Factors affecting adoption of online banking: A meta-analytic structural equation modeling study

Published on Mar 1, 2015in Information & Management5.155
· DOI :10.1016/J.IM.2014.11.002
Ali Reza Montazemi18
Estimated H-index: 18
(McMaster University),
Hamed Qahri-Saremi7
Estimated H-index: 7
(UIS: University of Illinois at Springfield)
Abstract Despite the potential benefits that online banking offers consumers, it has low adoption rate. We systematically review online banking adoption literature to propose two research models of factors affecting pre-adoption and post-adoption of the online banking. To test our proposed models, we applied a two-stage random-effects meta-analytic structural equation modeling method to data collected from 25,265 cases from primary empirical studies of online banking adoption. Our findings show that ten factors affect consumers’ adoption of the online banking. Furthermore, we show that the relative importance of these factors differs depending on consumers’ pre-adoption and post-adoption of the online banking.
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