Factors Affecting Internet Banking Usage of Baby Boomers, Generation X and Generation Y in Thailand
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Abstract
This study investigates factors influencing internet usage of Baby Boomers, Generation X, and Generation Y. Using the Unified Theory of Acceptance and Use of Technology (UTAUT), this study examines the difference of such factors among three generations. The UTAUT model consists of four independent variables, which are performance expectancy, effort expectancy, social influence, and facilitating conditions, as well as one dependent variable, which is internet banking usage.
The sample consists of three groups of internet banking users, which are Baby Boomers (100), Generation X (150), and Generation Y (150). Descriptive statistics and regression analysis are used in the analysis.
The results reveal that factors influencing internet usage are different among three generations. In fact, performance expectancy is the only factor that influences internet banking usage of all three generations. Specifically, two factors influencing internet banking usage of Baby Boomers are performance expectancy and social influence. However, for Generation X, three factors influencing their internet banking usage are performance expectancy, effort expectancy, and social influence. In addition, two factors influencing internet banking usage of Generation Y are performance expectancy and facilitating conditions.
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