<![CDATA[The millennial generation is an age group that is now a major pillar in economic and social growth in various countries, the purpose of this study is to determine the interest of the millennial generation in transacting using Islamic mobile banking by adding moderation variables of gender and literacy. This study uses quantitative techniques that use primary data collected through distributing questionnaires. The population used is the millennial generation throughout Indonesia who use Islamic mobile banking. Sampling in this study using purposive sampling technique. Then processed using the PLS-SEM model. The findings of this study indicate that the variables of business expectations, hedonic motivation and habits have a significant influence on the behavioral intention variable, but the variables of performance expectations, social influence, facilitating conditions, price value, habits do not have a significant influence on behavioral intention, but gender does not moderate the influence of habits, hedonic motivation, performance expectations on behavioral intention. Furthermore, literacy does not moderate the influence of habits, hedonic motivation, performance expectations on behavioral intentions. With the results of this study, it can evaluate services on sharia moblile blanking so that it can increase interest in transactions on sharia moblile blanking.]]>
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