IDEAS home Printed from https://ideas.repec.org/a/eee/joreco/v50y2019icp342-350.html
   My bibliography  Save this article

The role of cognitive age in explaining mobile banking resistance among elderly people

Author

Listed:
  • Chaouali, Walid
  • Souiden, Nizar

Abstract

This study investigates mobile banking resistance among elder individuals. More specifically, and on the basis of cognitive age as a moderator, a multigroup analysis was conducted to compare the relationships between psychological and functional barriers. Data was collected from 425 elder mobile banking non-users, and SmartPLS 3 was used to assess the structural model and run a multigroup analysis. The results indicate that tradition and image barriers affect usage, value, and risk barriers. In turn, all barriers influence resistance behavior. Furthermore, cognitive age was found to moderate these relationships. The study sheds light on the relationships between psychological and functional barriers and their effects on resistance behavior. In addition, it highlights the heterogeneity between cognitively young elders and cognitively old elders regarding their perceptions of mobile banking barriers.

Suggested Citation

  • Chaouali, Walid & Souiden, Nizar, 2019. "The role of cognitive age in explaining mobile banking resistance among elderly people," Journal of Retailing and Consumer Services, Elsevier, vol. 50(C), pages 342-350.
    • Handle: RePEc:eee:joreco:v:50:y:2019:i:c:p:342-350
    DOI: 10.1016/j.jretconser.2018.07.009
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0969698918305551
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.jretconser.2018.07.009?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Wilkes, Robert E, 1992. "A Structural Modeling Approach to the Measurement and Meaning of Cognitive Age," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 19(2), pages 292-301, September.
    2. Hsu, Chia-Lin & Chang, Chi-Ya & Yansritakul, Chutinart, 2017. "Exploring purchase intention of green skincare products using the theory of planned behavior: Testing the moderating effects of country of origin and price sensitivity," Journal of Retailing and Consumer Services, Elsevier, vol. 34(C), pages 145-152.
    3. repec:dau:papers:123456789/7633 is not listed on IDEAS
    4. Wiedmann, Klaus-Peter & Hennigs, Nadine & Pankalla, Lars & Kassubek, Martin & Seegebarth, Barbara, 2011. "Adoption barriers and resistance to sustainable solutions in the automotive sector," Journal of Business Research, Elsevier, vol. 64(11), pages 1201-1206.
    5. Kleijnen, Mirella & Lee, Nick & Wetzels, Martin, 2009. "An exploration of consumer resistance to innovation and its antecedents," Journal of Economic Psychology, Elsevier, vol. 30(3), pages 344-357, June.
    6. Wei, Yujie & Donthu, Naveen & Bernhardt, Kenneth L., 2013. "Effects of cognitive age, dispositional time perceptions, and time view manipulations on product attribute evaluations," Journal of Business Research, Elsevier, vol. 66(11), pages 2171-2177.
    7. Katrin Arning & Martina Ziefle, 2010. "Ask and You Will Receive: Training Novice Adults to use a PDA in an Active Learning Environment," International Journal of Mobile Human Computer Interaction (IJMHCI), IGI Global, vol. 2(1), pages 21-47, January.
    8. Denis Guiot & Benny Barak, 2011. "An Empirical Assessment of Cross-Cultural Age Self-Construal Measurement: Evidence from Three Countries," Post-Print halshs-00643840, HAL.
    9. Schubring, Sandra & Lorscheid, Iris & Meyer, Matthias & Ringle, Christian M., 2016. "The PLS agent: Predictive modeling with PLS-SEM and agent-based simulation," Journal of Business Research, Elsevier, vol. 69(10), pages 4604-4612.
    10. Schiffman, Leon G. & Sherman, Elaine, 1991. "Value orientations of new-age elderly: The coming of an ageless market," Journal of Business Research, Elsevier, vol. 22(2), pages 187-194, March.
    11. Londono, Juan Carlos & Davies, Keri & Elms, Jonathan, 2017. "Extending the Theory of Planned Behavior to examine the role of anticipated negative emotions on channel intention: The case of an embarrassing product," Journal of Retailing and Consumer Services, Elsevier, vol. 36(C), pages 8-20.
    12. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    13. Heidenreich, Sven & Kraemer, Tobias & Handrich, Matthias, 2016. "Satisfied and unwilling: Exploring cognitive and situational resistance to innovations," Journal of Business Research, Elsevier, vol. 69(7), pages 2440-2447.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Arif, Imtiaz & Aslam, Wajeeha & Hwang, Yujong, 2020. "Barriers in adoption of internet banking: A structural equation modeling - Neural network approach," Technology in Society, Elsevier, vol. 61(C).
