A weight and a meta-analysis on mobile banking acceptance research

Following the globalization of business and systems, there is a pressing need to understand the main factors affecting mobile banking user acceptance. The increasing number of mobile banking studies and articles published in the last years, as well as conferences and workshops, has made the research process on this important subject more complex and time-consuming. Therefore, it is necessary to synthesize findings from existing research, seeking an update of the current state-of-the-art knowledge. A combination of weight and meta-analysis was chosen, in order to identify the frequency and relevance of the most used constructs and their most important relationships. A total of 57 articles were found in the literature, having the necessary quantitative statistical data to be considered. The best predictors of the intention to use the mobile banking services identified, simultaneously significant in the weight and in the meta-analysis, are: (i) attitude, (ii) initial trust, (iii) perceived risk, and (iv) performance expectancy. In terms of use of mobile banking, considering the same assumptions, the best predictors are: (i) intention, and (ii) performance expectancy. Facilitating conditions on attitude, task technology fit on performance expectancy, and performance expectancy on initial trust have the potential to be added to the list of the most important predictors, but they still need additional research. A theoretical model based on our results is presented, providing a means to support future mobile banking acceptance studies.