TY - JOUR
T1 - An empirical examination of the moderating role of age and gender in consumer mobile banking use
T2 - a cross-national, quantitative study
AU - Merhi, Mohamad
AU - Hone, Kate
AU - Tarhini, Ali
AU - Ameen, Nisreen
N1 - Publisher Copyright:
© 2020, Emerald Publishing Limited.
PY - 2020
Y1 - 2020
N2 - Purpose: Despite the benefits of mobile banking services in an increasingly digitised world, adoption rates remain unsatisfactory. The present cross-national study examines age- and gender-dependent variations of consumer intentions and use of mobile banking services. Design/methodology/approach: The study analyses consumer mobile banking use by integrating factors such as with trust, security and privacy and it examines the effects of these factors among two demographic factors including age and gender. 897 Lebanese and British mobile banking users completed a survey. Data was analysed by partial least squares-structural equations modelling. Findings: Consumer behavioural intention was significantly moderated by age through its relationship with facilitating conditions and trust among Lebanese respondents, and performance expectancy, effort expectancy, hedonic motivation, price value and habit among their British counterparts. As for gender, a significant moderating effect was evidenced in the Lebanese, but not the British sample, on the level of performance expectancy, effort expectancy, facilitating conditions, price value and perceived security. Originality/value: The findings provide evidence of the applicability of the new factors proposed in this research. The reflection of the influence of these demographic factors in a cross-national context provides insights into mobile banking adoption variation between different countries.
AB - Purpose: Despite the benefits of mobile banking services in an increasingly digitised world, adoption rates remain unsatisfactory. The present cross-national study examines age- and gender-dependent variations of consumer intentions and use of mobile banking services. Design/methodology/approach: The study analyses consumer mobile banking use by integrating factors such as with trust, security and privacy and it examines the effects of these factors among two demographic factors including age and gender. 897 Lebanese and British mobile banking users completed a survey. Data was analysed by partial least squares-structural equations modelling. Findings: Consumer behavioural intention was significantly moderated by age through its relationship with facilitating conditions and trust among Lebanese respondents, and performance expectancy, effort expectancy, hedonic motivation, price value and habit among their British counterparts. As for gender, a significant moderating effect was evidenced in the Lebanese, but not the British sample, on the level of performance expectancy, effort expectancy, facilitating conditions, price value and perceived security. Originality/value: The findings provide evidence of the applicability of the new factors proposed in this research. The reflection of the influence of these demographic factors in a cross-national context provides insights into mobile banking adoption variation between different countries.
KW - Cross-national research
KW - Culture
KW - Mobile banking
KW - Security and privacy
KW - Trust
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U2 - 10.1108/JEIM-03-2020-0092
DO - 10.1108/JEIM-03-2020-0092
M3 - Article
AN - SCOPUS:85089654153
SN - 1741-0398
VL - 34
SP - 1144
EP - 1168
JO - Journal of Enterprise Information Management
JF - Journal of Enterprise Information Management
IS - 4
ER -