Smart Banking: User Characteristics and Their Effects on the Usage of Emerging Banking Applications

This paper analyzes the requirements of users of different generations with regard to future e-banking systems. An empirical study was conducted to verify six previously formulated hypotheses. The results show that the acceptance of such systems highly depends on factors such as age, gender and general technical affinity. It turned out that most of the older people are not yet willing to use such systems at all – independent of specific system characteristics. Additionally, it is more likely that men will use smart banking systems than women and that technical affinity has a positive influence on the general usage intention.