Do (how) digital natives adopt a new technology differently than digital immigrants? A longitudinal study

Kesharwani, Ankit

doi:10.1016/j.im.2019.103170

Cited by 118 publications

(103 citation statements)

References 57 publications

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“…Certain socio-economic factors such as age, income and the area in which the consumer lives also affect the digitalization process (e.g. Kesharwani, 2019;Laukkanen, 2016;Luo et al, 2010;Ver ıssimo, 2016).…”

Section: Discussionmentioning

confidence: 99%

“…In a similar vein, Laukkanen, () has shown that both age and gender are significant predictors of the adoption of digital banking. Relatedly, Kesharwani, () has shown that differences exist between digital natives and digital immigrants with respect to the use of technology. Furthermore, income (Veríssimo, ) and the area in which the consumer lives affect the digitalization process (Xue et al, ).…”

Section: The Era Of Financial Digitalization: the Digital Bank Customermentioning

confidence: 99%

“…However, if these digital services are perceived as costly (Gerrard et al, ) and complex (Mallat, ; Sathye, ), customers may decide not to use them. Socio‐economic factors such as age (Estrella‐Ramon et al, ; Kesharwani, ; Laforet and Li, ; Luo et al, ), income (Veríssimo, ) and geographic location (Xue et al, ) also play a role in the digitalization process.…”

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confidence: 99%

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The Effect of Banks' IT Investments on the Digitalization of their Customers

2020

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Banks all over the world are investing in new banking technologies at a time when bank customers are progressively going digital in several dimensions of their economic and social interactions. Together with their existing perceptions of digital services, new banking technologies may path the way to accelerate the digitalization of bank customers, thereby achieving private and social efficiency gains. This paper exploits the fact that banks' IT investments are mostly allocated to digital technologies to examine if such investments affect the digitalization of bank customers. The results show that banks' IT investments have a significant positive impact on the adoption of financial digitalization by customers. Banks' IT investments also increase the likelihood that bank customers undertake their financial transactions through digital channels rather than in the physical branch. This represents a change in the relationship banking channel. These findings shed light on the impact of banks' IT investments on end-users and not just on bank productivity and efficiency. Policy Implications• Regulators should consider the impact of banks' technological advances on financial digitalization. In the new digital financial era, which is driven by new banking technologies, regulators should be aware of the potential impact of technological changes driven by the banking industry.• Enhancers of technological transformations at companiesin both banking and other sectorsshould consider the impact of these changes on end-users and not on just on firm efficiency.• Since banks' IT investments in new technologies affect customers' digitalization, financial authorities should adopt policies that foster digitalization but also guarantee the highest level of security by protecting consumers from privacy violations and digital fraud.• The positive externalities of banks' investments in technology should prompt public authorities to consider classifying the amount spent as an investment rather than an expense, which would foster these technological investments and allow banks to free up capital.Over the past two decades, technological innovations have transformed individuals' lives and the economy. New terms, such as 'the technological revolution' and 'the new economy', have been coined in order to capture how innovations have given rise to new services, new job definitions and new managerial functions across various economic sectors. These innovations have occurred as a result of breakthrough technologies, such as artificial intelligence and blockchain, and also of incremental technologies, such as the diffusion and increased accessibility of digital channels. This process Global Policy (2020) 11:Suppl.1

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Section: Discussionmentioning

confidence: 99%

Section: The Era Of Financial Digitalization: the Digital Bank Customermentioning

confidence: 99%

mentioning

confidence: 99%

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The Effect of Banks' IT Investments on the Digitalization of their Customers

2020

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“…The name digital natives was proposed by Prensky [18], who described these individuals as "native speakers of the digital language, computers, video games, and the Internet". Digital natives encountered the digital technology in the early stages of their lives [19], and, as a result, the current generation of students have brought about significant changes in the learning environment [20]. Digital natives can learn at high speeds, since they are used to receiving information quickly [18,20].…”

Section: Experiential Learning Approaches and Digital Nativesmentioning

confidence: 99%

Introducing ERP Concepts to IT Students Using an Experiential Learning Approach with an Emphasis on Reflection

Beranič

Heričko

2019

Sustainability

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The introduction of enterprise resource planning (ERP) concepts to IT students entails many challenges. Due to the system’s complexity, newcomers need an extensive amount of time to be able to use it independently. Additionally, the learning preferences and characteristics of digital natives differ significantly from previous generations. Therefore, the use of alternative learning approaches is desirable. To achieve the best possible learning outcomes, it is advisable to implement learning approaches that require students’ active participation, for example, an experiential learning approach. A variation is an ERPsim business simulation game, which we used within the ERP systems course. The game is implemented in sequential rounds, whereby each round ends with a review of the collected experiences. The simulation game was used at the beginning of the course to ease the introduction of ERP concepts for IT-related students. This paper is the result of three years of research into the perceived usability of SAP ERP introduced with the business simulation game, combined with the results of a study evaluating students’ opinions, knowledge, and skills. Perceived usability was measured using a System Usability Scale (SUS), while the students’ experiences were gathered using a self-evaluation questionnaire. The study revealed the positive impact of the experiential learning approach that was used. Students evaluated the usability of SAP ERP as OK, and empirical analysis confirmed that the use of the simulation game for introducing the ERP concepts resulted in anticipated knowledge and skills, while increasing the students’ intent for future engagement.

