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A meta-analytical study of technological acceptance in banking contexts

Fernando De Oliveira Santini (Universidade do Vale do Rio dos Sinos, São Leopoldo, Brazil)
Wagner Junior Ladeira (Universidade do Vale do Rio dos Sinos, São Leopoldo, Brazil)
Cláudio Hoffmann Sampaio (Pontificia Universidade Catolica do Rio Grande do Sul, Porto Alegre, Brazil)
Marcelo Gattermann Perin (Pontificia Universidade Catolica do Rio Grande do Sul, Porto Alegre, Brazil)
Pietro Cunha Dolci (Universidade de Santa Cruz do Sul, Santa Cruz, Brazil)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 11 February 2019

Issue publication date: 25 April 2019




The purpose of this paper is to present a systematic framework with a meta-analytical approach to find various types of antecedents, consequences and moderation effects of the technological acceptance model (TAM) in banking contexts.


The authors conducted a meta-analysis of a total of 142 articles, which generated 636 observations, in an accumulated sample of 45,781 respondents.


The findings of this meta-analysis demonstrated 18 constructs that were antecedent to the TAM and four constructs that functioned as consequences. Most of these relationships were significant and consistent. The authors also found some methodological, cultural, economic and theoretical moderations effects between TAM constructs and the attitudes/behavioural intentions of banking technological devices.

Research limitations/implications

This meta-analysis reviewed the relationships found worldwide in the literature on TAM constructs in banking contexts. It was possible to identify new avenues for future research. Some specific limitations, such as the non-use of qualitative studies and the clipping of adverse concepts, exist in the secondary data and should be registered.

Practical implications

The work could assist managers in decision-making because the findings resulting from the meta-analysis are more consistent than those from traditional primary surveys.


This research tested the impact of the antecedents, consequences and moderators of the TAM in the banking sector and presented important results via a meta-analytical review. This meta-analysis contributes to the marketing literature by offering a set of empirical generalisations, including relationship coefficients and calculated fail-safe numbers.



Santini, F.D.O., Ladeira, W.J., Sampaio, C.H., Perin, M.G. and Dolci, P.C. (2019), "A meta-analytical study of technological acceptance in banking contexts", International Journal of Bank Marketing, Vol. 37 No. 3, pp. 755-774.



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