Influence factors in adoption of internet banking by best age clients

The main objective of this research is to investigate the old customer behavior in relation to the adoption of Internet Banking. Based on the theoretical model of adoption of Internet Banking by non-users, proposed by Hernandez and Mazzon (2008), we intend to adapt and analyze the adherence of the model in the old customer segment, unlike the authors who analyzed the structural model in a wide context. For this, we seek support in the literature in order to propose a specific model, which measures the relationship of the constructs: relative advantage, observability, demonstrability, ease of use, testing, image, subjective norms, lifestyle and perceived behavioral control. To that end, we conducted a survey with 300 bank account holders, all of them over 55 years old, and who have not experienced the use of Internet Banking. The model was tested through structural equation modeling. The results showed that the model had grip the sample surveyed, in the total of nine hypotheses tested five were accepted and 4 discarded. For the sample, the lifestyle was the construct with the highest impact on behavioral intention and the lowest was the relative advantage.