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Systematic Review of Studies Using Utaut and Utaut2 to Explore the Factors Affecting Adoption of Mobile Banking

Author

Listed:
  • Bashir, Muhammad Athar
  • Imtiaz, Shoaib
  • Ullah, Habib
  • Hameed, Waseem Ul

Abstract

Purpose: There is extensive use of the Unified Theory of Acceptance and Use of Technology (UTAUT) and its extensions by researchers and practitioners in the field of businesses especially in banking sectors to measure the adoption of new and improved technologies like mobile banking, e-commerce and its relevance to the consumer behaviors worldwide and particularly in Pakistan where there is lower literacy rate and higher use of technology. This study is focused on sketching the previous studies in the form of a systematic review to provide the new pathways in mobile banking and also suggests a refined and comprehensive model for further study.Design/Methodology/Approach: The twenty-two (22) papers were included regarding the empirical and theory-based research of UTAUT Internet Banking whereas twenty-six (26) empirical and theory-based evidence from UTAUT2 mobile banking adoption.Findings: The most important indicators to look at from previous studies in this theory are: social influence, price value, hedonic motivation, behavioral intention and actual use behavior, effort expectancy, facilitating conditions, and performance expectancy.Implications/Originality/Value: It is analyzed from the previous studies that these factors may play a vital role in the adoption of mobile banking and its applications and it is also further suggested that fairer studies are required to find better directions and results

Suggested Citation

  • Bashir, Muhammad Athar & Imtiaz, Shoaib & Ullah, Habib & Hameed, Waseem Ul, 2023. "Systematic Review of Studies Using Utaut and Utaut2 to Explore the Factors Affecting Adoption of Mobile Banking," Sustainable Business and Society in Emerging Economies, CSRC Publishing, Center for Sustainability Research and Consultancy Pakistan, vol. 5(3), pages 267-278, September.
    • Handle: RePEc:src:sbseec:v:5:y:2023:i:3:p:267-278
    DOI: http://doi.org/10.26710/sbsee.v5i3.2735
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