IDEAS home Printed from https://ideas.repec.org/a/ids/ijmpra/v16y2023i1p18-37.html
   My bibliography  Save this article

Moderation effect of demographic factors in adoption of electronic payments

Author

Listed:
  • Palak Kanojia
  • Madan Lal

Abstract

The study examined the relationship of attitude towards intention to use electronic systems in retail payments by the users across demographics. This study is primarily based on the consumer behaviour theories namely 'theory of reasoned action' (TRA) and 'technology adoption model' (TAM). The data was collected from the active users of e-payments services belonging to the Delhi region (India) on a five-point Likert scale. PLS-SEM was used to analyse the data of 414 respondents. Moderation effects of demographic factors gender, age, income, education, and occupation are tested for a difference between sample groups on the effect of attitude towards intention to use e-payments. Results established a moderating effect of age, income, and education level on the effect of attitude towards intention. Further moderated mediation effects for age, income and education revealed that attitude is a strong mediator construct in the total effect of perceived usefulness on intention.

Suggested Citation

  • Palak Kanojia & Madan Lal, 2023. "Moderation effect of demographic factors in adoption of electronic payments," International Journal of Management Practice, Inderscience Enterprises Ltd, vol. 16(1), pages 18-37.
    • Handle: RePEc:ids:ijmpra:v:16:y:2023:i:1:p:18-37
    as

    Download full text from publisher

    File URL: http://www.inderscience.com/link.php?id=127676
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ids:ijmpra:v:16:y:2023:i:1:p:18-37. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sarah Parker (email available below). General contact details of provider: http://www.inderscience.com/browse/index.php?journalID=91 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.