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“…Several studies have argued for a need to understand digitised individuals, the drivers of the digitisation of individuals and the consequences of this digitisation, because technologies aimed at the digitisation of individuals have unique features that distinguish them from commonly examined business technologies, or that are insufficiently highlighted and understood in studies of non‐work technologies (Matt, Trenz, et al, 2019; Turel et al, 2019). These characteristics include: (1) the creation of new application domains (e.g., Internet connectivity in any home device that has not been IT‐infused before, see Yashiro, Kobayashi, Koshizuka, & Sakamura, 2013), (2) ubiquitous use, including even embedding IT into human bodies and creating cybernetic organisms, or ‘cyborgs’ (Pelegrín‐Borondo, Arias‐Oliva, Murata, & Souto‐Romero, 2020), (3) user volition in defining technology use settings and portfolios (Liu, Santhanam, & Webster, 2017), (4) a change in user landscape that reflects a shift from digital immigrants to digital natives, and the increased acceptance of digital technologies by digital immigrants (Kesharwani, 2020), (5) self‐determined approaches to usage, and self‐learning necessity (Huang, Backman, Backman, McGuire, & Moore, 2019), (6) globalised markets with little and some may say impossible regulation of user and consumer protections (Tanczer, Brass, Elsden, Carr, & Blackstock, 2019) and (7) broad effects, negative, positive and ambivalent, that can relate to usage and non‐usage of an IT, and that can last long after the IT use has been discontinued.…”

Section: The Rise Of the Digitised Individual: Contextual Specificitiesmentioning

confidence: 99%

An intertwined perspective on technology and digitised individuals: Linkages, needs and outcomes

Turel

Matt

Trenz

et al. 2020

Information Systems Journal

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Information technology (IT) has changed dramatically over the last several decades. Although, in its early days IT has been mostly used as a tool for conducting business or running complex governmental and organisational operations, it has shifted to also become a productivity and hedonic tool for individual users (Matt, Trenz, Cheung, & Turel, 2019). Readers can reflect on how many technologies surround them now, as they read this article. These can include a range of mixed-use technologies that cater to both hedonic and utilitarian objectives. Examples include, but are not limited to, the device through which this article is read (desktop, laptop, tablet, or smartphone), a smart TV, smart kitchen appliances, smart watches, wearable fitness trackers, and connected or autonomous cars that drive the readers whilst they listen to a text-to-voice generated version of this article. These changes in the technological landscape have presumably been supported by technological advancements that have made technology more connected and affordable than before, smaller, yet broader in its capabilities, beyond merely being job-or leisure-oriented (Turel et al., 2019). Since many of these technologies are used exclusively in leisure or non-work settings, or in both work and non-work (including leisure) settings, they have created what we call digitised individuals, defined as users who use at least one digital technology in their non-work life domains. 1 Note that digitised individuals have existed since the dawn of personal computers, but we see major growth in the last decade with the vast penetration of smartphones, social media and personal lifestyle and health technologies. We view the collective of digitised individuals as contributing to the phenomenon of the digitisation of individuals, defined as the proliferation of digital technologies in the lives of individual users (Matt, Trenz, et al., 2019). Although the bare minimum to qualify as digitised individuals according to this definition is using one technology for non-work including leisure purposes, nowadays, many people use multiple technologies to different extents, being integrated into their lives in many different ways. This creates a large variability in the extent of their digitisation. The combination of the significant diffusion of digital technologies used by individuals with the variability in their (partly joint) usage leads to the necessity to develop an intertwined perspective that considers technology and the individual at the same time, that is, a socio-technical perspective. Several studies have argued for a need to understand digitised individuals, the drivers of the digitisation of individuals and the consequences of this digitisation, because technologies aimed at the digitisation of individuals have unique features that distinguish them from commonly examined business technologies, or that are insufficiently highlighted and understood in studies of non-work technologies (Matt, Trenz, et al., 2019; Turel et al., 2019). These characteristics inclu...

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Do (how) digital natives adopt a new technology differently than digital immigrants? A longitudinal study

Cited by 118 publications

References 57 publications

The Effect of Banks' IT Investments on the Digitalization of their Customers

The Effect of Banks' IT Investments on the Digitalization of their Customers

Introducing ERP Concepts to IT Students Using an Experiential Learning Approach with an Emphasis on Reflection

An intertwined perspective on technology and digitised individuals: Linkages, needs and outcomes

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