Predicting M-banking adoption: the moderating role of age in technology acceptance

• Published in: Cogent Business & Management
• Main Authors: Kusairi Kusairi, Anisya Sukmawati, Nanang A.S, Moh Shadiqur Rahman
• Format: Article
• Language: English
• Published: Taylor & Francis Group 2025-12-01
• Subjects: Behavioral intention to use; perceived ease of use; attitude; perceived usefulness; m-banking; technology acceptance
• Online Access: https://www.tandfonline.com/doi/10.1080/23311975.2025.2547964

This research enhances the Technology Acceptance Model (TAM) by integrating age (younger and older) as a moderation variable to examine the effect of several antecedents, such as perceived usefulness (PU), perceived ease of use (PEOU), and attitude, on the adoption of mobile banking (m-banking) payment technology. This study involves 238 users of m-banking for transactions. This research design employs structural equation modeling with partial least squares (PLS-SEM) alongside multi-group analysis (MGA) to assess the moderating effect of age on the hypothesized relationships. The findings indicate that PEOU, PU, and attitude significantly affect the intention to use m-banking. Attitude significantly mediated the effects of PU and PEOU on behavioral intentions to use (BIU). The results also indicated that age does not serve as a significant moderator between PU and attitude, but it significantly moderates the relationship between PEOU and BIU. The analysis reveals significantly stronger technology adoption and BIU influences among younger generations compared to older demographics.