IDEAS home Printed from https://ideas.repec.org/a/eee/ininma/v40y2018icp76-87.html
   My bibliography  Save this article

The relationships between electronic banking adoption and its antecedents: A meta-analytic study of the role of national culture

Author

Listed:
  • Zhang, Yun
  • Weng, Qingxiong
  • Zhu, Nan

Abstract

Prior studies fail to provide a clear understanding of the role that national culture plays in electronic banking acceptance. Therefore, we conduct a meta-analysis involving 62 samples from 27 countries or regions to explore how national cultural dimensions moderate the relationships between consumer behavioral intentions to use electronic banking and the constructs of performance expectancy, effort expectancy, social influence, perceived risk, and trust. The results showed that each of Hofstede’s national cultural dimensions has a moderating effect on some of the relationships. In particular, when considering using electronic banking, people pay more attention to social influence and trust in high power distance countries; focus more on performance expectancy, effort expectancy, and perceived risk in countries with high individualism; and care more about performance expectancy and trust in high uncertainty avoidance countries. We also discuss how to improve the strategies for boosting user adoption by incorporating cultural differences.

Suggested Citation

  • Zhang, Yun & Weng, Qingxiong & Zhu, Nan, 2018. "The relationships between electronic banking adoption and its antecedents: A meta-analytic study of the role of national culture," International Journal of Information Management, Elsevier, vol. 40(C), pages 76-87.
    • Handle: RePEc:eee:ininma:v:40:y:2018:i:c:p:76-87
    DOI: 10.1016/j.ijinfomgt.2018.01.015
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0268401217302049
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.ijinfomgt.2018.01.015?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Chia-Liang Hung & Jerome Chih-Lung Chou, 2014. "Examining The Cultural Moderation On The Acceptance Of Mobile Commerce," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 11(02), pages 1-19.
    2. Wang, Cheng Lu & Shi, Yizheng & Barnes, Bradley R., 2015. "The role of satisfaction, trust and contractual obligation on long-term orientation," Journal of Business Research, Elsevier, vol. 68(3), pages 473-479.
    3. Hallikainen, Heli & Laukkanen, Tommi, 2018. "National culture and consumer trust in e-commerce," International Journal of Information Management, Elsevier, vol. 38(1), pages 97-106.
    4. Shieh, Lon-Fon & Chang, Tien-Hsiang & Fu, Hsin-Pin & Lin, Sheng-Wei & Chen, Ying-Yen, 2014. "Analyzing the factors that affect the adoption of mobile services in Taiwan," Technological Forecasting and Social Change, Elsevier, vol. 87(C), pages 80-88.
    5. Xiaolan Zheng & Sadok El Ghoul & Omrane Guedhami & Chuck C Y Kwok, 2013. "Collectivism and corruption in bank lending," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 44(4), pages 363-390, May.
    6. Nena Lim & Paul H. P. Yeow & Yee Yen Yuen, 2010. "An Online Banking Security Framework and a Cross-Cultural Comparison," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 13(3), pages 39-62, July.
    7. Shiu, Edward & Walsh, Gianfranco & Hassan, Louise M. & Parry, Sara, 2015. "The direct and moderating influences of individual-level cultural values within web engagement: A multi-country analysis of a public information website," Journal of Business Research, Elsevier, vol. 68(3), pages 534-541.
    8. Ladhari, Riadh & Pons, Frank & Bressolles, Grégory & Zins, Michel, 2011. "Culture and personal values: How they influence perceived service quality," Journal of Business Research, Elsevier, vol. 64(9), pages 951-957, September.
    9. Meier-Pesti, Katja & Penz, Elfriede, 2008. "Sex or gender? Expanding the sex-based view by introducing masculinity and femininity as predictors of financial risk taking," Journal of Economic Psychology, Elsevier, vol. 29(2), pages 180-196, April.
    10. Lee, Sang-Gun & Trimi, Silvana & Kim, Changsoo, 2013. "The impact of cultural differences on technology adoption," Journal of World Business, Elsevier, vol. 48(1), pages 20-29.
    11. Martins, Carolina & Oliveira, Tiago & Popovič, Aleš, 2014. "Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application," International Journal of Information Management, Elsevier, vol. 34(1), pages 1-13.
    12. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P., 2017. "Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust," International Journal of Information Management, Elsevier, vol. 37(3), pages 99-110.
    13. Kallol Bagchi & Paul Hart & Mark F. Peterson, 2004. "National Culture and Information Technology Product Adoption," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 7(4), pages 29-46, October.
    14. Lin, Hsiu-Fen, 2011. "An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust," International Journal of Information Management, Elsevier, vol. 31(3), pages 252-260.
