IDEAS home Printed from https://ideas.repec.org/a/sae/globus/v19y2018i3_supplps90-s113.html
   My bibliography  Save this article

The Moderating Effect of Demographic Variables on Mobile Banking Adoption: An Empirical Investigation

Author

Listed:
  • Deepak Chawla
  • Himanshu Joshi

Abstract

The objective of this article is to analyze if demographic characteristics influence user attitude towards mobile banking. The sample comprise of current users of online banking. Although earlier studies on technology adoption models have received considerable empirical validation, most of the studies did not consider moderating variables. Among those, which consider moderating variables, primarily explored are gender, age and income. By including other moderator variables in the model, we hope to lessen the inconsistencies found in past research studies. To test the moderating effect, two methods, viz. multiple linear regression and Fisher Z transformation are used. Results show that gender, age, qualification, experience, occupation, income and marital status were significant moderating variables. However, educational background did not show any moderating effect. Our results suggest that by extending the Technology Acceptance Model (TAM) and Diffusion of Innovations (DoI) theory, the research provide insights into the factors influencing consumers’ attitude to adopt mobile banking applications. Besides, the results of moderating effect improve our understanding of the demographic differences, which influence the degree of mobile banking adoption. This study will help researchers and practitioners to come up with improved mobile adoption frameworks and applications with greater understanding of the influence of demographic factors.

Suggested Citation

  • Deepak Chawla & Himanshu Joshi, 2018. "The Moderating Effect of Demographic Variables on Mobile Banking Adoption: An Empirical Investigation," Global Business Review, International Management Institute, vol. 19(3_suppl), pages 90-113, June.
    • Handle: RePEc:sae:globus:v:19:y:2018:i:3_suppl:p:s90-s113
    DOI: 10.1177/0972150918757883
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1177/0972150918757883
    Download Restriction: no
    File URL: https://libkey.io/10.1177/0972150918757883?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
    ---><---

    References listed on IDEAS

    as
    1. Porter, Constance Elise & Donthu, Naveen, 2006. "Using the technology acceptance model to explain how attitudes determine Internet usage: The role of perceived access barriers and demographics," Journal of Business Research, Elsevier, vol. 59(9), pages 999-1007, September.
    2. Chong, Alain Yee-Loong, 2013. "Mobile commerce usage activities: The roles of demographic and motivation variables," Technological Forecasting and Social Change, Elsevier, vol. 80(7), pages 1350-1359.
    3. Qingfeng Wang & Xu Sun & Sue Cobb & Glyn Lawson & Sarah Sharples, 2016. "3D printing system: an innovation for small-scale manufacturing in home settings? – early adopters of 3D printing systems in China," International Journal of Production Research, Taylor & Francis Journals, vol. 54(20), pages 6017-6032, October.
    4. Agarwal, Reeti & Rastogi, Sanjay & Mehrotra, Ankit, 2009. "Customers’ perspectives regarding e-banking in an emerging economy," Journal of Retailing and Consumer Services, Elsevier, vol. 16(5), pages 340-351.
    5. Weijters, B. & Schillewaert, N. & Rangarajan,D. & Falk, T., 2005. "Customers'usage of self service technology in retail setting," Vlerick Leuven Gent Management School Working Paper Series 2005-19, Vlerick Leuven Gent Management School.
    6. V.V. Ravi Kumar & Anurag Lall & Tanmay Mane, 2017. "Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India," Global Business Review, International Management Institute, vol. 18(1), pages 238-249, February.
    7. Wang, Qingfeng & Sun, Xu, 2016. "Investigating gameplay intention of the elderly using an Extended Technology Acceptance Model (ETAM)," Technological Forecasting and Social Change, Elsevier, vol. 107(C), pages 59-68.
    8. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    9. Z Liao & W K Wong, 2008. "The determinants of customer interactions with internet-enabled e-banking services," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 59(9), pages 1201-1210, September.
    Full references (including those not matched with items on IDEAS)

