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Elderly and Internet Banking: An Application of UTAUT2

Author

Listed:
  • ARENAS-GAITÁN, JORGE

    (Department of Business Management and Marketing, University of Seville. Avda. RamÓn y Cajal, 1, 41018 Seville, SPAIN)

  • PERAL-PERAL, BEGOÑA

    (Department of Business Management and Marketing, University of Seville. Avda. Ramón y Cajal, 1, 41018 Seville, SPAIN)

  • RAMÓN-JERÓNIMO, MARIA ANGELES

    (Department of Business Administration and Marketing, Pablo de Olavide University. Ctra. de Utrera, km. 1 41013, Seville, SPAIN)

Abstract

The present study aims to explain Internet banking use by the elderly, applying the UTAUT2 approach (extension of Unified Theory of Acceptance and Use of Technology in the consumer context). A sample of 415 individuals over 55 years old has been analyzed. WarpPLS 3.0 was used for the measurement models analysis and the structural model analysis. The results show that the elderly’s people’s to accept Internet banking was significantly impacted by habit, performance expectancy, price value and effort expectancy, in this order of influence of strength. The actual behavior was influenced by behavior intention and habit. However, social influence, facilitating conditions and hedonic motivation did not play a salient role in affecting the actual adoption behavior of Internet banking. Gender was proposed as a moderator variable but the results did not support this role.

Suggested Citation

  • Arenas-Gaitán, Jorge & Peral-Peral, Begoña & Ramón-Jerónimo, Maria Angeles, 2015. "Elderly and Internet Banking: An Application of UTAUT2," Journal of Internet Banking and Commerce, , vol. 20(01), pages 01-23, April.
    • Handle: RePEc:ris:joibac:0217
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    Cited by:

    1. Tomasz Siudek & Aldona Zawojska, 2024. "A Theoretical Model of Customer Acceptance and Use of Electronic Banking as a Distribution Channel for Banking Products and Services," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 866-889.

    More about this item

    Keywords

    elderly; Internet banking; UTAUT2;
    All these keywords.

    JEL classification:

    • A11 - General Economics and Teaching - - General Economics - - - Role of Economics; Role of Economists

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