University of Hertfordshire

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Original languageEnglish
Pages (from-to)449-465
Number of pages17
JournalJournal of Business Research
Early online date3 Feb 2018
Publication statusPublished - 1 Jul 2018


Mobile banking has become increasingly important to society; however, not all members of society adopt and/or
use it as much as others: older adults, the disabled and lower-income families remain behind in their use and
adoption of this service. This finding helped us recognise a research gap and led us to form our primary aim: to
understand and explain the factors that influence the adoption, use and diffusion of mobile banking among one
of those groups in particular, older adults, in the UK. To form a theoretical understanding, this paper presents a
comprehensive review of the surrounding literature in the area and proposes a conceptual framework that can be
used for future research. The implications of this research for academia and businesses are also provided in this


This document is the Accepted Manuscript version of the following article: Jyoti Choudrie, Chike-Obuekwe Junio, Brad McKenna, and Shahper Richter, ‘Understanding and conceptualising the adoption, use and diffusion of mobile banking in older adults: A research agenda and conceptual framework’, Journal of Business Research, Vol. 88: 449-465, July 2018. Under embargo until 3 August 2019. The final, definitive version is available online at:

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