FUNCTIONAL BARRIERS TO THE ADOPTION OF ELECTRONIC BANKING: THE MODERATING EFFECT OF GENDER

The adoption of electronic banking in Spain is lower compared to other countries. This study analyzes the barriers that prevent its adoption, with the conceptual framework of the theory of resistance to innovation. In addition, it analyzes the moderating effect of gender on these barriers. Using str...

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Bibliographic Details
Published inRevista de economía aplicada Vol. 25; no. 75; pp. 87 - 107
Main Authors Borraz-Mora, Javier, Bordonaba-Juste, Victoria, Polo-Redondo, Yolanda
Format Journal Article
LanguageEnglish
Published Zaragoza Emerald Group Publishing Limited 01.12.2017
Subjects
Administrative expenses
Banking
Barriers
Comparative studies
Consumers
Electronic banking
Gender
Group psychotherapy
Innovations
Internet
Investigations
Mobile commerce
Resistance
Technological change
Technology adoption
User behavior
Spain
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Summary:The adoption of electronic banking in Spain is lower compared to other countries. This study analyzes the barriers that prevent its adoption, with the conceptual framework of the theory of resistance to innovation. In addition, it analyzes the moderating effect of gender on these barriers. Using structural equations, through PLS and multi-group analysis, the results confirm consumer resistance to electronic banking adoption by functional barriers. It highlights the importance of the value barrier, being this aspect of particular relevance for men, while women are more affected by the complexity in the use of electronic banking. These results have implications for management in overcoming non-adopters' resistance to the innovation.
ISSN:2632-7627