Although planning for retirement is fundamental for consumers’ future well-being, individuals often fail to engage with it. Retirement engagement refers to one's initial interest in and active planning for one's retirement. In this study, we focus on mobile technology-enabled retirement engagement, operationalized as consumers’ perception of how a retirement app can help them plan for retirement. While rapid advances in digital platforms and mobile technology show promising use to the financial services sector, little is known about the adoption drivers of mobile technology in stimulating retirement engagement as a unique low-involvement, yet high-importance context. We address this gap in the existing literature by analyzing survey data from a representative sample of 440 Australian pension fund members. We find that consumers’ financial self-efficacy, perceived financial security, consideration of future consequences, retirement planning involvement, and perceived usefulness have direct effects on their anticipated engagement with a mobile retirement app as well as indirect effects through their intention to adopt the app (financial self-efficacy and consideration of future consequences only have direct effects). We also find that mobile computing self-efficacy, prior finance app use, and perceived ease of use only have indirect effects through consumers’ intention to adopt the app. Notably, the association between adoption intentions and anticipated engagement is stronger for those closer to retirement.

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哪些消费者更有可能采用退休应用程序？它如何解释移动技术支持的退休参与？

尽管退休计划是消费者未来福祉的基础，但个人往往无法参与其中。退休参与是指一个人对退休的最初兴趣和积极计划。在这项研究中，我们专注于移动技术支持的退休参与，作为消费者对退休应用程序如何帮助他们计划退休的看法而运作。虽然数字平台和移动技术的快速发展显示出对金融服务部门的巨大应用前景，但人们对移动技术在刺激退休参与方面的推动力知之甚少，因为这是一种独特的低参与度但高重要性的背景。我们通过分析来自 440 名澳大利亚养老基金成员的代表性样本的调查数据来解决现有文献中的这一差距。我们发现，消费者的财务自我效能感、感知到的财务安全性、对未来后果的考虑、退休计划参与和感知有用性对他们对移动退休应用程序的预期参与有直接影响，并通过他们采用该应用程序的意图产生间接影响（财务自我效能和对未来后果的考虑仅具有直接影响）。我们还发现，移动计算的自我效能感、以前的金融应用程序使用情况和感知易用性仅通过消费者采用应用程序的意图产生间接影响。值得注意的是，对于那些接近退休的人来说，收养意图和预期参与之间的关联更强。和感知有用性对他们对移动退休应用程序的预期参与有直接影响，并通过他们采用该应用程序的意图产生间接影响（财务自我效能和对未来后果的考虑仅具有直接影响）。我们还发现，移动计算的自我效能感、以前的金融应用程序使用情况和感知易用性仅通过消费者采用应用程序的意图产生间接影响。值得注意的是，对于那些接近退休的人来说，收养意图和预期参与之间的关联更强。和感知有用性对他们对移动退休应用程序的预期参与有直接影响，并通过他们采用该应用程序的意图产生间接影响（财务自我效能和对未来后果的考虑仅具有直接影响）。我们还发现，移动计算的自我效能感、以前的金融应用程序使用情况和感知易用性仅通过消费者采用应用程序的意图产生间接影响。值得注意的是，对于那些接近退休的人来说，收养意图和预期参与之间的关联更强。以前的金融应用程序使用和感知易用性仅通过消费者采用该应用程序的意图产生间接影响。值得注意的是，对于那些接近退休的人来说，收养意图和预期参与之间的关联更强。以前的金融应用程序使用和感知易用性仅通过消费者采用该应用程序的意图产生间接影响。值得注意的是，对于那些接近退休的人来说，收养意图和预期参与之间的关联更强。