Table 2 Summary of the main findings of selected empirical studies based on UTAUT
References | Finding | Sample | Country or region |
|---|---|---|---|
AbuShanab and Pearson (2007) | Performance expectancy, effort expectancy, and social influence were significant and explained a significant amount of the variance in predicting a customer’s intention to adopt Internet Banking | 869 Customers | Jordan |
Martins et al. (2013) | The result supported some relationships of UTAUT. For example, performance expectancy, effort expectancy, and social influence, moreover, the role of risk as a stronger predictor of intention. To explain the usage behaviour of Internet banking the most important factor is the behavioural intention to use Internet banking | 249 Students | Portugal |
Bhatiasevi (2016) | Performance expectancy, effort expectancy, social influence, perceived credibility, perceived convenience, and behavioural intention to use mobile banking posited a positive relationship | 272 Customers | Thailand |
Tan and Lau (2016) | PE as the strongest predictor, followed by EE, perceived risk, and social influence, and the result supported a partial mediating effect of PE on the relationship between EE, and intention to adopt mobile banking | 347 Students | Malaysia |
Wang et al. (2017) | Personalization leads to increased performance expectancy and decreased effort expectancy, which in turn lead to increasing intention to continue to use E-Banking services. In addition, compatibility with previous E-Banking experience, and personalization produces an interactive effect on both performance expectancy and effort expectancy | 181 Customers | China |
Alalwan et al. (2018b) | Behavioural intention is significantly influenced by performance expectancy, effort expectancy, hedonic motivation, price value, and perceived risk; however, social influence does not have a significant impact on behavioural intention | 348 Customers | Jordan |
Al-Qeisi et al. (2014) | The technical, general content and appearance dimensions of a website are most important, for users. These dimensions are significantly related to usage behaviour directly and indirectly | 216 Users | UK |
Baptista and Oliveira (2015) | Performance expectancy, hedonic motivation, and habit were found to be the most significant antecedents of behavioural intention | 252 Users | Portugal |
AbrahĂŁo et al. (2016) | The result showed as a guide to participants in the payments market to develop a service, for mobile payments of excellent performance, easy to use, secure and promotes the action of the social circle of the individual at a fair price | 605 Users | Brazil |
Sánchez-Torres et al. (2018) | Trust, performance expectancy and effort expectancy had a positive impact on the use of financial websites in Colombia, while government support did not have a significant impact | 600 Users | Colombia |
Boonsiritomachai and Pitchayadejanant (2017) | The hedonic motivation of mobile banking users was identified as the most important factor motivating customers to adopt mobile banking, whereas mobile banking system security had a negative relationship with hedonic motivation | 480 Users | Thailand |
Alalwan et al. (2017) | The results mainly showed that behavioural intention is significantly, and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value, and trust | 343 Users | Jordan |
Cao and Niu (2019) | Results found that the relationship between the context and Alipay user adoption is mediated by performance expectancy and effort expectancy. While the relationship between the ubiquity, and Alipay user adoption is only mediated by the performance expectancy | 614 Users | China |
Baabdullah et al. (2019b) | The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness, and TTF on the customers’ continued intention to use mobile banking | 434 Users | Saudi Arabia |