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

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.