Consumer Resistance to Mobile Banking Services: Do Gender Differences Exist?

摘要

Consumers still experience significant challenges that hinder the adoption of technological innovations. In this study, we draw on three theory-driven barriers to investigate variation in consumer resistance to mobile banking services. Data was collected from 252 consumers in Nigeria. Preliminary findings from the independent t-test suggest that no significant gender differences exist across usage, risk, and image barriers for our sample. We contribute to academic literature by exploring which barriers contribute to the gender gap that has been observed in mobile banking adoption.