Predicting Older Adults’ Mobile Payment Adoption: An Extended TAM Model

This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five aspects of perceived risk, to measure the factors that influence the behavioral intentions of older adults to use mobile payments. A total of...

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Published inInternational journal of environmental research and public health Vol. 20; no. 2; p. 1391
Main Authors Yang, Cheng-Chia, Yang, Shang-Yu, Chang, Yu-Chia
Format Journal Article
LanguageEnglish
Published Switzerland MDPI AG 12.01.2023
MDPI
Subjects
Adults
Age groups
Attitude
Attitudes
Behavior
Brand loyalty
Cellular telephones
Consumers
Hypotheses
Influence
Innovations
Intention
Mobile commerce
Models, Theoretical
Older people
Privacy
Surveys and Questionnaires
Technology Acceptance Model
Trust
older adults
behavioral intention
influence factor
mobile payment
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Abstract This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five aspects of perceived risk, to measure the factors that influence the behavioral intentions of older adults to use mobile payments. A total of 365 questionnaires were collected from older adults aged 55 years or older from 20 community care sites in central Taiwan. Partial least-squares structural equation modeling was used to test our research model. The results showed that attitude was the main determinant of M-payment in older adults. Moreover, increasing the usefulness, ease of use, and observability of M-payment helped older adults improve their attitudes toward M-payment, thereby increasing their intention to use it. Trust had a significant effect on the usefulness and ease of use of M-payment, while the main factors affecting trust were only performance and financial risks.
AbstractList This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five aspects of perceived risk, to measure the factors that influence the behavioral intentions of older adults to use mobile payments. A total of 365 questionnaires were collected from older adults aged 55 years or older from 20 community care sites in central Taiwan. Partial least-squares structural equation modeling was used to test our research model. The results showed that attitude was the main determinant of M-payment in older adults. Moreover, increasing the usefulness, ease of use, and observability of M-payment helped older adults improve their attitudes toward M-payment, thereby increasing their intention to use it. Trust had a significant effect on the usefulness and ease of use of M-payment, while the main factors affecting trust were only performance and financial risks.
This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five aspects of perceived risk, to measure the factors that influence the behavioral intentions of older adults to use mobile payments. A total of 365 questionnaires were collected from older adults aged 55 years or older from 20 community care sites in central Taiwan. Partial least-squares structural equation modeling was used to test our research model. The results showed that attitude was the main determinant of M-payment in older adults. Moreover, increasing the usefulness, ease of use, and observability of M-payment helped older adults improve their attitudes toward M-payment, thereby increasing their intention to use it. Trust had a significant effect on the usefulness and ease of use of M-payment, while the main factors affecting trust were only performance and financial risks.This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five aspects of perceived risk, to measure the factors that influence the behavioral intentions of older adults to use mobile payments. A total of 365 questionnaires were collected from older adults aged 55 years or older from 20 community care sites in central Taiwan. Partial least-squares structural equation modeling was used to test our research model. The results showed that attitude was the main determinant of M-payment in older adults. Moreover, increasing the usefulness, ease of use, and observability of M-payment helped older adults improve their attitudes toward M-payment, thereby increasing their intention to use it. Trust had a significant effect on the usefulness and ease of use of M-payment, while the main factors affecting trust were only performance and financial risks.
Author Yang, Cheng-Chia
Yang, Shang-Yu
Chang, Yu-Chia
AuthorAffiliation 1 Department of Healthcare Administration, Asia University, Taichung 41354, Taiwan
2 Department of Long Term Care, National Quemoy University, Kinmen County 892009, Taiwan
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– name: 1 Department of Healthcare Administration, Asia University, Taichung 41354, Taiwan
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mobile payment
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Snippet This study adopted an advanced model, combining the technology acceptance model, the theory of reasoned action, the diffusion of innovations, trust, and five...
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crossref
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Aggregation Database
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StartPage 1391
SubjectTerms Adults
Age groups
Attitude
Attitudes
Behavior
Brand loyalty
Cellular telephones
Consumers
Hypotheses
Influence
Innovations
Intention
Mobile commerce
Models, Theoretical
Older people
Privacy
Surveys and Questionnaires
Technology Acceptance Model
Trust
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Title Predicting Older Adults’ Mobile Payment Adoption: An Extended TAM Model
URI https://www.ncbi.nlm.nih.gov/pubmed/36674145
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Volume 20
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