Exploring the relationship between user perceptions and continuous usage intention of digital banking services among Generation X in Pampanga: A moderated correlational study

International Journal of Research Studies in Management
CollabWritive Special Issue
2026 Volume 14 Issue 1

Available Online: 9 March 2026

Author/s:

David, Lizielle
Holy Angel University, Philippines (lizielledavid07@gmail.com)

Abstract:

This study determined the relationship between user perceptions and the continuous usage intention in digital banking. It utilized both descriptive and correlational research designs to examine the respondents’ perceptions in relation to their continuous usage intention of digital banking services. The respondents are the Gen X who are actively engaged in the usage of digital banking services. The survey instrument was distributed online through Google Form link. A total number of 141 valid responses were collected and analyzed through correlational analysis which examine the relationships between the variables in the study. Modified Regression Analysis within Structural Equation Modeling (SEM) was employed to examine the interaction effects of age, gender, income level and digital literacy, between the variables. Descriptive analysis is used in the study to summarize participants’ perceptions and frequency of usage of digital banking. The result of the study implies the significant relationship of the user perceptions to the continuous usage intention of digital banking services, although perceived trust implies a weak to moderate relationship. The result implies that age and digital literacy do not significantly change the correlations between variables, although gender moderates the influence of convenience and income level moderates perceived usefulness. The relationships shown significant results and consistent viewpoints of the respondents, thus highlighting a strong, consistent and reliable findings. These will serve as support for banks to focus on strengthening the positive user perceptions and to maintain the beneficial, convenient and reliable digital experiences for the continued usage of digital banking services.

Keywords: digital banking, Gen X, perceived usefulness, perceived ease of use, perceive trust, perceived risk convenience, continuous usage intention

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DOI: https://doi.org/10.5861/ijrsm.2026.26007

Cite this article:
David, L. (2026). Exploring the relationship between user perceptions and continuous usage intention of digital banking services among Generation X in Pampanga: A moderated correlational study. International Journal of Research Studies in Management, 14(1), 91-100. https://doi.org/10.5861/ijrsm.2026.26007