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Gender Difference in the Perceived Risk and Perceived Benefits of Mobile Financial Services and Financial Capability
Short Abstract
There is a braod evidence of gender difference in the overall process of financial decision-making and financial capability. Also, gender difference in the use of a new technology has been confirmed. As more consumers using their mobile service for financial management continue to rise, it might be associated with a level of financial capability. This study is purposed to exam how gender difference in the perceived risk and perceived benefit of using mobile financial services impacts a level of financial capability. The data for the study was collected through an online survey company in October 2012. The number of respodents who completed the survey was 1,084 with a total of 514 (47.7%) male and 562 (51.6%) female. It was found that there is a gender difference in the use of mobile technology (t=-2.95, p<.01) and three domains of financial capability; money management (t=-6.02, p<.000), making financial choices (t=-4.37, p<.000), and staying infomed about financial issues (t=-3.02, p<.01). Perceived risks and beneifts were statistically significant in explaining gender difference and financial capability.