Linking individual demographics to antecedents of mobile banking usage: Evidence from developing countries in southeast Europe

Abstract

This study investigates the linkages between the antecedents of the extended unified theory of acceptance and use of technology (UTAUT2) model and an individual demographics in four developing countries in Southeast Europe. Three unexplored linkages are introduced, such as employment status, living settlement and financial experience. The article applies the partial least square and non-parametric methods to examine the proposed associations from a dataset of 959 individuals. Evidence reveals that those individuals who are employed, live in urban areas, and have financial experience scored higher in the UTAUT2 constructs. The article suggests the inclusion of additional moderating factors into the UTAUT2 model, which gives a better understanding of the individuals’ technology adaption to scholars and practitioners. © 2021 International Management Institute, New Delhi.