---
_id: '4376'
abstract:
- lang: eng
  text: This paper analyzes the requirements of users of different generations with
    regard to future e-banking systems. An empirical study was conducted to verify
    six previously formulated hypotheses. The results show that the acceptance of
    such systems highly depends on factors such as age, gender and general technical
    affinity. It turned out that most of the older people are not yet willing to use
    such systems at all – independent of specific system characteristics. Additionally,
    it is more likely that men will use smart banking systems than women and that
    technical affinity has a positive influence on the general usage intention.
author:
- first_name: Carsten
  full_name: Röcker, Carsten
  id: '61525'
  last_name: Röcker
- first_name: Daniel
  full_name: Kaulen, Daniel
  last_name: Kaulen
citation:
  ama: 'Röcker C, Kaulen D. Smart Banking: User Characteristics and Their Effects
    on the Usage of Emerging Banking Applications. <i>International Journal of Virtual
    Worlds and Human Computer Interaction</i>. 2014;2(1):83-91. doi:<a href="https://doi.org/10.11159/vwhci.2014.009">10.11159/vwhci.2014.009</a>'
  apa: 'Röcker, C., &#38; Kaulen, D. (2014). Smart Banking: User Characteristics and
    Their Effects on the Usage of Emerging Banking Applications. <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i>, <i>2</i>(1), 83–91.
    <a href="https://doi.org/10.11159/vwhci.2014.009">https://doi.org/10.11159/vwhci.2014.009</a>'
  bjps: '<b>Röcker C and Kaulen D</b> (2014) Smart Banking: User Characteristics and
    Their Effects on the Usage of Emerging Banking Applications. <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i> <b>2</b>, 83–91.'
  chicago: 'Röcker, Carsten, and Daniel Kaulen. “Smart Banking: User Characteristics
    and Their Effects on the Usage of Emerging Banking Applications.” <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i> 2, no. 1 (2014):
    83–91. <a href="https://doi.org/10.11159/vwhci.2014.009">https://doi.org/10.11159/vwhci.2014.009</a>.'
  chicago-de: 'Röcker, Carsten und Daniel Kaulen. 2014. Smart Banking: User Characteristics
    and Their Effects on the Usage of Emerging Banking Applications. <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i> 2, Nr. 1: 83–91.
    doi:<a href="https://doi.org/10.11159/vwhci.2014.009,">10.11159/vwhci.2014.009,</a>
    .'
  din1505-2-1: '<span style="font-variant:small-caps;">Röcker, Carsten</span> ; <span
    style="font-variant:small-caps;">Kaulen, Daniel</span>: Smart Banking: User Characteristics
    and Their Effects on the Usage of Emerging Banking Applications. In: <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i> Bd. 2. Orléans, ON,
    Avestia Publishing, International ASET Inc. (2014), Nr. 1, S. 83–91'
  havard: 'C. Röcker, D. Kaulen, Smart Banking: User Characteristics and Their Effects
    on the Usage of Emerging Banking Applications, International Journal of Virtual
    Worlds and Human Computer Interaction. 2 (2014) 83–91.'
  ieee: 'C. Röcker and D. Kaulen, “Smart Banking: User Characteristics and Their Effects
    on the Usage of Emerging Banking Applications,” <i>International Journal of Virtual
    Worlds and Human Computer Interaction</i>, vol. 2, no. 1, pp. 83–91, 2014.'
  mla: 'Röcker, Carsten, and Daniel Kaulen. “Smart Banking: User Characteristics and
    Their Effects on the Usage of Emerging Banking Applications.” <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i>, vol. 2, no. 1, Avestia
    Publishing, International ASET Inc., 2014, pp. 83–91, doi:<a href="https://doi.org/10.11159/vwhci.2014.009">10.11159/vwhci.2014.009</a>.'
  short: C. Röcker, D. Kaulen, International Journal of Virtual Worlds and Human Computer
    Interaction 2 (2014) 83–91.
  ufg: '<b>Röcker, Carsten/Kaulen, Daniel (2014)</b>: Smart Banking: User Characteristics
    and Their Effects on the Usage of Emerging Banking Applications, in: <i>International
    Journal of Virtual Worlds and Human Computer Interaction</i> <i>2</i> (<i>1</i>),
    S. 83–91.'
  van: 'Röcker C, Kaulen D. Smart Banking: User Characteristics and Their Effects
    on the Usage of Emerging Banking Applications. International Journal of Virtual
    Worlds and Human Computer Interaction. 2014;2(1):83–91.'
date_created: 2021-01-14T10:13:25Z
date_updated: 2023-03-15T13:49:52Z
department:
- _id: DEP5023
doi: 10.11159/vwhci.2014.009
extern: '1'
intvolume: '         2'
issue: '1'
keyword:
- Smart Banking
- User Study
- Technology Acceptance
- Design Requirements.
language:
- iso: eng
main_file_link:
- open_access: '1'
oa: '1'
page: 83 - 91
place: Orléans, ON
publication: International Journal of Virtual Worlds and Human Computer Interaction
publication_identifier:
  eissn:
  - 2368-6103
publication_status: published
publisher: Avestia Publishing, International ASET Inc.
status: public
title: 'Smart Banking: User Characteristics and Their Effects on the Usage of Emerging
  Banking Applications'
type: journal_article
user_id: '15514'
volume: 2
year: 2014
...