MOBILE BANKING ADOPTION: A SYSTEMATIC REVIEW AND DIRECTION FOR FURTHER RESEARCH

In an environment marked by the growing popularity of mobile technologies, the importance of electronic channels such as mobile banking for banking establishments is no longer to be demonstrated. However, its adoption by users remains a subject of debate due to the multitude of adoption factors cited in previous works as well as the different models of technology adoption used by researchers. This study is a systematic literature review which aims to examine the main theoretical models and factors of adoption that researchers used to describe the acceptance of M-banking technology and predict consumer intent to use it. The main results show that the literature is marked by the dominance of certain theoretical models. However, it remains divided in regards to mobile banking adoption factors with over 61 factors identified. The present article is an update of current knowledge by identifying in quality literature existing relationships in the field of M-banking but also by formulating recommendations in favor of practitioners as well as underlining new research opportunities in favor of theorists in the area of M-banking