TECHNOLOGY ADOPTION ON BANK SERVICES; A SYSTEMATIC LITERATURE REVIEW

Abstract

Objectives: This paper explains, synthesizes, reviews the main findings, and provides suggestions for future research to deepen and enrich understanding of technology-based banking services (banking technology). Methods: This research uses a systematic literature review or structured review as a research methodology, which will analyze scientific articles based on widely used methods, theories, and constructs. Results: The results shown that TAM as an established concept is the model most often used in research in the context of technology-based banking services. However, this does not guarantee that only the TAM construct (PU, PEOU, Social Influence, and Attitude) is able to explain individual attitudes and intentions in adopting and using banking technology. Therefore, exploration is needed within a phenomenological framework to find other values (besides the TAM construct) to enrich scientific insights. In addition, a comparative study is also needed to see the role of the cultural dimension in influencing the adoption and use of technology in a country. In turn, our study is not without limitations. The ability to access reputable journals has been a major factor in our study covering only 20 scientific articles over the last ten years. The number is relatively small, making our study unable to examine other antecedents (besides those mentioned in table 4.5) used in the context of technology banking. Implications: Our study has implications for the development of studies in the context of banking technology, where our study can be taken into consideration for developing an integrated model that covers all perspectives in the context of technology adoption and use.

Type of Paper: Empirical.