An Empirical Observation of Age Factor’s Moderating Role on Mobile Banking Adoption in Rural Karnataka
Year: 2014
Type: preprint
Study design: Observational Study
Abstract: Mobile banking can be the best tool for government of India to achieve success in financial inclusion given the fact that there is high penetration of mobile phones in India. It is a challenge to achieve success without having a clue of rural people‘s take on benefits, learning capability, attitude, and social influences of a technology. An attempt of determining the factors that affect adoption of mobile banking service was made by searching and short listing important factors from literature review by subjecting them to reliability and EFA (Exploratory Factor Analysis). Rural regions in the state of Karnataka were surveyed. Double sampling technique was used to reach the sample size of 957. Collected data was subjected to regression analysis and interaction-moderation analysis through SPSS-AMOS. The interaction relationship in the model was supported by attitude‘s path towards behavioural intention that was moderated by age. An interaction plot showing moderation behaviour of age was achieved.
Source: SSRN Electronic Journal
Authors: Krishna Kishore, A. H. Sequeira
Institution: National Institute of Technology Karnataka
Language: English
Subfield: Information Systems and Management
Field: Decision Sciences
Domain: Social Sciences
Open Access status: green
OpenAlex ID: W2347163523