Abstract
The purpose of this article is to examine convergence or divergence of Technology Acceptance Model (TAM) based studies in Internet Banking (IB) services on adoption patterns. Literature survey was conducted using convenience sampling in order to cover wide range of journals. A keyword search was conducted and 24 closely related studies were selected for the systematic review in order to provide a comprehensive picture of the existing studies. The review concluded that culture which plays significant role in technology adoption has been ignored in context of IB adoption. This findings show that models with attitude as mediating variable are better predictors of individual IB adoption. Further, it is observed that technological factors such as technological complexity, experience and trust in technology have received very less attention which studying adoption patterns of technology such as IB. This article contributes to existing body of IB adoption literature by incorporating culture as moderating variable into the framework of TAM. In addition, study advances IB literature on attitude and adoption patterns. This article is novel in terms of incorporating cultural dimensions (i.e., uncertainty avoidance, and individualism/ collectivism) as moderators into the frame of extended TAM in context of IB.
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