Descriptive statistics
| Min | Max | Mean (SD) | Mean (SD) | VIF | VIF | |
|---|---|---|---|---|---|---|
| Interval (Likert scale) | n = 105 | n = 388 | n = 105 | n = 388 | ||
| Privacy barrier (PB1–3) | 3 | 12 | 6.80 (2.577) | 9.95 (2.442) | 1.516 | 1.906 |
| Security barrier (SB1–4) | 4 | 16 | 8.71 (3.069) | 11.74 (3.502) | 1.421 | 1.874 |
| Access barrier (AB1–4) | 4 | 16 | 7.71 (2.871) | 12.70 (2.877) | 1.597 | 1.888 |
| Impersonalisation barrier (IB1, 2, 4 and 6) | 4 | 16 | 9.49 (2.739) | 13.09 (2.632) | 1.623 | 1.954 |
| Trust barrier (TB1–3) | 3 | 12 | 7.89 (1.913) | 9.47 (1.839) | 1.593 | 2.025 |
| Intention (IF1) | 1 | 4 | 2.98 (0.930) | 1.18 (0.552) | n/a | n/a |
| Min | Max | Mean (SD) | Mean (SD) | VIF | VIF | |
|---|---|---|---|---|---|---|
| Interval (Likert scale) | ||||||
| Privacy barrier (PB1–3) | 3 | 12 | 6.80 (2.577) | 9.95 (2.442) | 1.516 | 1.906 |
| Security barrier (SB1–4) | 4 | 16 | 8.71 (3.069) | 11.74 (3.502) | 1.421 | 1.874 |
| Access barrier (AB1–4) | 4 | 16 | 7.71 (2.871) | 12.70 (2.877) | 1.597 | 1.888 |
| Impersonalisation barrier (IB1, 2, 4 and 6) | 4 | 16 | 9.49 (2.739) | 13.09 (2.632) | 1.623 | 1.954 |
| Trust barrier (TB1–3) | 3 | 12 | 7.89 (1.913) | 9.47 (1.839) | 1.593 | 2.025 |
| Intention (IF1) | 1 | 4 | 2.98 (0.930) | 1.18 (0.552) | n/a | n/a |
| Variables | Values | Adopters-accepters (YBCs) n = 105 | Adopters-resisters (KUs) n = 388 |
| Swedish bank customer | Yes | 105 (100%) | 388 (100%) |
| No | NV | NV | |
| Age, years | 18–29 | 105 (100%) | 23 (5.9%) |
| 30–41 | n/a | 63 (16.2%) | |
| 42–53 | n/a | 92 (23.7%) | |
| 54–65 | n/a | 129 (33.2%) | |
| >65 | n/a | 81 (20.9%) | |
| Income per month | <SEK 20,000 | 89 (84.8%) | 104 (26.8%) |
| SEK 20,000–29,999 | 11 (10.5%) | 105 (27.1%) | |
| SEK 30,000–39,999 | 2 (1.9%) | 91 (23.5%) | |
| SEK 40,000–49,999 | NV | 27 (7.0%) | |
| SEK 50,000–59,999 | NV | 9 (2.3%) | |
| >SEK 59,999 | 3 (2.9%) | 13 (3.4%) | |
| Do not want to share | 3 (2.9%) | 39 (10.1%) | |
| Location | Big city (i.e. Stockholm, Göteborg or Malmö) | 10 (9.5%) | 113 (29.1%) |
| City (population 50,000–200,000) | 68 (64.8%) | 79 (20.4%) | |
| Small city (population 15,000–50,000) | 15 (14.3%) | 71 (18.3%) | |
| Village (population under 15,000) | 12 (11.4%) | 125 (32.2%) | |
| Payment usage frequency | |||
| - Bank card | Never | NV | 21 (5.4%) |
| Rarely | 4 (3.8%) | 138 (35.6%) | |
| Often | 33 (31.4%) | 174 (44.8%) | |
| Very often | 68 (64.8%) | 55 (14.2%) | |
| - Cash | Never | 45 (42.9%) | 10 (2.6%) |