    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. Francisco Liébana-Cabanillas & Francisco Muñoz-Leiva & J. Sánchez-Fernández, 2018. "A global approach to the analysis of user behavior in mobile payment systems in the new electronic environment," Service Business, Springer;Pan-Pacific Business Association, vol. 12(1), pages 25-64, March.
    2. Rese, Alexandra & Baier, Daniel & Geyer-Schulz, Andreas & Schreiber, Stefanie, 2017. "How augmented reality apps are accepted by consumers: A comparative analysis using scales and opinions," Technological Forecasting and Social Change, Elsevier, vol. 124(C), pages 306-319.
    3. Park, Jungkun & Hong, EunPyo & Le, Hoang TPM, 2021. "Adopting autonomous vehicles: The moderating effects of demographic variables," Journal of Retailing and Consumer Services, Elsevier, vol. 63(C).
    4. Sohn, Stefanie, 2017. "A contextual perspective on consumers' perceived usefulness: The case of mobile online shopping," Journal of Retailing and Consumer Services, Elsevier, vol. 38(C), pages 22-33.
    5. Ukobitz, Desirée Valeria & Faullant, Rita, 2022. "The relative impact of isomorphic pressures on the adoption of radical technology: Evidence from 3D printing," Technovation, Elsevier, vol. 113(C).
    6. Shahbaz, Muhammad & Gao, Changyuan & Zhai, LiLi & Shahzad, Fakhar & Khan, Imran, 2021. "Environmental air pollution management system: Predicting user adoption behavior of big data analytics," Technology in Society, Elsevier, vol. 64(C).
    7. Natarajan, Thamaraiselvan & Balasubramanian, Senthil Arasu & Kasilingam, Dharun Lingam, 2017. "Understanding the intention to use mobile shopping applications and its influence on price sensitivity," Journal of Retailing and Consumer Services, Elsevier, vol. 37(C), pages 8-22.
    8. Reinhardt, Ronny & Gurtner, Sebastian, 2018. "The overlooked role of embeddedness in disruptive innovation theory," Technological Forecasting and Social Change, Elsevier, vol. 132(C), pages 268-283.
    9. Yadgar Taha M. Hamakhan, 2020. "The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-29, December.
    10. Fosso Wamba, Samuel & Bhattacharya, Mithu & Trinchera, Laura & Ngai, Eric W.T., 2017. "Role of intrinsic and extrinsic factors in user social media acceptance within workspace: Assessing unobserved heterogeneity," International Journal of Information Management, Elsevier, vol. 37(2), pages 1-13.
    11. San-Martín, Sonia & Prodanova, Jana & Jiménez, Nadia, 2015. "The impact of age in the generation of satisfaction and WOM in mobile shopping," Journal of Retailing and Consumer Services, Elsevier, vol. 23(C), pages 1-8.
    12. Abdul Waheed Siyal & Ding Donghong & Waheed Ali Umrani & Saeed Siyal & Shaharbano Bhand, 2019. "Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers," SAGE Open, , vol. 9(2), pages 21582440198, April.
    13. Kerstin Pezoldt & Jana Schliewe, 2012. "Akzeptanz von Self-Service-Technologien: State of the Art," Schmalenbach Journal of Business Research, Springer, vol. 64(2), pages 205-253, March.
    14. Herz, Marc & Rauschnabel, Philipp A., 2019. "Understanding the diffusion of virtual reality glasses: The role of media, fashion and technology," Technological Forecasting and Social Change, Elsevier, vol. 138(C), pages 228-242.
    15. Weck, Marina & Afanassieva, Marianne, 2023. "Toward the adoption of digital assistive technology: Factors affecting older people's initial trust formation," Telecommunications Policy, Elsevier, vol. 47(2).
    16. V. Uma Maheswari & Uma Chandrasekaran, 2018. "Buying Insurance Online: Are we there yet?," Indian Journal of Commerce and Management Studies, Educational Research Multimedia & Publications,India, vol. 9(2), pages 30-41, May.
    17. Ratchford, Mark & Ratchford, Brian T., 2021. "A cross-category analysis of dispositional drivers of technology adoption," Journal of Business Research, Elsevier, vol. 127(C), pages 300-311.
    18. Chaouali, Walid & Ben Yahia, Imene & Souiden, Nizar, 2016. "The interplay of counter-conformity motivation, social influence, and trust in customers' intention to adopt Internet banking services: The case of an emerging country," Journal of Retailing and Consumer Services, Elsevier, vol. 28(C), pages 209-218.
    19. Scott, Stephanie & Hughes, Paul & Hodgkinson, Ian & Kraus, Sascha, 2019. "Technology adoption factors in the digitization of popular culture: Analyzing the online gambling market," Technological Forecasting and Social Change, Elsevier, vol. 148(C).
    20. Yang, Byunghwa & Kim, Youngchan & Yoo, Changjo, 2013. "The integrated mobile advertising model: The effects of technology- and emotion-based evaluations," Journal of Business Research, Elsevier, vol. 66(9), pages 1345-1352.

    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:sae:globus:v:19:y:2018:i:3_suppl:p:s90-s113. 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: SAGE Publications (email available below). General contact details of provider: http://www.imi.edu/ .

    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.