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The Moderating Roles of Income and Age in Mobile Commerce Application

Mobile commerce is becoming a major aspect of our human endeavors with the advancements in wireless technology and services. This article examines key factors that influence mobile commerce adoption, and the moderating roles of age and income. The conceptual framework is underpinned on an extended technology acceptance model. The survey data was collected from participants selected from Malaysia. The analysis was based on 260 valid responses, and the findings reveal that age and income moderate perceptions on behavioral intention to adopt mobile commerce. Different age groups exhibit different perceptions. Further, cost and social influence become more important as age increases, while perceived usefulness becomes more significant as age decreases. In addition, perceived usefulness emerges as the most important factor for participants earning low income, and social influence is the most important factor for participants earning high income. Surprisingly, high-income earners indicate that cost is an important factor. The contributions to research and practice including suggestions for future studies are discussed.