A meta-analytical study of technological acceptance in banking contexts

Abstract

Purpose The purpose of this paper is to present a systematic framework with a meta-analytical approach to find various types of antecedents, consequences and moderation effects of the technological acceptance model (TAM) in banking contexts. Design/methodology/approach The authors conducted a meta-analysis of a total of 142 articles, which generated 636 observations, in an accumulated sample of 45,781 respondents. Findings The findings of this meta-analysis demonstrated 18 constructs that were antecedent to the TAM and four constructs that functioned as consequences. Most of these relationships were significant and consistent. The authors also found some methodological, cultural, economic and theoretical moderations effects between TAM constructs and the attitudes/behavioural intentions of banking technological devices. Research limitations/implications This meta-analysis reviewed the relationships found worldwide in the literature on TAM constructs in banking contexts. It was possible to identify new avenues for future research. Some specific limitations, such as the non-use of qualitative studies and the clipping of adverse concepts, exist in the secondary data and should be registered. Practical implications The work could assist managers in decision-making because the findings resulting from the meta-analysis are more consistent than those from traditional primary surveys. Originality/value This research tested the impact of the antecedents, consequences and moderators of the TAM in the banking sector and presented important results via a meta-analytical review. This meta-analysis contributes to the marketing literature by offering a set of empirical generalisations, including relationship coefficients and calculated fail-safe numbers.

Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services

“…Our findings reveal that the impact of social influence on behavioural intention to use FinTech services is highly significant. This finding is consistent with the view of Santini et al (2019), Sinha et al (2019), Kaabachi et al (2019), Lau et al (2020) and Singh et al (2020) that social influence significantly affects acceptance of technology and behaviour intention. Social factors and subjective norms such as family and peers' statements, views, experience, attitudes and actions are the principal components about the use of technology.…”

“…In reference to this, social influence refers to the extent of others' influence in utilising a specific technology (Singh et al, 2020). The positive experience of individuals about technological banking devices will stimulate others (Santini, Ladeira, Sampaio, Perin & Dolci, 2019). Customers consult to their social network on new technologies and could be affected by perceived social pressure, image or information provided by them (Slade et al, 2015;Sinha, Majra, Hutchins & Saxena, 2019;Singh et al, 2020).…”

“…It is supported by Slade et al (2015) that social influence has an important role in consumer behaviour. Peers' advice like family members, colleagues and friends is a major influencer in establishing trust (Kaabachi et al, 2019) and behaviour (Santini et al, 2019). Their statements, actions and attitudes with regard to the use of technology are also crucial (Singh et al, 2020).…”

“…Their statements, actions and attitudes with regard to the use of technology are also crucial (Singh et al, 2020). It is found that social influence has significantly impact on behaviour intention to use (Santini et al, 2019;Singh et al, 2020). This is in line with Kaabachi et al (2019) that social influence has influenced on the users' decision to use internet banking.…”

A meta-analysis of the quantitative studies in continuance intention to use an information system

“…To select the relationships, we used relationships that have enough observations (>30) (Geyskens et al , 2009; Lipsey and Wilson, 2001). Regarding the moderator variables, we have selected different moderators suggested by the literature (Hofstede and Minkov, 2010; Santini et al , 2019b). For our study, we have used methodological, economic and cultural moderators.…”