The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Financial Innovation

Table 4 Demographic information

Demographic variables group		Category	Frequency	Percentage (%)
Age	1	18–40	366	76.9
	2	41–60	104	21.8
	3	61–80	6	1.3
Gender	1	Male	186	39.1
Gender	2	Female	290	60.9
Education	1	Diploma	2	0.4
	2	Undergraduate	34	7.1
	3	Postgraduate	440	92.4
OBA	1	Yes	428	89.9
OBA	2	No	48	10.1
EBA	1	Yes	446	93.7
EBA	2	No	30	6.3
BAM	1	1–15	208	43.7
	2	16–30	94	19.7
	3	31–50	174	36.6
UBE	1	1–10	336	70.6
UBE	2	> 10	140	29.4

OBA, Do you have an online bank account?; EBA, Have you ever access your Electronic Bank account?; BAM, How many times do you usually use your bank account in months?; UEB, How long have you been using Electronic Banking?