Why do certain individuals adopt new technologies whereas others don't? Exploring the role of technology readiness in internet banking adoption

Yousafzai, Shumaila ORCID: https://orcid.org/0000-0002-9136-4947 2010. Why do certain individuals adopt new technologies whereas others don't? Exploring the role of technology readiness in internet banking adoption. Presented at: SAICON 2010: 2nd International Conference of AGBA South Asia Chapter, Bhurban, Pakistan, 21-23 July 2010.

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Abstract

Individual’s personality has a significant influence on the adoption and use of new technologies. The core premise of this study is that personality traits (technology readiness, gender, age) form the foundation for beliefs (perceived usefulness, perceived ease of use) of how technology should work and thus indirectly affect the intentions to use and the actual adoption behaviours. The results of an empirical study, with 441 internet banking users, shows that technology readiness and demographics moderate the relationship between perceived usefulness and intention such that the relationship was stronger for male, young, and high techno-ready (explorers and pioneers) respondents. Similarly, the relationship between perceived ease of use and intention was significant for female, older, and techno-resistant respondents (paranoids and laggards). The main practical implication is that as banks continue to expand their online service offerings, managers must recognize that these services exist to serve customers and, therefore, their design must be matched to customers’ needs and characteristics

Item Type:	Conference or Workshop Item (Paper)
Date Type:	Completion
Status:	Unpublished
Schools:	Business (Including Economics)
Subjects:	H Social Sciences > HG Finance
Uncontrolled Keywords:	Marketing and strategy
Related URLs:	http://agba.org.pk/saicon2010.html
Last Modified:	20 Oct 2022 07:43
URI:	https://orca.cardiff.ac.uk/id/eprint/26150

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