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This study investigates AI technology's motivational factors that influence millennials and members of Generation Z in online transactions. These motivational factors shed light on which aspects of AI technology's ergonomics are acceptable to these consumer groups. This study adopted a quantitative research method in gathering and analyzing its data. A total of 116 respondents from Abuja Municipal Area Council (AMAC), Nigeria, took part in this study. 51 of the respondents were millennials, while 61 were members of Generation Z. Primary data was collected through a self-administered survey-questionnaire adopted from Gursoy et al’s AIDUA and Yang, Lou, and Lan’s modified AIDUA, which included anthropomorphic, hedonic, utilitarian, and interaction convenience motivational factors of AI technology acceptance. Additionally, this study utilized Statistical Package for Social Science (SPSS) version 26 in conducting the Mann-Whitney U-test for statistical analysis, while Gray and Kinnear's non-parametric effect size interpreted the practical significance of the results. The Mann-Whitney U-test result indicated that anthropomorphic and hedonic motivational factors of AI technology do not significantly influence millennials more than members of Generation Z in online transactions. Conversely, utilitarian and interaction convenience motivational factors of AI technology had significant influence on millennials compared to members of Generation Z in online transactions. Practically, the anthropomorphic and hedonic motivational factors of AI technology had medium effect sizes.