    15. Rajagopal, 2014. "Technology Diffusion and Adoption," Palgrave Macmillan Books, in: Architecting Enterprise, chapter 6, pages 148-173, Palgrave Macmillan.
    16. Xiaochao Wei & Bin Hu & Kathleen Carley, 2013. "Combination of Empirical Study with Qualitative Simulation for Optimization Problem in Mobile Banking Adoption," Journal of Artificial Societies and Social Simulation, Journal of Artificial Societies and Social Simulation, vol. 16(3), pages 1-10.
    17. Oliveira, Tiago & Faria, Miguel & Thomas, Manoj Abraham & Popovič, Aleš, 2014. "Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM," International Journal of Information Management, Elsevier, vol. 34(5), pages 689-703.
    18. Faqih, Khaled M.S. & Jaradat, Mohammed-Issa Riad Mousa, 2015. "Assessing the moderating effect of gender differences and individualism-collectivism at individual-level on the adoption of mobile commerce technology: TAM3 perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 22(C), pages 37-52.
    19. Kaba, Bangaly & Osei-Bryson, Kweku-Muata, 2013. "Examining influence of national culture on individuals’ attitude and use of information and communication technology: Assessment of moderating effect of culture through cross countries study," International Journal of Information Management, Elsevier, vol. 33(3), pages 441-452.
    20. Frijns, Bart & Gilbert, Aaron & Lehnert, Thorsten & Tourani-Rad, Alireza, 2013. "Uncertainty avoidance, risk tolerance and corporate takeover decisions," Journal of Banking & Finance, Elsevier, vol. 37(7), pages 2457-2471.
    21. Luo, Chuan & Wu, Jing & Shi, Yani & Xu, Yun, 2014. "The effects of individualism–collectivism cultural orientation on eWOM information," International Journal of Information Management, Elsevier, vol. 34(4), pages 446-456.
    22. Taiyuan Wang & Pratima Bansal, 2012. "Social responsibility in new ventures: profiting from a long‐term orientation," Strategic Management Journal, Wiley Blackwell, vol. 33(10), pages 1135-1153, October.
    23. Galang, Roberto Martin N., 2014. "Divergent diffusion: Understanding the interaction between institutions, firms, networks and knowledge in the international adoption of technology," Journal of World Business, Elsevier, vol. 49(4), pages 512-521.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Khan, Ikram Ullah, 2022. "How does culture influence digital banking? A comparative study based on the unified model," Technology in Society, Elsevier, vol. 68(C).
    2. Liu, Nicole Tsz Yeung & Kirshner, Samuel N. & Lim, Eric T.K., 2023. "Is algorithm aversion WEIRD? A cross-country comparison of individual-differences and algorithm aversion," Journal of Retailing and Consumer Services, Elsevier, vol. 72(C).
    3. Abid Hussain & Sana Rashid & Sara Shabbir & Rizwan Qaiser Danish & Manzoor Ahmad Shah, 2021. "Mediating Role Of Productivity Between Performance Expectancy And Adaptive Performance Of Managers In Smes," Bulletin of Business and Economics (BBE), Research Foundation for Humanity (RFH), vol. 10(3), pages 178-188, September.
    4. Verma, Deepak & Prakash Dewani, Prem & Behl, Abhishek & Pereira, Vijay & Dwivedi, Yogesh & Del Giudice, Manilo, 2023. "A meta-analysis of antecedents and consequences of eWOM credibility: Investigation of moderating role of culture and platform type," Journal of Business Research, Elsevier, vol. 154(C).
    5. Abid Hussain & Sana Rashid & Sara Shabbir & Rizwan Qaiser Danish & Manzoor Ahmad Shah, 2021. "Mediating Role Of Productivity Between Performance Expectancy And Adaptive Performance Of Managers In Smes," Bulletin of Business and Economics (BBE), Research Foundation for Humanity (RFH), vol. 10(3), pages 178-187.
    6. Baabdullah, Abdullah M. & Alalwan, Ali Abdallah & Rana, Nripendra P. & Kizgin, Hatice & Patil, Pushp, 2019. "Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model," International Journal of Information Management, Elsevier, vol. 44(C), pages 38-52.
    7. Jain, Geetika & Kamble, Sachin S. & Ndubisi, Nelson Oly & Shrivastava, Archana & Belhadi, Amine & Venkatesh, Mani, 2022. "Antecedents of Blockchain-Enabled E-commerce Platforms (BEEP) adoption by customers – A study of second-hand small and medium apparel retailers," Journal of Business Research, Elsevier, vol. 149(C), pages 576-588.
    8. Chong Guan & Yu-Chen Hung & Wenting Liu, 2022. "Cultural differences in hospitality service evaluations: mining insights of user generated content," Electronic Markets, Springer;IIM University of St. Gallen, vol. 32(3), pages 1061-1081, September.
    9. repec:hal:journl:hal-04734348 is not listed on IDEAS
    10. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    11. Akansha Mer & Amarpreet Singh Virdi, 2023. "Modeling Millennials’ Adoption Intentions of E-banking: Extending UTAUT with Perceived Risk and Trust," FIIB Business Review, , vol. 12(4), pages 425-438, December.
    12. Queiroz, Maciel M. & Fosso Wamba, Samuel, 2019. "Blockchain adoption challenges in supply chain: An empirical investigation of the main drivers in India and the USA," International Journal of Information Management, Elsevier, vol. 46(C), pages 70-82.
