Selection of research exploring socio-economic variables and electronic/mobile banking adoption
| Study | Socio-economic variables | Impact on electronic/mobile banking adoption |
|---|---|---|
| Chawla and Joshi (2018) | Age, Education, Gender, Experience, Income, Marital status and Occupation | Those who were married and younger professionals with 3–5 years work experience were more likely to adopt. Education and Gender did not have a significant affect on adoption |
| Kolodinsky et al. (2004) | Age, Education, Income, Ethnicity, Marital status | Younger (less than 35 years), better educated with higher income were more likely to adopt. Marital status had limited impact and ethnicity did not significantly affect adoption |
| Laforet and Li (2005) | Age, Education, Gender, Income, Occupation | Individuals aged 35–44 with higher income and work experience were more likely to adopt. Women less likely to adopt. Education did not have a significant affect on adoption |
| Laukkanen and Pasanen (2008) | Age, Education, Gender, Household size, Income, Occupation | Individuals aged 30–39 and 40–49 were more likely to adopt; women less likely to adopt. Education, Household size, Income, and occupation did not affect adoption |
| Malaquias and Hwang (2019) | Age, Gender | Age and Gender did not have a significant affect on adoption |
| Sohail and Al-Jabri (2014) | Age, Cultural differences, Education, Gender, Income, Occupation | Individuals aged 18–25, with higher education were more likely to adopt; women less likely to adopt; Culture had limited affect. Income did not significantly affect adoption |
| Study | Socio-economic variables | Impact on electronic/mobile banking adoption |
|---|---|---|
| Age, Education, Gender, Experience, Income, Marital status and Occupation | Those who were married and younger professionals with 3–5 years work experience were more likely to adopt. Education and Gender did not have a significant affect on adoption | |
| Age, Education, Income, Ethnicity, Marital status | Younger (less than 35 years), better educated with higher income were more likely to adopt. Marital status had limited impact and ethnicity did not significantly affect adoption | |
| Age, Education, Gender, Income, Occupation | Individuals aged 35–44 with higher income and work experience were more likely to adopt. Women less likely to adopt. Education did not have a significant affect on adoption | |
| Age, Education, Gender, Household size, Income, Occupation | Individuals aged 30–39 and 40–49 were more likely to adopt; women less likely to adopt. Education, Household size, Income, and occupation did not affect adoption | |
| Age, Gender | Age and Gender did not have a significant affect on adoption | |
| Age, Cultural differences, Education, Gender, Income, Occupation | Individuals aged 18–25, with higher education were more likely to adopt; women less likely to adopt; Culture had limited affect. Income did not significantly affect adoption |
Source(s): Authors’ own work