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 paper.

This paper aims to explore and understand the digital divide in older adults when accepting and using smart devices within an organization. Using an in-depth single case study, the digital divide is explored and understood using technology-mediated learning for older adults when using smart devices; ie. tablet devices. The case study is based on a group of educated, older Indian adult volunteers at a local Punjabi radio station. A qualitative approach used the data collection techniques of interviews, observations, informal conversations and reference to archival documents and interpretivism for analysis. Our findings revealed that older adults with ailments have shorter lives, contrary to popular perception, can be very active in their communities, are able to use basic IT and are willing to use technology when it leads to significant tangible or intangible benefits without considering the remaining time of their lives. Contributions for policymakers and industry are also offered in this paper.