Behavior and Technology Acceptance on Mobile Banking Services of Generation X Users in Bangkae District in Bangkok

Abstract

The Objectives of this research were 1) to study about customer’s behavior of using on
mobile banking 2) to study the acceptance of technology using mobile banking and 3) to study the problems and barriers for technology using mobile banking acceptation of Generation X users in
Bangkae, Bangkok. This research using questionnaire with the sample group of mobile banking (Krungthai
Next) and belong to Generation X 400 users in Bangkae, Bangkok. The data were analyzed using
statistics, percentage, standard deviation, and 10 interviewees of mobile banking customers (Krungthai
Next) who are Generation X users in Bangkae, Bangkok. Data obtained were then analyzed to generate
conclusions and to present results of this study in the descriptive form.
This research found that the most of the samples were female, aged between 39-42 years
old, bachelor degree education, married status, private employee and has an income of 10,001 - 20,000
bath per month. The most of customer’s behavior of using mobile banking that related with money
transfers, 1-3 times per week, amount 1,001 - 3,000 bath per time, advised by the bank staff, the
convenience that can be used anywhere and anytime is the reason for using mobile banking.
The perceived usefulness about the acceptance of technology for using mobile banking that is the
highest level, attitude towards using, and perceived ease of use. For the problems and barriers for
technology using mobile banking acceptation and the perceived benefits for using mobile banking, is
a perceived ease of use in use regarding screen display and complex operating systems, Including the
attitude of use regarding concerns in the safety and stability of the system.