The role of cognitive age in explaining mobile banking resistance among elderly people

By Walid Chaouali, Nizar Souiden. Journal of Retailing and Consumer Services, 2019

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Abstract This study investigates mobile banking resistance among elder individuals. More specifically, and on the basis of cognitive age as a moderator, a multigroup analysis was conducted to compare the relationships between psychological and functional barriers. Data was collected from 425 elder mobile banking non-users, and SmartPLS 3 was used to assess the structural model and run a multigroup analysis. The results indicate that tradition and image barriers affect usage, value, and risk barriers. In turn, all barriers influence resistance behavior. Furthermore, cognitive age was found to moderate these relationships. The study sheds light on the relationships between psychological and functional barriers and their effects on resistance behavior. In addition, it highlights the heterogeneity between cognitively young elders and cognitively old elders regarding their perceptions of mobile banking barriers.

Subfields: Information Systems and Management, Marketing, Sociology and Political Science

View Paper: https://www.semanticscholar.org/paper/f25574a21fe771c53fc471108ee6e6c3a00abb58