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Table 1 Summary of the main findings of selected empirical studies based on TAM

From: The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

References Finding Sample Country or region
Chong et al. (2010) Perceived usefulness, trust, and government support all positively associated with the intention to use online banking. Contrary to the technology acceptance model, perceived ease of use was found to be not significant in this study 103 Customers Vietnam
Liébana-Cabanillas et al. (2016) Ease of access, ease of use, trust, and usefulness had a positive effect on satisfaction with electronic banking 946 Users Spain
Alalwan et al. (2018a) Perceived usefulness, perceived enjoyment, trust, and innovativeness are statistically supported to have a significant impact on the Saudi customer intention to adopt mobile internet 357 Customers Saudi Arabia
Kumar et al. (2018) Perceived usefulness and perceived ease of use significantly affect user satisfaction, and intention to continually use M-wallets 250 Students India
Chauhan et al. (2019) The significant positive influence of perceived usefulness, and ease of use on consumer’s intention to adopt internet banking 487 Consumers India
Baabdullah et al. (2019a) The impact of perceived privacy, perceived security, perceived usefulness on the customers’ continued intention to use mobile banking 320 Customers Saudi Arabia
Saji and Paul (2018) The results confirm the usefulness of TAM in predicting mobile banking adoption behaviour 214 Customers India
Chawla and Joshi (2017) Perceived trust, PEOU, perceived lifestyle compatibility, and perceived efficiency were found to positively, and significantly affect user intention. User intention was found to significantly vary across demographic groups based on gender and household income 367 Customers India
Kumar et al. (2017) Perceived usefulness and perceived ease of use, social influence and trust propensity are the underlying factors in respect of the behavioural intention to use mobile banking services 144 Students India
Lee (2008) The intention to use online banking is adversely affected mainly by the security/privacy risk, as well as financial risk and is positively affected mainly by perceived benefit, attitude, and perceived usefulness 368 Users Taiwan
Akturan and Tezcan (2012) Perceived usefulness, perceived social risk, perceived performance risk, and perceived benefit directly affect attitudes towards mobile banking, and that attitude is the major determinant of mobile banking adoption intention 435 Students Turkey
Kesharwani and Bisht (2012) Perceived risk has a negative impact on behavioural intention of internet banking adoption, and trust has a negative impact on perceived risk. A well-designed web site was found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding internet banking usage 619 Students India
George and Kumar (2013) The constructs PEOU and PU have a positive effect on customer satisfaction, and PR has a negative effect on customer satisfaction. A profile analysis of the respondents revealed that young males, well-educated employees with a moderately high level of monthly income are the major users of IB 406 Users India
Bashir and Madhavaiah (2014) Perceived usefulness (PU), ease of use, trust, self-efficacy, and social influence have a significant positive influence on young consumers’ intention to use Internet banking 155 Users India
Yadav et al. (2015) Perceived usefulness, attitude, subjective norm, and perceived behavioural control significantly influences the consumer’s intention to adopt internet banking, whereas perceived risk failed to show any significant influence over the intention to adopt internet banking 210 Consumers India
Lin et al. (2015) These results are expected to help banks understand the critical factors influencing Internet banking usage and to contribute to the creation of competitive promotional campaigns 350 Users Vietnam
Bashir and Madhavaiah (2015) Perceived usefulness, perceived ease of use, perceived enjoyment, perceived image, social influence, and trust in Internet banking have a significant positive effect on behavioural intention. Further, it is found that perceived risk exerts a significant negative effect on consumers' intention to use Internet banking 420 Students India
Ooi and Tan (2016) Offered several important managerial implications, which can be generalized to the mobile studies of other transportation, hotel, banking, and tourism industries 459 Users Malaysia
Tam and Oliveira (2016a) TTF and usage are important precedents of individual performance. The authors found statistically significant differences in path usage to performance impact, for the age subsample and no statistically significant differences, for the gender subsample 256 Individuals Portugal
Marakarkandy et al. (2017) Subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, and government support on internet banking adoption 300 Users India
Roy et al. (2017) External risk and internal risk inhibit customer acceptance of Internet banking. More importantly, neural network analysis reveals that perceived ease of use and external risk are two important factors determining how well Internet banking is accepted by customers 270 Users India
Rodrigues et al. (2016) The findings contribute overall to a better understanding of gamification in E-Banking (with the extension of Technology Acceptance Model theories, and the new variable gamification), providing important practical implications, for software development, and marketing practices 183 Customers Portugal
Sinha and Mukherjee (2016) The results established that factors namely trust on technology, trust on the bank, perceived ease of use, perceived usefulness, complexity are the factors that influence customer significantly to use off branch E-Banking in India whereas factors. For example, perceived risk was insignificant. Studies establish the importance of these factors in order of trust in technology, perceived ease of use, perceived usefulness, trust on the bank, and complexity, where trust on the technology is the most important factor 422 Customers India