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Mobile banking usage and gamification: the moderating effect of generational cohorts

机译:移动银行使用和游戏:世代队列的调节效果

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Purpose - The extended unified theory of acceptance and use of technology (UTAUT2) model has been adapted and applied by scholars to gain insight into mobile banking (m-banking) usage. By combining three perspectives, UTAUT2, gamification (GM) and generational cohort theory, this study aims to investigate the factors which impact m-banking usage and examine the moderating effect of generations Y and Z on the relationship between GM and intention to use m-banking.Design/methodology/approach - The adopted model was tested in a quantitative study by using partial least square structural equation modelling. A total of 380 valid questionnaires from a transition country, Albania, have been examined.Findings - In the study, scientific evidence concerning the UTAUT2 model and GM elements are provided. Thus, facilitation conditions, habit and hedonic motivation were found to be significant determinants of GM. Moreover, the results revealed that age moderates the relationship between GM and behavioural intention (BI). Compared to generation Z, individuals born prior to 1996 (generation Y), exhibited a much stronger relationship. Research limitations/implications - Although Albania bears similarities with other transition countries in terms of regional, economic and political environments, the generalisation of these results to another context is rather limited.Practical implications - This paper offers a model integrating UTAUT2, GM and generational cohorts in the context of a transition country. The findings can be applied in the form of guidelines for a number of financial institutions.Originality/value - Besides identifying the determinants of m-banking adoption and GM, this study notably reveals the importance of generational cohorts because it governs the effect of GM on m-banking BI.
机译:目的 - 通过学者调整和应用技术的扩展统一和使用理论(UTAUT2)模型,以深入了解移动银行(M-Banking)使用情况。通过结合三个观点,utaut2,博彩(GM)和世代队列理论,该研究旨在调查影响M-Banking使用的因素,并检查世代Y和Z对GM之间关系的调节效果和使用M- Banking.design/methodology/appach - 通过使用偏最小二乘结构方程建模在定量研究中测试了所采用的模型。已经审查了从过渡国家的380个有效的问卷调查,已被审查。在研究中,提供了有关utaut2模型和转基因元素的科学证据。因此,发现促进条件,习惯和溶息动机是GM的重要决定因素。此外,结果表明,年龄调节通用汽车与行为意图(BI)之间的关系。与生成Z相比,1996年之前出生的个人(发电Y),表现出更强大的关系。研究限制/影响 - 尽管阿尔巴尼亚在区域,经济和政治环境方面与其他过渡国家相似,但这些结果的概括为另一个背景,是相当有限的。“正面”提供了集成utaut2,通用汽车和世代队列的模型在过渡国的背景下。这些结果可以以许多金融机构的指导方式适用.解/价值 - 除了确定M-Banking采用和通用汽车的决定因素,这项研究概括地揭示了世代队列的重要性,因为它控制了GM的影响M-Banking Bi。

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