Predicting M-banking adoption: the moderating role of age in technology acceptance
This research enhances the Technology Acceptance Model (TAM) by integrating age (younger and older) as a moderation variable to examine the effect of several antecedents, such as perceived usefulness (PU), perceived ease of use (PEOU), and attitude, on the adoption of mobile banking (m-banking) paym...
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| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
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Taylor & Francis Group
2025-12-01
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| Series: | Cogent Business & Management |
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| Online Access: | https://www.tandfonline.com/doi/10.1080/23311975.2025.2547964 |
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| author | Kusairi Kusairi Anisya Sukmawati Nanang A.S Moh Shadiqur Rahman |
| author_facet | Kusairi Kusairi Anisya Sukmawati Nanang A.S Moh Shadiqur Rahman |
| author_sort | Kusairi Kusairi |
| collection | DOAJ |
| description | This research enhances the Technology Acceptance Model (TAM) by integrating age (younger and older) as a moderation variable to examine the effect of several antecedents, such as perceived usefulness (PU), perceived ease of use (PEOU), and attitude, on the adoption of mobile banking (m-banking) payment technology. This study involves 238 users of m-banking for transactions. This research design employs structural equation modeling with partial least squares (PLS-SEM) alongside multi-group analysis (MGA) to assess the moderating effect of age on the hypothesized relationships. The findings indicate that PEOU, PU, and attitude significantly affect the intention to use m-banking. Attitude significantly mediated the effects of PU and PEOU on behavioral intentions to use (BIU). The results also indicated that age does not serve as a significant moderator between PU and attitude, but it significantly moderates the relationship between PEOU and BIU. The analysis reveals significantly stronger technology adoption and BIU influences among younger generations compared to older demographics. |
| format | Article |
| id | doaj-art-f8a9ebfbc5ef42e8bea17dc56fcdbbf7 |
| institution | Kabale University |
| issn | 2331-1975 |
| language | English |
| publishDate | 2025-12-01 |
| publisher | Taylor & Francis Group |
| record_format | Article |
| series | Cogent Business & Management |
| spelling | doaj-art-f8a9ebfbc5ef42e8bea17dc56fcdbbf72025-08-22T10:47:40ZengTaylor & Francis GroupCogent Business & Management2331-19752025-12-0112110.1080/23311975.2025.2547964Predicting M-banking adoption: the moderating role of age in technology acceptanceKusairi Kusairi0Anisya Sukmawati1Nanang A.S2Moh Shadiqur Rahman3Department of Business and Hospitality, Vocational Faculty, Brawijaya University, Malang, IndonesiaDepartment of Business and Hospitality, Vocational Faculty, Brawijaya University, Malang, IndonesiaDepartment of Business and Hospitality, Vocational Faculty, Brawijaya University, Malang, IndonesiaAgriculture Socio-Economic Department, Faculty of Agriculture, Brawijaya University, Malang, IndonesiaThis research enhances the Technology Acceptance Model (TAM) by integrating age (younger and older) as a moderation variable to examine the effect of several antecedents, such as perceived usefulness (PU), perceived ease of use (PEOU), and attitude, on the adoption of mobile banking (m-banking) payment technology. This study involves 238 users of m-banking for transactions. This research design employs structural equation modeling with partial least squares (PLS-SEM) alongside multi-group analysis (MGA) to assess the moderating effect of age on the hypothesized relationships. The findings indicate that PEOU, PU, and attitude significantly affect the intention to use m-banking. Attitude significantly mediated the effects of PU and PEOU on behavioral intentions to use (BIU). The results also indicated that age does not serve as a significant moderator between PU and attitude, but it significantly moderates the relationship between PEOU and BIU. The analysis reveals significantly stronger technology adoption and BIU influences among younger generations compared to older demographics.https://www.tandfonline.com/doi/10.1080/23311975.2025.2547964Behavioral intention to useperceived ease of useattitudeperceived usefulnessm-bankingtechnology acceptance |
| spellingShingle | Kusairi Kusairi Anisya Sukmawati Nanang A.S Moh Shadiqur Rahman Predicting M-banking adoption: the moderating role of age in technology acceptance Cogent Business & Management Behavioral intention to use perceived ease of use attitude perceived usefulness m-banking technology acceptance |
| title | Predicting M-banking adoption: the moderating role of age in technology acceptance |
| title_full | Predicting M-banking adoption: the moderating role of age in technology acceptance |
| title_fullStr | Predicting M-banking adoption: the moderating role of age in technology acceptance |
| title_full_unstemmed | Predicting M-banking adoption: the moderating role of age in technology acceptance |
| title_short | Predicting M-banking adoption: the moderating role of age in technology acceptance |
| title_sort | predicting m banking adoption the moderating role of age in technology acceptance |
| topic | Behavioral intention to use perceived ease of use attitude perceived usefulness m-banking technology acceptance |
| url | https://www.tandfonline.com/doi/10.1080/23311975.2025.2547964 |
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