“…Mallat (2007), Püschel, Mazzon, & Hernandez (2010), and Yang, Lu, Gupta, Cao, & Zhang (2012) show that the impact of age on the readiness to use is caused by the type of new technologies. On the other hand, Trachuk & Kornilov (2013), Mallat et al (2009), Schierz et al (2010, Shaw (2014) and Van der Heijden (2002) show that older people are less willing to use new technologies and start applying them later than others; -gender difference. With regard to the use of payment services, it is also impossible to draw unequivocal conclusions: Plouffe et al (2000), Schierz, Schilke, & Wirtz (2010), and Shin (2009) show that there are no significant differences in the behavior of men and women in the use of electronic payment services while Wu & Wang (2005) and Yang et al (2012) state that men are more likely in general to use information and communication technologies (such as internet banking, mobile banking, and online shopping).…”