Moderation effect of demographic factors in adoption of electronic payments

Q4 Business, Management and Accounting

International Journal of Management Practice Pub Date : 2023-01-01 DOI:10.1504/ijmp.2023.127676

Palak Kanojia, Madan Lal

引用次数: 1

Abstract

The study examined the relationship of attitude towards intention to use electronic systems in retail payments by the users across demographics. This study is primarily based on the consumer behaviour theories namely 'theory of reasoned action' (TRA) and 'technology adoption model' (TAM). The data was collected from the active users of e-payments services belonging to the Delhi region (India) on a five-point Likert scale. PLS-SEM was used to analyse the data of 414 respondents. Moderation effects of demographic factors gender, age, income, education, and occupation are tested for a difference between sample groups on the effect of attitude towards intention to use e-payments. Results established a moderating effect of age, income, and education level on the effect of attitude towards intention. Further moderated mediation effects for age, income and education revealed that attitude is a strong mediator construct in the total effect of perceived usefulness on intention.

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人口因素对电子支付的调节作用

该研究调查了不同人口统计数据的用户对在零售支付中使用电子系统的态度和意图的关系。本研究主要基于消费者行为理论，即“理性行为理论”(TRA)和“技术采用模型”(TAM)。数据是从属于德里地区(印度)的电子支付服务的活跃用户收集的五点李克特量表。利用PLS-SEM分析了414名受访者的数据。性别、年龄、收入、教育程度、职业等人口统计学因素对电子支付意向态度的调节作用在样本组间的差异进行了检验。结果表明，年龄、收入和教育水平对意向态度的影响有调节作用。在年龄、收入和教育的中介效应中，态度是感知有用性对意向总影响的强中介结构。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Journal of Management Practice Business, Management and Accounting-Business and International Management

CiteScore

1.20

自引率

0.00%

发文量

期刊介绍： There is a burgeoning development of theories but unfortunately very few make it into management practice. Explanations for this are many and varied but can be classified into two major reasons: theories that are too narrow and far removed from the realities and intricacies of the world of practice, and second sound theories which are unfortunately written and discussed in a manner that confines them to forever live in the confines of academic corridors. IJMP focuses on the pragmatics of informing management action and practice. This requires translating existing theories into forms that are relevant, digestible and amenable to practical action as well as developing new insights by developing and examining leading edge managerial practices to enhance organisational performance.