    13. Adriana Grigorescu & Oana Oprisan & Cristina Lincaru & Camelia Speranta Pirciog, 2023. "E-Banking Convergence and the Adopter’s Behavior Changing Across EU Countries," SAGE Open, , vol. 13(4), pages 21582440231, December.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Queiroz, Maciel M. & Fosso Wamba, Samuel, 2019. "Blockchain adoption challenges in supply chain: An empirical investigation of the main drivers in India and the USA," International Journal of Information Management, Elsevier, vol. 46(C), pages 70-82.
    2. Baabdullah, Abdullah M. & Alalwan, Ali Abdallah & Rana, Nripendra P. & Kizgin, Hatice & Patil, Pushp, 2019. "Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model," International Journal of Information Management, Elsevier, vol. 44(C), pages 38-52.
    3. Baillette, Paméla & Barlette, Yves & Leclercq-Vandelannoitte, Aurélie, 2018. "Bring your own device in organizations: Extending the reversed IT adoption logic to security paradoxes for CEOs and end users," International Journal of Information Management, Elsevier, vol. 43(C), pages 76-84.
    4. Hossain, Akram & Quaresma, Rui & Rahman, Habibur, 2019. "Investigating factors influencing the physicians’ adoption of electronic health record (EHR) in healthcare system of Bangladesh: An empirical study," International Journal of Information Management, Elsevier, vol. 44(C), pages 76-87.
    5. Sharma, Manisha & Banerjee, Subhojit & Paul, Justin, 2022. "Role of social media on mobile banking adoption among consumers," Technological Forecasting and Social Change, Elsevier, vol. 180(C).
    6. Tengku Ikmal Hakimi & Johanna Abdullah Jaafar & Nor Azah Abdul Aziz, 2023. "What factors influence the usage of mobile banking among digital natives?," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(4), pages 763-778, December.
    7. Camilleri, Mark Anthony & Camilleri, Adriana Caterina, 2022. "Remote learning via video conferencing technologies: Implications for research and practice," Technology in Society, Elsevier, vol. 68(C).
    8. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    9. Shaw, Norman & Sergueeva, Ksenia, 2019. "The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value," International Journal of Information Management, Elsevier, vol. 45(C), pages 44-55.
    10. repec:hal:journl:hal-04734348 is not listed on IDEAS
    11. Simarpreet Kaur & Sangeeta Arora, 2023. "Understanding customers’ usage behavior towards online banking services: an integrated risk–benefit framework," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 74-98, March.
    12. Kafouros, Mario & Aliyev, Murod, 2016. "Institutional development and firm profitability in transition economies," Journal of World Business, Elsevier, vol. 51(3), pages 369-378.
    13. Katarzyna Schmidt-Jessa & Maciej Stradomski, 2023. "Consumer awareness and acceptance of digital-only banks," Bank i Kredyt, Narodowy Bank Polski, vol. 54(4), pages 389-418.
    14. Shelly Gupta & Sanjay Dhingra, 2022. "Modeling the key factors influencing the adoption of mobile financial services: an interpretive structural modeling approach," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(2), pages 96-110, June.
    15. Hallikainen, Heli & Laukkanen, Tommi, 2018. "National culture and consumer trust in e-commerce," International Journal of Information Management, Elsevier, vol. 38(1), pages 97-106.
    16. Ashraf, Badar Nadeem & Zheng, Changjun & Arshad, Sidra, 2016. "Effects of national culture on bank risk-taking behavior," Research in International Business and Finance, Elsevier, vol. 37(C), pages 309-326.
    17. Ashraf, Badar Nadeem & Arshad, Sidra, 2017. "Foreign bank subsidiaries’ risk-taking behavior: Impact of home and host country national culture," Research in International Business and Finance, Elsevier, vol. 41(C), pages 318-335.
    18. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.
    19. Xu, Kai & Hitt, Michael A. & Brock, David & Pisano, Vincenzo & Huang, Lulu S.R., 2021. "Country institutional environments and international strategy: A review and analysis of the research," Journal of International Management, Elsevier, vol. 27(1).
    20. Masoome Abikari & Peter Öhman & Darush Yazdanfar, 2023. "Negative emotions and consumer behavioural intention to adopt emerging e-banking technology," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(4), pages 691-704, December.
    21. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P., 2017. "Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust," International Journal of Information Management, Elsevier, vol. 37(3), pages 99-110.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:ininma:v:40:y:2018:i:c:p:76-87. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: https://www.journals.elsevier.com/international-journal-of-information-management .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.