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1 – 4 of 4Saleem Alhabash, Mengtian Jiang, Brandon Brooks, Nora J. Rifon, Robert LaRose and Shelia R. Cotten
The study examines how two types of trust – institutional and system trust – predict online banking intentions (OBI) as a function of generational cohort membership.
Abstract
Purpose
The study examines how two types of trust – institutional and system trust – predict online banking intentions (OBI) as a function of generational cohort membership.
Methodology/approach
The study uses a cross-sectional survey of 559 U.S. Amazon Mechanical Turk (MTurk) members using quota sampling from three generational groups: SGI (born before 1946), older boomer (born 1946–1954), and millennial (born 1977–1992).
Findings
Results showed generational cohort differences in system and institutional trust as well as OBI. Serial mediation model results showed the model where institutional trust precedes system trust best explains the relationship between generational cohort membership and OBI.
Research limitations
While diverse, the sample comprised of MTurk workers and relied on self-report measures of behavioral intentions, thus limiting the generalizability of our findings.
Implications
This study introduces two levels of e-trust into the technology acceptance literature and provides a guideline for financial institutions and system designers to understand the role of trust in driving online service adoption and use for different generations.
Originality/value
This study explores generational differences in technology use with special focus on older adults, which is yet to be fully explored in the literature. This study differentiates between two levels of e-trust and explores the order in which both trust types mediate the relationship between generational cohort membership and OBI.
Details