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Przynależność do kohorty pokoleniowej jako determinanta korzystania z BLIK-a

Author

Listed:
  • Mirosława Kaczmarek

    (Uniwersytet Ekonomiczny w Poznaniu)

Abstract

Celem artykułu jest zidentyfikowanie podobieństw i różnic w korzystaniu z wybranych funkcji BLIK-a wśród użytkowników bankowych aplikacji mobilnych należących do pokoleń: X, Y i Z. Liczne badania potwierdzają, że te trzy kohorty pokoleniowe mają odmienne doświadczenia w korzystaniu z technologii cyfrowej i inne postawy wobec technologii mobilnej w usługach bankowych oraz różnią się preferencjami co do kanału dostępu do tych usług. W związku z tym sformułowano hipotezę, że pomiędzy użytkownikami aplikacji bankowych z poszczególnych generacji będą występować statystycznie istotne różnice w korzystaniu z wybranych funkcji BLIK-a. W celu jej weryfikacji wśród użytkowników bankowych aplikacji mobilnych przeprowadzono badanie ilościowe z wykorzystaniem kwestionariusza (CAWI). Zastosowanie testu niezależności chi-kwadrat oraz metody analizy korespondencji potwierdziło, że pomiędzy osobami z generacji X, Y i Z występują różnice w częstości korzystania z następujących funkcji BLIK-a: przelew internetowy, przelew na telefon (P2P) i płatność w POS z użyciem kodu.

Suggested Citation

  • Mirosława Kaczmarek, 2023. "Przynależność do kohorty pokoleniowej jako determinanta korzystania z BLIK-a," Bank i Kredyt, Narodowy Bank Polski, vol. 54(2), pages 221-238.
    • Handle: RePEc:nbp:nbpbik:v:54:y:2023:i:2:p:221-238
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    References listed on IDEAS

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    More about this item

    Keywords

    BLIK; bankowość mobilna; generacja X; generacja Y; analiza korespondencji;
    All these keywords.

    JEL classification:

    • G41 - Financial Economics - - Behavioral Finance - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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