Main Article Content
The purpose of this research was to determine the factors that affect to elderly's intention to use financial services application during the COVID-19 pandemic. In this regard, 400 questionnaires collected from elders, who have experience with financial services application, were analyzed. The descriptive statistics used in this research were employed to summarize the characteristics of the sample and included frequency and percentages. The data were analyzed through Structural Equation Model to test the hypotheses and derive model fit. The model showed a goodness-of-fit with P-value = 0.087, 2/df = 1.142, RMSEA = 0.019, CFI = 0.997 and TLI = 0.994. According to analysis results, the relative advantage, the compatibility, and the Trialability have a positive influence on the perceived usefulness and also have an indirect affect to elderly's intention to use financial services application through the perceived usefulness. The results also show the complexity and the observability have a positive influence on the perceived ease of use and also have an indirect affect to elderly's intention to use financial services application through the perceived ease.
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
I/we certify that I/we have participated sufficiently in the intellectual content, conception and design of this work or the analysis and interpretation of the data (when applicable), as well as the writing of the manuscript, to take public responsibility for it and have agreed to have my/our name listed as a contributor. I/we believe the manuscript represents valid work. Neither this manuscript nor one with substantially similar content under my/our authorship has been published or is being considered for publication elsewhere, except as described in the covering letter. I/we certify that all the data collected during the study is presented in this manuscript and no data from the study has been or will be published separately. I/we attest that, if requested by the editors, I/we will provide the data/information or will cooperate fully in obtaining and providing the data/information on which the manuscript is based, for examination by the editors or their assignees. Financial interests, direct or indirect, that exist or may be perceived to exist for individual contributors in connection with the content of this paper have been disclosed in the cover letter. Sources of outside support of the project are named in the cover letter.
I/We hereby transfer(s), assign(s), or otherwise convey(s) all copyright ownership, including any and all rights incidental thereto, exclusively to the Journal, in the event that such work is published by the Journal. The Journal shall own the work, including 1) copyright; 2) the right to grant permission to republish the article in whole or in part, with or without fee; 3) the right to produce preprints or reprints and translate into languages other than English for sale or free distribution; and 4) the right to republish the work in a collection of articles in any other mechanical or electronic format.
We give the rights to the corresponding author to make necessary changes as per the request of the journal, do the rest of the correspondence on our behalf and he/she will act as the guarantor for the manuscript on our behalf.
All persons who have made substantial contributions to the work reported in the manuscript, but who are not contributors, are named in the Acknowledgment and have given me/us their written permission to be named. If I/we do not include an Acknowledgment that means I/we have not received substantial contributions from non-contributors and no contributor has been omitted.
Mariano, J., Marques, S., Ramos, R. M., Gerardo, F., Lage da Cunha, C., Girenko, A., Alexandersson, J., Stree, B., Lamanna, M., Lorenzatto, M., Mikkelsen, P. L., Bundgård-Jørgensen, U., Rêgo, S., & Vries, H. “Too old for technology? Stereotype threat and technology use by older adults,” Behaviour & Information Technology, 2021.
Raymundo, T., & Santana, C. (2014). “Fear and the use of technological devices by older people,” Gerontechnology, Vol. 13 (2), 2014.
Giacomo, D. D., Ranieri, J., D’Amico, M., Guerra, F., & Passafiume, D., “Psychological barriers to digital living in older adults: computer anxiety as predictive mechanism for technophobia,” Behavioral Sciences, Vol. 9(9), pp. 96, 2019.
World Health Organization. “Men, ageing and health: achieving health across the life span,” World Health Organization, 2000. [Online]. Available: https://apps.who.int/iris/handle/10665/66941
Hirankasi, P., “Online banking services for the elderly in the digital era,” October 2020. [Online]. Available: https://www.krungsri.com/th/research/research-intelligence/ri-elders-20. [Accessed Sep. 20, 2021].
Maeroufi, F., Nouri, H., & Iman, Z. K., “Examination of the Role of Factors Influencing the Acceptance of E-banking,” Journal of Applied Sciences, Vol. 15(6), pp. 845-849, 2015.
Navavongsathian, A., VongchavalitkuL, B., & Limsarun, T., “Causal factors affecting mobile banking services acceptance by customers in Thailand,” The Journal of Asian Finance, Economics and Business, Vol. 7(11), pp. 421–428, November 2020.
Hughes, L., “Some Limits to Freedom,” Philosophical Investigations,” Vol. 15(4), pp. 329-345, 1992.
Rogers, E. M., “Diffusion of innovations. (3rd ed.),” New York: The Free Press, 1995.
Rogers, E. M., “Diffusion of Innovations. (5th ed.),” New York: Free Press A Division of Simon & Schuster, Inc, 2003.
Martin, M. H., “Factors influencing faculty adoption of Web-based courses in teacher education programs within the State University of New York,” Doctoral dissertation, Virginia Polytechnic Institute and State University, 2003.
Sahin, I., “Detailed review of rogers’ diffusion of innovations theory and educational technology-related studies based on rogers’ theory,” The Turkish Online Journal of Educational Technology, Vol. 5(2), 2006.
Davis, F., Bagozzi, R. P., & Warshaw, P. R. “User acceptance of computer technology: A comparison of two theoretical models,” Management Science, Vol. 35(8), pp. 982–1003, 1989.
Fishbein, M., & Ajzen, I., Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley, 1975.
Davis, F. “A technology acceptance model for empirically testing new end-user information systems: theory and results,” Unpublished Doctoral dissertation, MIT Sloan School of Management, 1985.
Choeykumhang, S. “What will a bank for the elderly look like in the future?”, November 2021. [Online]. Available: https://www.scb.co.th/th/personal-banking/stories/elder-banking.html. [Accessed Sep. 20, 2021].
Thasuwan, N., “Elderly Friendly User Interfaces in Sweden,” Veridian e-Journal, Silpakorn University, September-December, Vol. 11(3), 2018.