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A Review of empirical research on Internet & Mobile banking in developing countries using UTAUT Model during the period 2015 to April 2020
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A Review of empirical research on Internet & Mobile banking in developing countries using UTAUT Model during the period 2015 to April 2020
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Journal Article
A Review of empirical research on Internet & Mobile banking in developing countries using UTAUT Model during the period 2015 to April 2020
2020
Overview
Purpose: The purpose of this review article is to execute and present a comprehensive and systematic literature review of research articles which have used UTAUT models (classic or extended) for studying factors effecting the adoption of internet and mobile banking from 2015 to April 2020 in developing countries. Design/methodology/approach: This research has identified and studied 28 subject related articles. Data was collected through comprehensive electronic research using search engines of Google Scholar, Yahoo, Base and ProQuest. The search criteria were the keywords internet banking, mobile banking adoption and UTAUT model. For further selection consideration was given to the articles where classic as well as extended UTAUT models were applied. Additionally, the \"descriptive\" approach was applied to position the internet and mobile banking adoption in the comprehensive internet banking literature stream, from the previous authoritative review of the internet banking adoption literature [2] which covered the period from1999 to 2012. Findings: The findings from the analysis of primary data collected from developing countries show that the studies have used cross sectional approach, questionnaire/survey methods, and structural equation modelling analysis techniques whereas, SPSS, SEM, PLS were found to be the largely used analysis tools. Moreover, variables such as performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation and price value were the main indicators of behavioral intention. Perceived risk was found to be the most added external variable in UTAUT baseline model. Practical Implication: This review article provides, for future endeavors, an extensive literature on a specified subject. The findings of this research would make a clear path for potential researchers to develop a new theory for studying the adoption of internet and mobile banking. Originality/Value: The research has filled the research gap by providing a review of literature on specified subject from 2015 to April 2020 and provided the researchers with additive knowledge about the model used and the factors effecting the adoption of internet and mobile banking.
Publisher
ARRAY Development
Subject
