Research done by Olasina 2015 where based from regression analysis gender found to be one of the significant measure that influenced the usage of SMS banking Due to these finding age and gender played an important role in SMS banking adoption and future researchers should consider these two elements in their research as it will contribute to more useful finding J Sonny et al 2014 In India the population of youth with the range of age between 14 29 years old are said to be the early adopters of latest technology and new services hence making them as the huge opportunity for the internet or mobile banking service providers Renju 2014 Besides age religion also found to be the factor that provide difference perception towards SMS banking Research done in Malaysia by Amin 2011 found that there is significant difference towards SMS banking usage exhibited by religion which is Muslim and non Muslim Muslim bank customers exhibited stronger orientation towards perceived credibility social norm and perceived self efficacy compared to non Muslim customers that placed greater emphasis on Perceived Usefulness Perceived Ease of Use and perceived enjoyment This finding is considered imported in context of Malaysia considering that Malaysia is the country with majority of the peoples are Muslim and the official religion of the country also Islam By having this information tested via research financial institutions can make it as a guideline and one of the important point to be consider whenever they are creating or launching any new products or services as it is proven that different religion may react differently to the similar services offered In Malaysia as well research done towards university student found that demographic elements do influenced the intention of the customer to use SMS banking
