Smartphone VS Smartwear

Author

Yekta Amirkhalili

Published

June 23, 2025

Do Devices Change How We Use Mobile Banking?

In this chapter, I explore something that hasn’t really been looked at before: Does the type of device someone uses affect how they adopt mobile banking?

In real life, using a smartphone is very different from using a smart wearable device like a smartwatch. These devices have different features, screen sizes, and even different ways users interact with them. So, I wanted to find out:

Do trust, security, and time-saving value of m-banking apps affect people differently depending on whether they use a smartphone or a wearable? Do demographics like age, gender, or income play a different role across devices?

I used survey data from over 18,000 people in Canada and ran a set of logistic regression models. I grouped people based on whether they use just a smartphone or both a smartphone and a wearable. That’s really because you don’t use a smart wearable device as a standalone device. What I found is that device type really matters:

People who use smartphones care more about trust and security.
In fact, people seem to perceive smartphones as more secure (they probably are?).
People who use wearables care more about saving time and convenience.
Some demographic factors (like education or age) influence adoption in different ways based on the device.

This work shows that mobile banking adoption isn’t one-size-fits-all. If we want to understand how people really use these tools, and how banks should design better apps; we need to look at the devices they’re using too. By “we” I mean banks and researchers alike!

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## Do Devices Change How We Use Mobile Banking?
In this chapter, I explore something that hasn't really been looked at before: Does the type of device someone uses affect how they adopt mobile banking?

In real life, using a smartphone is very different from using a smart wearable device like a smartwatch. 
These devices have different features, screen sizes, and even different ways users interact with them.
So, I wanted to find out:

> Do trust, security, and time-saving value of m-banking apps affect people differently depending on whether they use a smartphone or a wearable?
> Do demographics like age, gender, or income play a different role across devices?

I used survey data from over 18,000 people in Canada and ran a set of logistic regression models. 
I grouped people based on whether they use just a smartphone or both a smartphone and a wearable.
That's really because you don't use a smart wearable device as a standalone device.
What I found is that device type really matters:

* People who use smartphones care more about trust and security.
* In fact, people seem to perceive smartphones as more secure (they probably are?).
* People who use wearables care more about saving time and convenience.
* Some demographic factors (like education or age) influence adoption in different ways based on the device.

This work shows that mobile banking adoption isn't one-size-fits-all. 
If we want to understand how people really use these tools, and how banks should design better apps; we need to look at the devices they're using too.
By "we" I mean banks and researchers alike!