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Table 2 Summary of the main findings of selected empirical studies based on UTAUT

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
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
Abrahão 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