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 editors: Makkonen, Markus; Frank, Lauri; Kemppainen, Tiina; Juujärvi, Tanja

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

Parent publication editors: Cuel, Roberta; Ponte, Diego; Virili, Francesco

Conference:

Place and date of conference: Trento, Italy, 15.-16.10.2021

ISBN: 978-3-031-10901-0

eISBN: 978-3-031-10902-7

Journal or series: Lecture Notes in Information Systems and Organisation

ISSN: 2195-4968

eISSN: 2195-4976

Publication year: 2022

Publication date: 24/07/2022

Number in series: 57

Pages range: 87-102

Number of pages in the book: 304

Publisher: Springer International Publishing

Place of Publication: Cham

Publication country: Switzerland

Publication language: English

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

Publication open access: Not 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.

Keywords: mobile payment; mobile devices; use; introduction (implementation); age; generations; gender; digital natives; digital competence; differences

Free keywords: mobile payments; use intention; antecedents; gender differences; age differences; generational differences; digital natives; digital immigrants

Contributing organizations

Ministry reporting: Yes

Reporting Year: 2022

JUFO rating: 1