Literature review of mobile banking and individual performance

Abstract

Purpose Most empirical studies of m-banking seek to understand the factors and motivations that influence the adoption or behaviour intention. The purpose of this paper is to focus on analysing and synthesising existing studies and make recommendations to researchers and practitioners. Design/methodology/approach Few papers focus on the m-banking use and individual performance, but on the determinants of adoption measures, instead. This research examines 64 journal articles published between 2002 and 2016 in top journals. Following a comprehensive review of the literature, the authors propose a research agenda. Findings The importance of use and individual performance has long been recognised by academics and practitioners in a variety of functional disciplines. The present review indicates that the topics of m-banking adoption and behavioural intention dominate the majority of research, but finds very few studies on post-adoption. The two most significant drivers of intentions to adopt m-banking are perceived ease of use and perceived usefulness. Considering several m-banking definitions, the authors propose a new, broader definition that takes into account the technological changes that have occurred over time. m-banking is a service or product offered by financial institutions that makes use of portable technologies. Originality/value This paper assembles this diverse body of knowledge into a coherent whole. The authors expect that this review will be of benefit to anyone interested in m-banking research and that it will help to stimulate further interest. In order to advance research in m-banking, future research should consider other theories uncovered in our findings.

Achieving continued usage in online banking: a post-adoption study

“…Third, this research extends the general applicability of the TAM (Patel and Patel, 2018;Tam and Oliveira, 2017a) to the post-adoption phase of an innovative, co-creative feature of online banking. The underlying model is supported in this novel context.…”

Factors influencing individuals' intention to adopt mobile banking in China and Pakistan: The moderating role of cultural values

“…Most of the researchers identified research limitation in mobile banking context. Likewise, Tam and Oliveira () carried out a literature review on m‐banking adoption. They suggested that cross‐cultural study will enable the researchers to better understand the certain cultural characteristics of mobile banking users and influence the potential adopters.…”

Mobile Banking Adoption and its Determinants in Malaysia

“…Mobile banking channel has considerable lead advantages to both consumers and banks. Banks turned out to be more capable while serving and helping their customers as they reduce operational expenses and time although making available meaningful convenience [14], [15]. Furthermore, mobile banking services made it potential for consumers conducting banking transactions anytime and anywhere [16].…”