...-banking and mobile payment is still at an early stage. Second, using multigroup analyses (MGA), this research examines the moderating effect of three important demographic variables, namely, age, gender and education. The moderating role of these factors was accounted for to fortify the power...

... approach. The measurement model was analyzed, and invariance of the measurement model was established. Afterward, the hypotheses were tested, and multi-group analysis was performed through Henseler’s multi-group analysis (MGA) and Permutation test. Findings The results indicate a lack of significant...