The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps

Arghya Ray (), Muskan Jain (), Lan Ma (), Khalid Hussain Alhamzi (), Ananya Ray () and Long She ()
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Arghya Ray: International Management Institute Kolkata
Muskan Jain: FORE School of Management
Lan Ma: Sunway Business School, Sunway University
Khalid Hussain Alhamzi: Department of Public Relationships and Marketing Communication, College of Media and Communication, Imam Mohammad Ibn Saud Islamic University (IMSIU)
Ananya Ray: Indian Institute of Management Ranchi
Long She: Sunway Business School, Sunway University

Journal of Financial Services Marketing, 2024, vol. 29, issue 3, No 28, 1154-1174

Abstract: Abstract Gen X customers find it difficult to adjust to the changing technology trends and hence face issues while using mobile credit bill payment apps. Although Gen X customers form an important segment of the banking sector, few studies have explored the barriers that Gen X customers face. It will be interesting to examine the impact of innovation-related barriers and personality traits that affect Gen X customers’ continuance intention, and whether perceived gamification has a moderating effect. The questionnaire-based survey data of 306 Indian respondents were analysed using partial least squares structural equation modelling technique. The study found a negative influence of issues (app. quality and payment), a positive influence of conscientiousness trait and an insignificant impact of traditional barrier on continuance intention. Perceived gamification had a significant moderating influence on the relationship between app. quality concerns, security concerns, agreeableness and conscientiousness with continuance intention.

Keywords: Big Five personality traits; Innovation resistance theory; Gen X customers; Perceived gamification; Mobile payment apps. (search for similar items in EconPapers)
Date: 2024
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DOI: 10.1057/s41264-023-00264-2

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