OBSTACLE FACTORS THAT HINDER THE ADOPTION OF MOBILE PAYMENTS AMONG THE THAI ELDERLY
Keywords:Payment system acceptance, innovation resistance, mobile phone device
The objectives of this research were to study 1) the adoption of mobile payments among the elderly when classified by personal factors; and 2) factors that hinder the adoption of mobile payments among the Thai elderly. The researcher used a convenient sample selection method. Data was collected from 570 Thai elderly people. Questionnaires were used as the research instruments and passed the content validity test and the reliability test. The statistics used in the data analysis consisted of percentage, mean, standard deviation, t-test, one-way analysis of variance, model analysis, and multiple indicators through the analysis of structural equations model (SEM). The research results showed that 1) the adoption of mobile payments among the elderly. The findings show that: 1) different genders of the elderly have statistically significant effects on mobile payment adoption at the .05 level; and 2) barriers to using mobile payments are related to the payment system via mobile.
Because the elderly has two primary impediments to embracing mobile payments: usage barriers and value barriers; therefore, research implications indicate that entrepreneurs should build trust in using mobile payment systems as well as simplify functions to manipulate more usage.
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