THE MODERATING EFFECT OF AGE ON THE RELATIONSHIP BETWEEN PERCEIVED EASE OF USE AND INTENTION TO USE MOBILE BANKING OF ELDERLY PEOPLE

Abstract

The research objective was to study the moderating effect of Age on the relationship between Perceived ease of use (PEOU) and Intention to use mobile banking (INT) of elderly people. Consumers who had used or interests in using mobile banking were selected as research sample by convenience sampling. The sample size was 140. The research tool was the structured, close-ended questionnaire that passed both validity and reliability tests, with Cronbach’s Alpha ranged from .90 to .92. The research used descriptive statistics in analyzing data, and applied Multiple Regression Analysis (MRA), at .05 significance level, in testing the hypotheses.

Results from the hypothesis testing reveal that the effect of PEOU on Intention to use is moderated by Age. The interaction between PEOU and Age affects the intention to use mobile banking of people aged 60-64 years and 65-69 years. PEOU has no influence on the intention to use mobile banking of people aged more than 69 years.