Exploring gender differences in Islamic mobile banking acceptance

Abstract

Understanding how genders differ in their acceptance patterns is a critical factor for successful market segmentation. Using a modified technology acceptance model with 105 participants from Malaysia, this paper examines how gender differences influence the adoption of Islamic mobile banking among Muslims in Malaysia. By means of a structural equation model based on the partial least squares technique, this study reveals two different and interesting models that influence the acceptance of Islamic mobile banking. Male Muslims favour status and values orientations, so their acceptance of Islamic mobile banking was significantly influenced by the perceived self-expressiveness. Female Muslims on the other hand, prefer social and utilitarian orientations, thus their acceptance of Islamic mobile banking was significantly influenced by perceived usefulness and social norms. The results of this survey should be interpreted as speculative and should not be relied upon as an accurate depiction of behavior in the surveyed communities.