    2. Shaikh, Aijaz A. & Alharthi, Majed D. & Alamoudi, Hawazen O., 2020. "Examining key drivers of consumer experience with (non-financial) digital services—An exploratory study," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    3. Ye Sang & Heeseung Yu & Eunkyoung Han, 2022. "Understanding the Barriers to Consumer Purchasing of Zero-Waste Products," Sustainability, MDPI, vol. 14(24), pages 1-20, December.
    4. Huang, Dan & Jin, Xin & Coghlan, Alexandra, 2021. "Advances in consumer innovation resistance research: A review and research agenda," Technological Forecasting and Social Change, Elsevier, vol. 166(C).
    5. Mahmud, Hasan & Islam, A.K.M. Najmul & Mitra, Ranjan Kumar, 2023. "What drives managers towards algorithm aversion and how to overcome it? Mitigating the impact of innovation resistance through technology readiness," Technological Forecasting and Social Change, Elsevier, vol. 193(C).
    6. Tianyang Huang & Gang Wang & Chiwu Huang, 2024. "What promotes the mobile payment behavior of the elderly?," Palgrave Communications, Palgrave Macmillan, vol. 11(1), pages 1-14, December.
    7. Villanueva Orbaiz, María Luisa & Arce-Urriza, Marta, 2024. "The role of active and passive resistance in new technology adoption by final consumers: The case of 3D printing," Technology in Society, Elsevier, vol. 77(C).
    8. Mirosława Kaczmarek, 2023. "Przynależność do kohorty pokoleniowej jako determinanta korzystania z BLIK-a," Bank i Kredyt, Narodowy Bank Polski, vol. 54(2), pages 221-238.
    9. Tihomir Orehovački & Luka Blašković & Matej Kurevija, 2022. "Evaluating the Perceived Quality of Mobile Banking Applications in Croatia: An Empirical Study," Future Internet, MDPI, vol. 15(1), pages 1-24, December.
    10. Paolo Franco, 2023. "Older consumers and technology: A critical systematic literature review," AMS Review, Springer;Academy of Marketing Science, vol. 13(1), pages 92-121, June.
    11. Sadiq, Mohd & Adil, Mohd & Paul, Justin, 2021. "An innovation resistance theory perspective on purchase of eco-friendly cosmetics," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
    12. Faten Baklouti & Fayçal Boukamcha, 2024. "Consumer resistance to internet banking services: implications for the innovation resistance theory," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 364-376, June.
    13. Kala Kamdjoug, Jean Robert & Wamba-Taguimdje, Serge-Lopez & Wamba, Samuel Fosso & Kake, Ingrid Bive'e, 2021. "Determining factors and impacts of the intention to adopt mobile banking app in Cameroon: Case of SARA by afriland First Bank," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).
    14. Hew, Jun-Jie & Lee, Voon-Hsien & Leong, Lai-Ying, 2023. "Why do mobile consumers resist mobile commerce applications? A hybrid fsQCA-ANN analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).
    15. Bin Wang & Jionghua Li & Ao Sun & Yongming Wang & Dianting Wu, 2019. "Residents’ Green Purchasing Intentions in a Developing-Country Context: Integrating PLS-SEM and MGA Methods," Sustainability, MDPI, vol. 12(1), pages 1-21, December.
    16. Zhou, Qingji & Lim, Fong Jie & Yu, Han & Xu, Gaoqian & Ren, Xiaoyu & Liu, Dan & Wang, Xiangxin & Mai, Xinda & Xu, Hong, 2021. "A study on factors affecting service quality and loyalty intention in mobile banking," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    17. Maroufkhani, Parisa & Asadi, Shahla & Ghobakhloo, Morteza & Jannesari, Milad T. & Ismail, Wan Khairuzaman Wan, 2022. "How do interactive voice assistants build brands' loyalty?," Technological Forecasting and Social Change, Elsevier, vol. 183(C).
    18. Lambert Kofi Osei & Yuliya Cherkasova & Kofi Mintah Oware, 2023. "Unlocking the full potential of digital transformation in banking: a bibliometric review and emerging trend," Future Business Journal, Springer, vol. 9(1), pages 1-18, December.
    19. Shankar, Amit & Jebarajakirthy, Charles & Ashaduzzaman, Md, 2020. "How do electronic word of mouth practices contribute to mobile banking adoption?," Journal of Retailing and Consumer Services, Elsevier, vol. 52(C).
    20. Wang, Weihua & Zhang, Yuting & Zhao, Junjie, 2023. "Technological or social? Influencing factors and mechanisms of the psychological digital divide in rural Chinese elderly," Technology in Society, Elsevier, vol. 74(C).
    21. Ameen, Nisreen & Shah, Mahmood Hussain & Sims, Julian & Choudrie, Jyoti & Willis, Robert, 2020. "Are there peas in a pod when considering mobile phone and mobile applications use: A quantitative study," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    22. Liu, Qiyang & Liu, Yang & Zhang, Chi & An, Zihao & Zhao, Pengjun, 2021. "Elderly mobility during the COVID-19 pandemic: A qualitative exploration in Kunming, China," Journal of Transport Geography, Elsevier, vol. 96(C).
    23. Shahid, Shadma & Islam, Jamid Ul & Malik, Shehla & Hasan, Uzma, 2022. "Examining consumer experience in using m-banking apps: A study of its antecedents and outcomes," Journal of Retailing and Consumer Services, Elsevier, vol. 65(C).