| Rarely | 56 (53.3%) | 71 (18.3%) | |
| Often | 3 (2.9%) | 170 (43.8%) | |
| Very often | 1 (1.0%) | 137 (35.3%) | |
| - Internet banking | Never | 6 (5.7%) | 35 (9.0%) |
| Rarely | 24 (22.9%) | 133 (34.3%) | |
| Often | 44 (41.9%) | 187 (48.2%) | |
| Very often | 31 (29.5%) | 33 (8.5%) | |
| - Swish (mobile app) | Never | 2 (1.9%) | 112 (28.9%) |
| Rarely | 13 (12.4%) | 183 (47.2%) | |
| Often | 42 (40.0%) | 84 (21.6%) | |
| Very often | 48 (45.7%) | 9 (2.3%) | |
| Gender | Male | 49 (46.7%) | 205 (52.8%) |
| Female | 55 (52.4%) | 181 (46.6%) | |
| Other | 1 (1%) | 2 (0.5%) |
| Variables | Values | Adopters-accepters (YBCs) | Adopters-resisters (KUs) |
| Swedish bank customer | Yes | 105 (100%) | 388 (100%) |
| No | NV | NV | |
| Age, years | 18–29 | 105 (100%) | 23 (5.9%) |
| 30–41 | n/a | 63 (16.2%) | |
| 42–53 | n/a | 92 (23.7%) | |
| 54–65 | n/a | 129 (33.2%) | |
| >65 | n/a | 81 (20.9%) | |
| Income per month | <SEK 20,000 | 89 (84.8%) | 104 (26.8%) |
| SEK 20,000–29,999 | 11 (10.5%) | 105 (27.1%) | |
| SEK 30,000–39,999 | 2 (1.9%) | 91 (23.5%) | |
| SEK 40,000–49,999 | NV | 27 (7.0%) | |
| SEK 50,000–59,999 | NV | 9 (2.3%) | |
| >SEK 59,999 | 3 (2.9%) | 13 (3.4%) | |
| Do not want to share | 3 (2.9%) | 39 (10.1%) | |
| Location | Big city (i.e. Stockholm, Göteborg or Malmö) | 10 (9.5%) | 113 (29.1%) |
| City (population 50,000–200,000) | 68 (64.8%) | 79 (20.4%) | |
| Small city (population 15,000–50,000) | 15 (14.3%) | 71 (18.3%) | |
| Village (population under 15,000) | 12 (11.4%) | 125 (32.2%) | |
| Payment usage frequency | |||
| - Bank card | Never | NV | 21 (5.4%) |
| Rarely | 4 (3.8%) | 138 (35.6%) | |
| Often | 33 (31.4%) | 174 (44.8%) | |
| Very often | 68 (64.8%) | 55 (14.2%) | |
| - Cash | Never | 45 (42.9%) | 10 (2.6%) |
| Rarely | 56 (53.3%) | 71 (18.3%) | |
| Often | 3 (2.9%) | 170 (43.8%) | |
| Very often | 1 (1.0%) | 137 (35.3%) | |
| - Internet banking | Never | 6 (5.7%) | 35 (9.0%) |
| Rarely | 24 (22.9%) | 133 (34.3%) | |
| Often | 44 (41.9%) | 187 (48.2%) | |
| Very often | 31 (29.5%) | 33 (8.5%) | |
| - Swish (mobile app) | Never | 2 (1.9%) | 112 (28.9%) |
| Rarely | 13 (12.4%) | 183 (47.2%) | |
| Often | 42 (40.0%) | 84 (21.6%) | |
| Very often | 48 (45.7%) | 9 (2.3%) | |
| Gender | Male | 49 (46.7%) | 205 (52.8%) |
| Female | 55 (52.4%) | 181 (46.6%) | |
| Other | 1 (1%) | 2 (0.5%) |
Notes:
YBCs = Young bank customers; KU = Kontantupproret; n/a = Not applicable; NV = No value; SD = Standard deviation; VIF = Variance inflation factor