The purpose of this paper is to examine the factors that influence the attitude and behavioral intention towards mobile wallet adoption and to examine the moderating effect of gender and age between antecedents of mobile wallet adoption and user attitude and intention.,Based on the literature review, certain themes around mobile wallet adoption were generated around which inputs were sought through two focus group discussions, first of which comprised working executives and second comprised students. A sample of 744 users of mobile wallet provided their awareness on mobile wallets, various mobile wallet services used and perception on ease of use, usefulness, trust, security, facilitating conditions and lifestyle compatibility (LC). To examine the moderating effect of gender and age, two methods, namely, Henseler’s partial least squares-multi group analysis (PLS-MGA), a non-parametric approach, and PLS-MGA, parametric approach, are used. The data was analyzed using partial least square-structural equation modeling.,The ease of use, usefulness, trust, security, facilitating conditions and LC significantly influence user attitude and intention. The results show that both gender and age moderate the relationship between select antecedents and attitude and intention and the influence is seen more for males and young users.,The sample comprises students and professionals from metros and large cities; hence, the generalizability of the results to the population at large may be limited. This study only examines the moderating role of age and gender. Future studies may include other demographic variables such as education, income, occupation, experience and household size.,The findings help mobile wallet service providers understand the relevance and influence of various antecedent variables on the attitude and intention to adopt technology. This will help to plan and prioritize attributes for marketing purposes to increase the adoption and usage rates. Moreover, managers should plan strategies to enhance confidence among females and old age customers.,The proposed model both investigates the impact of antecedents on user attitude and intention and examines the moderating effect of select demographic variables. There are few empirical studies on the moderating effect of gender and age in the context of mobile wallets in India.

中文翻译：

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性别和年龄在采用手机钱包中的调节作用

本文旨在研究影响对采用手机钱包的态度和行为意图的因素，并研究性别和年龄对手机钱包采用的先行因素与用户态度和意愿之间的调节作用。围绕移动钱包采用的某些主题产生了，围绕这两个主题，通过两次焦点小组讨论寻求了投入，其中一个是工作主管，另一个是学生。744个移动钱包用户的样本提供了他们对移动钱包的认识，使用的各种移动钱包服务以及对易用性，有用性，信任性，安全性，便利条件和生活方式兼容性（LC）的感知。要研究性别和年龄的调节作用，有两种方法，即 使用了Henseler的偏最小二乘多组分析（PLS-MGA）（一种非参数方法）和PLS-MGA（一种参数方法）。使用偏最小二乘结构方程模型对数据进行了分析。易用性，有用性，信任度，安全性，便利条件和信用证显着影响用户的态度和意图。结果表明，性别和年龄均能缓和某些先行者与态度和意愿之间的关系，男性和青年用户的影响更大。因此，结果对大众的普遍性可能受到限制。本研究仅考察年龄和性别的调节作用。未来的研究可能会包括其他人口统计变量，例如教育程度，收入，职业，经验和家庭规模：这些发现有助于移动钱包服务提供商了解各种先行变量对采用技术的态度和意图的相关性和影响。这将有助于针对营销目的规划属性并确定优先级，以提高采用率和使用率。此外，管理者应制定策略以增强女性和老年顾客的信心，该模型既研究了前辈对用户态度和意愿的影响，也研究了选定的人口统计学变量的调节作用。在印度，很少有关于性别和年龄调节作用的实证研究。这些发现有助于移动钱包服务提供商了解各种先前变量对采用技术的态度和意图的相关性和影响。这将有助于针对营销目的规划属性并确定优先级，以提高采用率和使用率。此外，管理者应制定策略以增强女性和老年顾客的信心，该模型既研究了前辈对用户态度和意愿的影响，也研究了选定的人口统计学变量的调节作用。在印度，关于移动钱包的性别和年龄调节作用的实证研究很少。这些发现有助于移动钱包服务提供商了解各种先前变量对采用技术的态度和意图的相关性和影响。这将有助于针对营销目的规划属性并确定优先级，以提高采用率和使用率。此外，管理者应制定策略以增强女性和老年顾客的信心，该模型既研究了前辈对用户态度和意愿的影响，也研究了选择的人口统计学变量的调节作用。在印度，很少有关于性别和年龄调节作用的实证研究。管理者应制定策略以增强女性和老年顾客之间的信任。拟议的模型既调查了前辈对用户态度和意愿的影响，又研究了选定的人口统计学变量的调节作用。在印度，很少有关于性别和年龄调节作用的实证研究。管理者应制定策略以增强女性和老年顾客之间的信任。拟议的模型既调查了前辈对用户态度和意愿的影响，又研究了选定的人口统计学变量的调节作用。在印度，很少有关于性别和年龄调节作用的实证研究。