Demographic Influences on Technology Adoption Behavior:A Study of E-Banking Services in India

Chauhan, Vikas; Choudhary, Vipin; Mathur, Sonam

doi:10.17010/pijom/2016/v9i5/92571

Cited by 7 publications

(8 citation statements)

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“…This study also shows that both age and gender significantly impact the adoption and use of green banking channels (Chauhan et al. , 2016; Tara et al.…”

Section: Discussionmentioning

confidence: 56%

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Personality matters: does an individual's personality affect adoption and continued use of green banking channels?

Malik

Singh

2022

IJBM

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PurposeTechnology has revolutionized banking, and “green banking” has been the most recent phenomenon to have caught the financial world's attention. In this paper, the authors look at how personality traits of individuals influence their adoption and continued use of green banking channels. The authors also propose a comprehensive model integrating the “big five” personality traits (conscientiousness, agreeableness, extraversion, openness and neuroticism) into the Technology Acceptance Model (TAM), along with expectation confirmation theory. The integrated proposed model is used in this longitudinal study to predict the continued use of green banking channels once adopted.Design/methodology/approachThe authors collected data during two time periods about 24 weeks apart from 826 green banking channel users from different regions in India. The data were analyzed using Structural Equation Modeling.FindingsThe authors found that traits of agreeableness, conscientiousness and extraversion favor an individual adopting green banking channels, while conscientiousness and openness were only associated with its perceived usefulness (PU).Research limitations/implicationsThe results offer valuable insights for understanding the adoption and use behavior of people regarding green banking channels. This study would help develop effective segmentation strategies for promoting green banking channels.Originality/valueBy incorporating the big five, along with TAM and Expectation Confirmation Model (ECM), coupled with “trust” as an additional construct, we believe that our study enlarges the boundaries of Information Technology (IT) theories, especially in the context of green banking channels. This study also contributes to advancing the personality theory by exploring how personality traits significantly relate to adopting and using green banking channels.

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“…This study also shows that both age and gender significantly impact the adoption and use of green banking channels (Chauhan et al. , 2016; Tara et al.…”

Section: Discussionmentioning

confidence: 56%

“…This study also shows that both age and gender significantly impact the adoption and use of green banking channels (Chauhan et al, 2016;Tara et al, 2019). The findings of the conceptual model may be utilized by banks in promoting green banking channels among their potential customers.…”

Section: Managerial Implicationsmentioning

confidence: 59%

Personality matters: does an individual's personality affect adoption and continued use of green banking channels?

Malik

Singh

2022

IJBM

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“…Demographics refers to characteristics of consumers comprising gender, age, education, income, marital status, literacy, among others (Bhatt & Bhatt, 2016). Chauhan et al (2016) stressed the importance of demographics in marketing research. Demography influences customers' decision making (Kamboj & Singh, 2018;Olasina, 2015).…”

Section: Demographic Factorsmentioning

confidence: 99%

Understanding mediators and moderators of the effect of customer satisfaction on loyalty

Chikazhe

Makanyeza

Chigunhah

2021

Cogent Business & Management

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Customer satisfaction, loyalty and corporate image play a critical role in improving loyalty within the banking sector. The current study examines the mediators and moderators of the effect of customer satisfaction on loyalty. Data were collected from bank customers (n = 308) using a structured questionnaire through a cross-sectional survey in Chinhoyi, Zimbabwe. Data were analysed using structural equation modelling and moderated regression analyses. Customer satisfaction has a direct positive effect on customer loyalty. Service quality and corporate image were each found to partially mediate the effect of customer satisfaction on customer loyalty. Gender, age, education and income were found not to moderate the effect of customer satisfaction on loyalty. Thus, this study extends the extant services marketing literature by examining the mediators and moderators of the customer satisfaction-customer loyalty relationship within the banking sector. As a result, banks are encouraged to consider customer satisfaction, service quality and image altogether when trying to influence customer loyalty.

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“…They noted that there should be simplified and easy steps to use mobile money services so that people can adopt mobile money services. Lubua (2014), Buabeng-Andoh (2012) and Chauhan et al (2016) are in agreement that ease of use is about simplicity in using the technology (mobile money services). They contend that simplicity in the use of mobile money services make people to be willing to adopt and use mobile money services.…”

Section: Literature Reviewmentioning

confidence: 95%

“…Wamuyu (2014) note that people will use mobile money services if they perceive that it is easy to use mobile money services. Chauhan, Choudhary and Mathur (2016) and Wamuyu (2014) argue that the technology (mobile money service) should be understood by the users and also use the language that the users are comfortable with. They noted that there should be simplified and easy steps to use mobile money services so that people can adopt mobile money services.…”

Section: Literature Reviewmentioning

confidence: 99%

Factors affecting adoption and usage of mobile money services by artisan gold miners: Case of Umzingwane District in Zimbabwe

Moyo¹,

Zimusi²,

Ncube³

et al. 2022

IJRP

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The aim of the study was to evaluate the factors which affect adoption and usage of mobile money services by artisan gold miners in Zimbabwe with reference to Umzingwane district. The study adopted a sequential explanatory research design with an objective of using a mixed research approach. Data was gathered using questionnaires from two hundred and seventy (270) artisan gold miners. The questionnaires consisted of both open ended and closed ended questions. The study revealed that artisan gold miners in Umzingwane district are literate. The study also found that artisan gold miners use and prefer cash to mobile money services. The study highlighted that the main challenge faced by artisan gold miners is that most shops in rural areas are not willing to accept mobile money payments and those which accept mobile money payments charge premium on top of the prices of goods. The study revealed that at 5% significance level, factors such as ease of use and perceived trust of mobile money services, unavailability of cash and handset costs were not statistically significant. Perceived cost of transacting, poor network, registration costs and social influence negatively affected adoption and usage of mobile money services by artisan gold miners. Security and education level of artisan gold miners positively affected adoption and usage of mobile money services. The study recommends that the government should reduce tax on mobile money payments and punish the businesses that are charging premiums on mobile money payments. Mobile money service providers should form partnership with rural shops so as to bring personal mobile money services close to the rural communities.

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Demographic Influences on Technology Adoption Behavior:A Study of E-Banking Services in India

Cited by 7 publications

References 0 publications

Personality matters: does an individual's personality affect adoption and continued use of green banking channels?

Personality matters: does an individual's personality affect adoption and continued use of green banking channels?

Understanding mediators and moderators of the effect of customer satisfaction on loyalty

Factors affecting adoption and usage of mobile money services by artisan gold miners: Case of Umzingwane District in Zimbabwe

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