A4 Article in conference proceedings
Gender, Age, and Generational Differences in the Use Intention of Mobile Payments and Its Antecedents (2022)


Makkonen, M., Frank, L., Kemppainen, T., & Juujärvi, T. (2022). Gender, Age, and Generational Differences in the Use Intention of Mobile Payments and Its Antecedents. In R. Cuel, D. Ponte, & F. Virili (Eds.), Exploring Digital Resilience : Challenges for People and Organizations. ItAIS 2021 (pp. 87-102). Springer International Publishing. Lecture Notes in Information Systems and Organisation, 57. https://doi.org/10.1007/978-3-031-10902-7_7


JYU authors or editors


Publication details

All authors or editorsMakkonen, Markus; Frank, Lauri; Kemppainen, Tiina; Juujärvi, Tanja

Parent publicationExploring Digital Resilience : Challenges for People and Organizations. ItAIS 2021

Parent publication editorsCuel, Roberta; Ponte, Diego; Virili, Francesco

Conference:

  • Conference of the Italian Chapter of AIS

Place and date of conferenceTrento, Italy15.-16.10.2021

ISBN978-3-031-10901-0

eISBN978-3-031-10902-7

Journal or seriesLecture Notes in Information Systems and Organisation

ISSN2195-4968

eISSN2195-4976

Publication year2022

Publication date24/07/2022

Number in series57

Pages range87-102

Number of pages in the book304

PublisherSpringer International Publishing

Place of PublicationCham

Publication countrySwitzerland

Publication languageEnglish

DOIhttps://doi.org/10.1007/978-3-031-10902-7_7

Publication open accessNot open

Publication channel open access

Publication is parallel published (JYX)https://jyx.jyu.fi/handle/123456789/85556


Abstract

Although mobile payments have gained considerable attention in academic research, there still are major gaps in our more in-depth understanding of the antecedents of their acceptance and use. In this study, we aim to address these gaps by examining the potential gender and age differences in the use intention of mobile payments and its antecedents in terms of the effects of the antecedent factors on use intention as well as the antecedent factors and use intention themselves while also considering the critical prerequisite of measurement invariance. Moreover, through a careful selection of the compared age groups, we extend the examination to cover also the potential generational differences between digital natives and digital immigrants. As the data for the study, we use the responses to an online survey that were collected from Finnish consumers in May 2020 and are analysed by using structural equation modelling (SEM). In terms of gender, we find no differences in the effects of the antecedent factors on use intention but find women to perceive the use of mobile payments as both less easy and less secure than men. In turn, in terms of age and generation, we find the effect of social influence on use intention to be stronger for younger users representing digital natives, whereas older users representing digital immigrants were found to perceive the use of mobile payments as less easy. Finally, we discuss these findings in more detail from both theoretical and practical perspectives.


Keywordsmobile paymentmobile devicesuseintroduction (implementation)agegenerationsgenderdigital nativesdigital competencedifferences

Free keywordsmobile payments; use intention; antecedents; gender differences; age differences; generational differences; digital natives; digital immigrants


Contributing organizations


Ministry reportingYes

Reporting Year2022

JUFO rating1


Last updated on 2024-03-04 at 18:06