Elderly and Internet Banking: An Application of UTAUT2

Jorge Arenas-Gaitán (), Begoña Peral-Peral () and Maria Angeles Ramón-Jerónimo ()
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Jorge Arenas-Gaitán: Department of Business Management and Marketing, University of Seville. Avda. RamÓn y Cajal, 1, 41018 Seville, SPAIN
Begoña Peral-Peral: Department of Business Management and Marketing, University of Seville. Avda. Ramón y Cajal, 1, 41018 Seville, SPAIN
Maria Angeles Ramón-Jerónimo: Department of Business Administration and Marketing, Pablo de Olavide University. Ctra. de Utrera, km. 1 41013, Seville, SPAIN

Journal of Internet Banking and Commerce, 2015, vol. 20, issue 01, 01-23

Abstract: The present study aims to explain Internet banking use by the elderly, applying the UTAUT2 approach (extension of Unified Theory of Acceptance and Use of Technology in the consumer context). A sample of 415 individuals over 55 years old has been analyzed. WarpPLS 3.0 was used for the measurement models analysis and the structural model analysis. The results show that the elderly’s people’s to accept Internet banking was significantly impacted by habit, performance expectancy, price value and effort expectancy, in this order of influence of strength. The actual behavior was influenced by behavior intention and habit. However, social influence, facilitating conditions and hedonic motivation did not play a salient role in affecting the actual adoption behavior of Internet banking. Gender was proposed as a moderator variable but the results did not support this role.

Keywords: elderly; Internet banking; UTAUT2 (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2015
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