    24. Lecuyer, Charlotte & Capelli, Sonia & Sabadie, William, 2021. "Consumers’ implicit attitudes toward corporate social responsibility and corporate abilities: Examining the influence of bank governance using the implicit association test," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Boeuf, Benjamin, 2019. "The impact of mortality anxiety on attitude toward product innovation," Journal of Business Research, Elsevier, vol. 104(C), pages 44-60.
    2. Huang, Dan & Jin, Xin & Coghlan, Alexandra, 2021. "Advances in consumer innovation resistance research: A review and research agenda," Technological Forecasting and Social Change, Elsevier, vol. 166(C).
    3. Sun, Yang, 2021. "Case based models of the relationship between consumer resistance to innovation and customer churn," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).
    4. Zied Mani & Inès Chouk, 2018. "Les objets connectés dans la banque : quelles implications sur les comportements des consommateurs ?," Working Papers halshs-01678793, HAL.
    5. Yi, Jisu & Lee, Youseok & Suh, Jungmin & Kim, Sang-Hoon, 2022. "Psychological determinants of non-attendees’ resistance toward performing arts," Journal of Business Research, Elsevier, vol. 149(C), pages 690-699.
    6. Faten Baklouti & Fayçal Boukamcha, 2024. "Consumer resistance to internet banking services: implications for the innovation resistance theory," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 364-376, June.
    7. Malodia, Suresh & Kaur, Puneet & Ractham, Peter & Sakashita, Mototaka & Dhir, Amandeep, 2022. "Why do people avoid and postpone the use of voice assistants for transactional purposes? A perspective from decision avoidance theory," Journal of Business Research, Elsevier, vol. 146(C), pages 605-618.
    8. Ye Sang & Heeseung Yu & Eunkyoung Han, 2022. "Understanding the Barriers to Consumer Purchasing of Zero-Waste Products," Sustainability, MDPI, vol. 14(24), pages 1-20, December.
    9. Rieple, Alison & Snijders, Sylvia, 2018. "The role of emotions in the choice to adopt, or resist, innovations by Irish dairy farmers," Journal of Business Research, Elsevier, vol. 85(C), pages 23-31.
    10. Zied Mani & Inès Chouk, 2018. "Consumer Resistance to Innovation in Services," Post-Print hal-03700875, HAL.
    11. Hew, Jun-Jie & Lee, Voon-Hsien & Leong, Lai-Ying, 2023. "Why do mobile consumers resist mobile commerce applications? A hybrid fsQCA-ANN analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).
    12. Hajiheydari, Nastaran & Delgosha, Mohammad Soltani & Olya, Hossein, 2021. "Scepticism and resistance to IoMT in healthcare: Application of behavioural reasoning theory with configurational perspective," Technological Forecasting and Social Change, Elsevier, vol. 169(C).
    13. Nel, Jacques & Boshoff, Christo, 2021. "“I just don't like digital-only banks, and you should not use them either†: Traditional-bank customers' opposition to using digital-only banks," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
    14. Petschnig, Martin & Heidenreich, Sven & Spieth, Patrick, 2014. "Innovative alternatives take action – Investigating determinants of alternative fuel vehicle adoption," Transportation Research Part A: Policy and Practice, Elsevier, vol. 61(C), pages 68-83.
    15. Arghya Ray & Muskan Jain & Lan Ma & Khalid Hussain Alhamzi & Ananya Ray & Long She, 2024. "The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 1154-1174, September.
    16. Komulainen, Ruey & Nätti, Satu, 2023. "Barriers to blockchain adoption: Empirical observations from securities services value network," Journal of Business Research, Elsevier, vol. 159(C).
    17. Heidenreich, Sven & Killmer, Jan F. & Millemann, Jan A., 2022. "If at first you don't adopt - Investigating determinants of new product leapfrogging behavior," Technological Forecasting and Social Change, Elsevier, vol. 176(C).
    18. Querci, Ilaria & Monsurrò, Luigi & Peverini, Paolo, 2024. "When anthropomorphism backfires: Anticipation of negative social roles as a source of resistance to smart object adoption," Technovation, Elsevier, vol. 132(C).
    19. Denis Guiot, 2001. "Tendance d'âge subjectif : quelle validité prédictive ?," Post-Print halshs-00167929, HAL.
    20. Adnane MAALAOUI & Imen SAFRAOU & Judith PARTOUCHE & Celine Viala, 2019. "How Subjective Age Affects Entrepreneurship: The Effects of Rejuvenating Trend on Entrepreneurial Intention among Seniors," Working Papers 2019-002, Department of Research, Ipag Business School.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:joreco:v:50:y:2019:i:c:p:342-350. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: https://www.journals.elsevier.com/journal-of-retailing-and-consumer-services .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.