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

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

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.

Suggested Citation

  • Fernando de Oliveira Santini & Wagner Junior Ladeira & Claudio Hoffmann Sampaio & Marcelo Gattermann Perin & Pietro Cunha Dolci, 2020. "Propensity for technological adoption: an analysis of effects size in the banking sector," Behaviour and Information Technology, Taylor & Francis Journals, vol. 39(12), pages 1341-1355, December.
    • Handle: RePEc:taf:tbitxx:v:39:y:2020:i:12:p:1341-1355
    DOI: 10.1080/0144929X.2019.1667441
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