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The moderating role of gender and age in the adoption of mobile wallet

机译：性别和年龄在通过移动钱包中的调节作用

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摘要

Purpose - The purpose of this paper is to examine the factors that influence the attitude and behavioral intention towards mobile wallet adoption and to examine the moderating effect of gender and age between antecedents of mobile wallet adoption and user attitude and intention. Design/methodology/approach - Based on the literature review, certain themes around mobile wallet adoption were generated around which inputs were sought through two focus group discussions, first of which comprised working executives and second comprised students. A sample of 744 users of mobile wallet provided their awareness on mobile wallets, various mobile wallet services used and perception on ease of use, usefulness, trust, security, facilitating conditions and lifestyle compatibility (LC). To examine the moderating effect of gender and age, two methods, namely, Henseler's partial least squares-multi group analysis (PLS-MGA), a non-parametric approach, and PLS-MGA, parametric approach, are used. The data was analyzed using partial least square-structural equation modeling. Findings - The ease of use, usefulness, trust, security, facilitating conditions and LC significantly influence user attitude and intention. The results show that both gender and age moderate the relationship between select antecedents and attitude and intention and the influence is seen more for males and young users. Research limitations/implications - The sample comprises students and professionals from metros and large cities; hence, the generalizability of the results to the population at large may be limited. This study only examines the moderating role of age and gender. Future studies may include other demographic variables such as education, income, occupation, experience and household size. Practical implications - The findings help mobile wallet service providers understand the relevance and influence of various antecedent variables on the attitude and intention to adopt technology. This will help to plan and prioritize attributes for marketing purposes to increase the adoption and usage rates. Moreover, managers should plan strategies to enhance confidence among females and old age customers. Originality/value - The proposed model both investigates the impact of antecedents on user attitude and intention and examines the moderating effect of select demographic variables. There are few empirical studies on the moderating effect of gender and age in the context of mobile wallets in India.
机译：目的 - 本文的目的是检查影响移动钱包采用的态度和行为意图的因素，并研究移动钱包采用和用户态度和意图的前进的性别和年龄的调节效果。设计/方法/方法 - 基于文献综述，在移动钱包领域的某些主题，遍布两个焦点小组讨论所寻求的投入，其中一组由工作高管和第二个组成的学生。 744个用户手机钱包的样本在移动钱包上提供了意识，使用的各种移动钱包服务和易于使用，有用，信任，安全性，促进条件和生活方式兼容性（LC）。为了检查性别和年龄的调节效果，使用两种方法，即Henseler的偏最小二乘 - 多组分析（PLS-MGA），非参数方法和PLS-MGA，参数方法。使用部分最小二乘结构方程建模分析数据。调查结果 - 易用性，有用性，信任，安全，促进条件和LC显着影响了用户的态度和意图。结果表明，性别和年龄的两者都适中选择前一种和态度和意图之间的关系，对男性和年轻人更多地看到影响。研究限制/含义 - 样本包括来自Metros和大城市的学生和专业人士;因此，对大量群体的结果的普遍性可能受到限制。本研究只检查年龄和性别的调节作用。未来的研究可能包括其他人口统计变量，如教育，收入，占领，经验和家庭规模。实际意义 - 该研究结果有助于移动钱包服务提供商了解各种前一种变量对采用技术的态度和意图的相关性和影响。这将有助于计划和优先考虑营销目的的属性，以增加采用和使用率。此外，管理人员应该规划策略，以提高女性和老年客户之间的信心。原创性/值 - 拟议的模型都调查了前一种对用户态度和意图的影响，并检查了选择人口统计变量的调节效果。印度移动钱包背景下性别和年龄的调节效果很少。

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  • 来源
    《Foresight》 |2020年第4期|483-504|共22页
  • 作者

    Deepak Chawla; Himanshu Joshi;

  • 作者单位

    Department of Quantitative Techniques and Operations Management International Management Institute New Delhi India;

    Department of Information Management International Management Institute New Delhi India;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    India;

    机译：印度;

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