Demographic and descriptive statistics
| Variable | Value | AA | AR |
|---|---|---|---|
| Swedish bank account | Yes | 105 (100%) | 388 (100%) |
| No | 0 (0%) | 0 (0%) | |
| Gender | Male | 49 (46.7%) | 205 (52.8%) |
| Female | 55 (52.4%) | 181 (46.6%) | |
| Other | 1 (1%) | 2 (0.5%) | |
| Age (years) | 18–29 | 105 (100%) | 23 (5.9%) |
| 30–53 | n/a | 155 (39.9%) | |
| 54–65 | n/a | 129 (33.2%) | |
| >65 | n/a | 81 (20.9%) | |
| Monthly income (SEK) | <20,000 | 89 (84.8%) | 104 (26.8%) |
| 20,000–39,999 | 13 (12.4%) | 196 (50.5%) | |
| 40,000–59,999 | 0 (0%) | 36 (9.3%) | |
| >59,999 | 0 (0%) | 13 (3.4%) | |
| Do not want to share | 3 (2.9%) | 39 (10.1%) | |
| Location | Big city | 10 (9.5%) | 113 (29.1%) |
| City | 68 (64.8%) | 79 (20.4%) | |
| Small city | 15 (14.3%) | 71 (18.3%) | |
| Village | 12 (11.4%) | 125 (32.2%) | |
| Payment experience: | |||
| Bank card | Never | 0 (0%) | 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%) | |
| 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%) | |
| Variable | Value | AA | AR |
|---|---|---|---|
| Swedish bank account | Yes | 105 (100%) | 388 (100%) |
| No | 0 (0%) | 0 (0%) | |
| Gender | Male | 49 (46.7%) | 205 (52.8%) |
| Female | 55 (52.4%) | 181 (46.6%) | |
| Other | 1 (1%) | 2 (0.5%) | |
| Age (years) | 18–29 | 105 (100%) | 23 (5.9%) |
| 30–53 | n/a | 155 (39.9%) | |
| 54–65 | n/a | 129 (33.2%) | |
| >65 | n/a | 81 (20.9%) | |
| Monthly income (SEK) | <20,000 | 89 (84.8%) | 104 (26.8%) |
| 20,000–39,999 | 13 (12.4%) | 196 (50.5%) | |
| 40,000–59,999 | 0 (0%) | 36 (9.3%) | |
| >59,999 | 0 (0%) | 13 (3.4%) | |
| Do not want to share | 3 (2.9%) | 39 (10.1%) | |
| Location | Big city | 10 (9.5%) | 113 (29.1%) |
| City | 68 (64.8%) | 79 (20.4%) | |
| Small city | 15 (14.3%) | 71 (18.3%) | |
| Village | 12 (11.4%) | 125 (32.2%) | |
| Bank card | Never | 0 (0%) | 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%) | |
| 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%) | |
| Min | Max | Mean (SD) | ||
|---|---|---|---|---|
| Interval (Likert scale) | AA | AR | ||
| EBB1–2 | 2 | 8 | 7.05 (1.212) | 5.10 (1.716) |
| UBB1–2 | 2 | 8 | 6.85 (1.433) | 4.26 (1.542) |
| SIBB2–4 | 3 | 12 | 5.91 (2.296) | 4.44 (1.899) |
| CBB1–3 | 3 | 12 | 9.65 (1.641) | 6.89 (2.008) |
| INT1 | 1 | 4 | 2.98 (0.930) | 1.18 (0.552) |
| Min | Max | Mean (SD) | ||
|---|---|---|---|---|
| Interval (Likert scale) | AA | AR | ||
| EBB1–2 | 2 | 8 | 7.05 (1.212) | 5.10 (1.716) |
| UBB1–2 | 2 | 8 | 6.85 (1.433) | 4.26 (1.542) |
| SIBB2–4 | 3 | 12 | 5.91 (2.296) | 4.44 (1.899) |
| CBB1–3 | 3 | 12 | 9.65 (1.641) | 6.89 (2.008) |
| INT1 | 1 | 4 | 2.98 (0.930) | 1.18 (0.552) |
Note(s): AA = Adopters-accepters; AR = Adopters-resisters; n/a = not applicable; SD = Standard deviation
Source(s): The author’s own creation/work
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