Propensity for technological adoption: an analysis of effects size in the banking sector

Fernando de Oliveira Santini, Wagner Junior Ladeira, Claudio Hoffmann Sampaio, Marcelo Gattermann Perin and Pietro Cunha Dolci

Behaviour and Information Technology, 2020, vol. 39, issue 12, 1341-1355

Abstract: The present study analyses the direct effects of the technological adoption model (TAM) in the banking sector by meta-analytical structural equation modelling (MASEM). A systematic review of 142 studies was conducted. Through this meta-analysis, we identify the main direct, mediating and moderating relationships. The results pointed to a stronger relationship of self-efficacy in the TAM and a partial mediator relationship of attitude in the relationship between TAM and the intention to use technology. We argue that studies that measure TAM using a greater number of variables, in countries with higher levels of human development and of a Western nature, and with higher levels of Internet connectivity and numbers of active cell phones, have a stronger relationship between ease of use and attitude towards technology. Finally, we also detected a stronger relationship of Internet banking users in the relationship between the TAM dimensions and attitudes toward using electronic banking platforms.

Date: 2020
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DOI: 10.1080/0144929X.2019.1667441

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