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Customer’s Intention to Adopt Mobile Banking Services: The Moderating Influence of Demographic Factors

Author

Listed:
  • Ayman N. Alkhaldi

    (Management Information Systems Department, Community College, University of Hai’l, Postal Code)

  • Qasem M. Kharma

    (#x2020;Faculty of Information Technology, Computer Science, Amman Al-Ahliyya University, 19328, Amman-Jordan)

Abstract

The variance in users’ characteristics, according to demographic factors, is crucial in segmenting retail banking customers and making marketing decisions. Therefore, the effects of these factors should be examined to help IT providers enhance m-banking services. This study seeks to build a conceptual model that determines the moderating influence of demographic factors on the customer’s intention to adopt m-banking. A questionnaire was distributed in Saudi Arabia and the responses were analyzed through a structural equation modeling (SEM) approach. The study finds that users’ demographic characteristics, such as age, education, and income, but not gender, played a moderating role in their adoption of m-banking services.

Suggested Citation

  • Ayman N. Alkhaldi & Qasem M. Kharma, 2019. "Customer’s Intention to Adopt Mobile Banking Services: The Moderating Influence of Demographic Factors," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 16(05), pages 1-26, August.
    • Handle: RePEc:wsi:ijitmx:v:16:y:2019:i:05:n:s0219877019500378
    DOI: 10.1142/S0219877019500378
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    References listed on IDEAS

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    Cited by:

    1. K. M. Salah Uddin & Tahmina Begum, 2023. "Financial Inclusion: Factors Influencing on Customer Adoption of Mobile Banking Services in Bangladesh," International Journal of Business and Management, Canadian Center of Science and Education, vol. 18(3), pages 1-1, June.

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