Effects of age and income moderation on adoption of mobile payments in Brazil

Fernando Luis Abegao Neto · Júlio César Bastos de Figueiredo

50 citations0/0 files storedInnovation & Management Review

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

Purpose This study aims to measure the effects of moderation by age and income in mobile payment systems' intended use as predictors of performance expectation, effort expectation, social influence, risk and perceived costs. Design/methodology/approach This study is based on a survey that generated a sample of 1,742 Brazilian users that responded to the measurement scale. The research data were analyzed using the partial least squares structural equation model. Findings All proposed latent variables were significant, with income positively moderating the performance expectation and negatively moderating the perceived cost and perceived risk. In addition, age positively moderates performance expectation and negatively moderates cost perception. Originality/value The findings evolved previous literature by understanding moderating effects that make it possible for companies operating in mobile payments to generate segmented communication and engagement plans for users of different income and age brackets.

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2003User Acceptance of Information Technology: Toward A Unified View1 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 2011PLS-SEM: Indeed a Silver Bullet 2013Partial Least Squares Structural Equation Modeling: Rigorous Applications, Better Results and Higher Acceptance 2016Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology 2006Using the technology acceptance model to explain how attitudes determine Internet usage: The role of perceived access barriers and demographics 2015Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators

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