Social cognitive theory in technological innovation

<b>Purpose</b> – The aim of this paper is to understand the behavior that Australian youths have towards wireless application protocol (WAP) banking.<br /><br /><b>Design/methodology/approach</b> – This paper is based on a quantitative study of the youth market in Australia. Social cognitive theory is utilized to support a conceptual model that is empirically tested.<br /><br /><b>Findings</b> – The major finding from the research is that the conceptual model is partially supported which indicates the immaturity of WAP technology.<br /><br /><b>Originality/value</b> – Social cognitive theory provides a useful explanation for youth’s intentions to use WAP technology in the banking industry. The youth market is an early adopter of technology that presents a good indicator of future market potential.<br />