A Study of the Technology Readiness Behavior among Elderly Users of E-Banking Services: A Reflection on the Public Sector Banks of Egypt | ||
| المجلة العلمية للدراسات التجارية والبيئية | ||
| Article 24, Volume 15, Issue 4, October 2024, Pages 1023-1072 PDF (575.87 K) | ||
| Document Type: المقالة الأصلية | ||
| DOI: 10.21608/jces.2024.410050 | ||
| Authors | ||
| Marwa Mahmoud Ibrahim* 1; Rasha I. Nasr* 2; Zeinab Younis* 3 | ||
| 1Assistant Professor of Marketing, Faculty of Business, Economics and Political Science The British University in Egypt (BUE) Cairo, Egypt | ||
| 2Assistant Professor of Operations Management, Faculty of Business, Ain Shams University, Cairo, Egypt. And Faculty of Business, Economics and Political Science The British University in Egypt (BUE) Cairo, Egypt | ||
| 3Associate Professor of Public Administration, Faculty of Business, Economics and Political Science The British University in Egypt (BUE) Cairo, Egypt | ||
| Abstract | ||
| As the Egyptian banking sector undergoes digital transformation, understanding the factors influencing the adoption of e-banking services among elderly users becomes imperative. This paper investigates the relationship between technology readiness compromising perceived ease of use, perceived usefulness, and perceived risk and the usage of e-banking services among elderly users in Egypt. Moreover, a conceptual model arguing for the relationship between the current paper variables is developed. As well as a qualitative approach was also applied, drawing on a sample of 30 elderly e-banking users, data was collected through in-depth interviews assessing technology readiness dimensions and e-banking service usage. The Research sample was planned to be derived from greater Cairo residents. The research sample is a non-probability Judgmental sample drawn from elderly users of Egyptian E-Banking Services aging (60 +). The sample also included the largest two public Egyptian Banks according to their market share in pension systems. On the academic level, this paper paves the way for further future research about elderly behavior and its relationship to technology acceptance and elaborates on the scarcity of theoretical conceptual frameworks in this area. On the practical level of application, the current paper aims to provide valuable insights for banks and policymakers seeking to enhance the public sector e-banking accessibility and usability for elderly users in Egypt, ultimately fostering financial inclusion and digital empowerment aligning with the 2030 strategy. The findings revealed that Technology Readiness significantly affects E-banking service usage as most of the respondents highlighted internet connectivity and convenience as their main concerns. Furthermore, the respondents were found to trust the level of protection for the use of internet platforms and the safety of their personal data usage which confirms the effect of the perceived risk on the E-banking services usage. The overall findings concluded that elderly respondents usually face many health problems that make E-banking services more logical and convenient for mobility. However, they also face some challenges like memorizing the passwords or the process steps to handle their bank accounts on their own which results in asking for help from their family members. Accordingly, this paper suggests some empirical solutions for supporting elderly users and for enhancing the e-banking provided services. | ||
| Keywords | ||
| Technology Readiness; E-Banking Services- - perceived ease of use- perceived usefulness - perceived risk; discomfort - insecurity | ||
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