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<p>Information technology accelerates global economic development and enhances quality of life, playing a pivotal role in advancing the United Nations Sustainable Development Goals (SDGs). In particular, mobile banking applications (m-banking apps) contribute to digital financial inclusion, which is central to achieving SDG 1 (No Poverty), SDG 8 (Decent Work and Economic Growth), SDG 9 (Industry, Innovation and Infrastructure), and SDG 10 (Reduced Inequalities). Despite these potential benefits, sustained usage of m-banking services among vulnerable populations such as older adults remains limited, thereby constraining long-term developmental impact. Recognizing this gap, the current research investigates the antecedents influencing the continuance intention to use m-banking apps in the Bangladeshi context, focusing on older adults with prior usage experience. Utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) with a final valid sample of 160 older adults (aged 60&#xa0;years and above) residing in the Dhaka metropolitan area of Bangladesh, the analysis adopts an integrated framework combining elements from the Information Systems success model, Expectation Confirmation Model, and Unified Theory of Acceptance and Use of Technology, while incorporating trust and perceived risk. Additionally, income-based multi-group analysis is conducted to capture heterogeneity in digital financial inclusion outcomes. The empirical findings reveal that system quality, trust, and perceived risk significantly influence confirmation of m-banking usage. Multigroup analysis further indicates that information quality, system quality, and service quality differ significantly between lower- and higher-income groups, highlighting inequality in digital service experiences. By identifying the drivers of sustained m-banking usage among older adults, this study contributes to the sustainable development agenda by demonstrating how improving system quality, trust, and risk perceptions can enhance long-term digital financial inclusion. The findings offer actionable insights for financial institutions and policymakers aiming to design inclusive digital services that support equitable economic participation and advance progress toward the SDGs.</p>

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Investigating continuance intention to use m-banking apps among older adults using partial least squares modeling with income group differences

  • 期刊论文

  • 出版模式：

    开放获取

  • 发表日期：

    2026年7月18日

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  • Hamida Akhter,
  • Abu Naser Mohammad Saif,
  • Nusrat Jafrin,
  • Rasheda Akter Rupa,
  • Francesca Dal Mas,
  • Maurizio Massaro

摘要

Information technology accelerates global economic development and enhances quality of life, playing a pivotal role in advancing the United Nations Sustainable Development Goals (SDGs). In particular, mobile banking applications (m-banking apps) contribute to digital financial inclusion, which is central to achieving SDG 1 (No Poverty), SDG 8 (Decent Work and Economic Growth), SDG 9 (Industry, Innovation and Infrastructure), and SDG 10 (Reduced Inequalities). Despite these potential benefits, sustained usage of m-banking services among vulnerable populations such as older adults remains limited, thereby constraining long-term developmental impact. Recognizing this gap, the current research investigates the antecedents influencing the continuance intention to use m-banking apps in the Bangladeshi context, focusing on older adults with prior usage experience. Utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) with a final valid sample of 160 older adults (aged 60 years and above) residing in the Dhaka metropolitan area of Bangladesh, the analysis adopts an integrated framework combining elements from the Information Systems success model, Expectation Confirmation Model, and Unified Theory of Acceptance and Use of Technology, while incorporating trust and perceived risk. Additionally, income-based multi-group analysis is conducted to capture heterogeneity in digital financial inclusion outcomes. The empirical findings reveal that system quality, trust, and perceived risk significantly influence confirmation of m-banking usage. Multigroup analysis further indicates that information quality, system quality, and service quality differ significantly between lower- and higher-income groups, highlighting inequality in digital service experiences. By identifying the drivers of sustained m-banking usage among older adults, this study contributes to the sustainable development agenda by demonstrating how improving system quality, trust, and risk perceptions can enhance long-term digital financial inclusion. The findings offer actionable insights for financial institutions and policymakers aiming to design inclusive digital services that support equitable economic participation and advance progress toward the SDGs.