Understanding and conceptualising the adoption, use and diffusion of mobile banking in older adults: : A research agenda and conceptual framework

Abstract

This document is the Accepted Manuscript version of the following article: Jyoti Choudrie, Chike-Obuekwe Junio, Brad McKenna, and Shahper Richter, ‘Understanding and conceptualising the adoption, use and diffusion of mobile banking in older adults: A research agenda and conceptual framework’, Journal of Business Research, Vol. 88: 449-465, July 2018. Under embargo until 3 August 2019. The final, definitive version is available online at: https://doi.org/10.1016/j.jbusres.2017.11.029Mobile banking has become increasingly important to society; however, not all members of society adopt and/or use it as much as others: older adults, the disabled and lower-income families remain behind in their use and adoption of this service. This finding helped us recognise a research gap and led us to form our primary aim: to understand and explain the factors that influence the adoption, use and diffusion of mobile banking among one of those groups in particular, older adults, in the UK. To form a theoretical understanding, this paper presents a comprehensive review of the surrounding literature in the area and proposes a conceptual framework that can be used for future research. The implications of this research for academia and businesses are also provided in this paper.Peer reviewe