Today communication and access to a variety of communication channels, has forced organizations to provide new and efficient services. In the meantime, banks are one of the organizations that have the largest share in the countrychr('39')s economy, so the managers of successful organizations should try to identify the factors affecting the adoption of electronic banking technology. In this research, with a different approach, meta-analysis approach, the factors affecting the adoption of electronic banking technology have been investigated. The statistical population of the study includes all domestic and foreign studies conducted up to the end of 2017 that have examined the factors affecting the adoption of electronic banking technology. The total number of studies and researches collected included 145 studies. According to the standards of meta-analysis approach, 17 studies were excluded and a total of 128 studies were selected. The results showed that technology factors have a positive and significant effect on perceived usefulness, willingness to use technology and use of technology, as well as organizational and social factors on perceived usefulness, perceived ease of use, attitude towards technology, willingness to use It has a positive and significant effect on technology and the use of technology, and individual factors have a positive and significant effect on perceived usefulness, perceived ease of use, attitude toward technology, and the use of technology. The effect of technology factor variables on perceived ease of use, attitudes toward technology, as well as individual factors on the willingness to use technology was not confirmed.
1. Beigi Firoozi, A. (1395), A Performance Evaluation of Mehr Eghtesad Bank Branches Based on the Balanced Score Card (BSC) and Analytic Network Process (ANP) Combined Model, Public Management Researches, 9(34): 195-220.
2. Zhu, Q., Lyu, Z., Long, Y., & Wachenheim, C. (2021). Adoption of mobile banking in rural China: Impact of information dissemination channel, Socio-Economic Planning Sciences, Available on: https://doi.org/10.1016/j.seps.2021.101011.
3. Bastic, M., & Gojcic, S. (2012). Measurement scale for eco-component of hotel service quality. International Journal of Hospitality Management, 31 (3).1012-1020. Retrieved 8 January 2012 from http://dx.doi.org/10.1016/j.ijhm.2011.12.007.
4. Moghaddasi, Alireza (2010). Types of Payment Methods in Electron Banking. Information technology Era, 58, 75-7.
5. Rogers, E.M. (1983), Diffusion of Innovations, The Free Press, New York, NY
6. Rogers, E.M. (1995), Diffusion of Innovations. 4th Edition, The Free Press, New York.
7. Shaikh, A.A., Glavee-Geo, R., Karjaluoto, H. (2015). An Empirical Investigation of Mobile Banking Services Adoption in Pakistan, International Journal of Social, Behavioral, Educational, Economic, Business and Industrial Engineering, 9(11).
8. Takele, Y., Sira, Z (2013). Analysis of Factors Influencing Customers’ Intention to The Adoption of E-Banking Service Channels In Bahir Dar City: An Integration of Tam, TPB and PR, European Scientific Journal, 9(13). https://eujournal.org/index.php/esj/article/view/1061
9. Mohammadi, H. (2014). A study of mobile banking loyalty in Iran, Computers in Human Behavior, 44, 35–47 https://doi.org/10.1016/j.chb.2014.11.015
10. Grabner-Kräuter, S., Breitenecker, R.J. (2011). Factors influencing online banking adoption: evidence from the Austrian market, International Journal of Internet Marketing and Advertising, 6(4), https://doi.org/10.1504/IJIMA.2011.043655
11. Maditinos, D., Chatzoudes, D., Sarigiannidis, L (2013). An Examination of the Critical Factors Affecting Consumer Acceptance of Online Banking: A Focus on the Dimensions of Risk, Journal of Systems and Information Technology, 15(1), 97-116, https://doi.org/10.1108/13287261311322602.
12. Ben Mansour, K. (2016). An Analysis of Business’ Acceptance of Internet Banking: An Integration of E-Trust to the TAM, Journal of Business & Industrial Marketing, 31 (8), 982-994, https://doi.org/10.1108/JBIM-10-2016-271.
13. Al Khasawneh, M.H. (2015). An Empirical Examination of Consumer Adoption of Mobile Banking (M-Banking) in Jordan, Journal of Internet Commerce, 14(3), 341-362, DOI: 10.1080/15332861.2015.1045288.
14. Boateng, H., Rahman Adam, D., Feehi Okoe, A., Anning-Dorson, Th. (2016). Assessing the Determinants of Internet Banking Adoption Intentions: A Social Cognitive Theory Perspective, Computers in Human Behavior, 65, 468-478, https://doi.org/10.1016/j.chb.2016.09.017
15. Al-Fahim, N.H., Wan Jush, W.J., Abideen, A. (2014). Factors Affecting the Intention to Adopt Internet Banking Services Among Small and Medium Sized Enterprises in Yemen, Global Advanced Research Journal of Management and Business Studies, 3(9), 432-440.
16. Zahir and Gharleghi. (2014). Adoption of Internet Banking in Maldives, the Most Important Determinants, Asian Social Science, 11 (2), http://dx.doi.org/10.5539/ass.v11n2p181
17. Rahmati, F., Jamshidi Navid, B., AliShiri, Gh (2013). Factors Effective on the Adoption of Internet Banking (A Case Study ofIlam Province Banks), International Research Journal of Applied and Basic Sciences, 4(8), 2159-2164.
18. Susanto, A., Lee, H., Zo, H., P. Ciganek, A. (2012). User Acceptance of Internet Banking in Indonesia: Initial Trust formation, Information Development, 29(4), 309-322, https://doi.org/10.1177%2F0266666912467449
19. Chandio, F.H. (2011). Studying Acceptance Of Online Banking Information System: A Structural Equation Model, Ph.d Thesis, Brunel Business School, Brunel University London.
20. Kyere – Duodu, K., Yamoah, D.D. (2011). Adoption of Internet Banking among Ghanaian Consumers: A Study Using Decomposed Theory of Planned Behaviour, Master’s Thesis. Lulea University of Technology.
21. Baradaran, V. (2016). Factors Affecting Internet Banking by Legal Persons Based on the Development of Technology Acceptance Model (Case Study: Eghtesade Novin Bank), Quarterly of Technology Development Management, 3 (1).
22. Mehrdad, D., Mohammadi, Sh (2016). Word of Mouth Impact on the Adoption of Mobile Banking in Iran, Telematics and Informatics, 34(7), 1351-1363, https://doi.org/10.1016/j.tele.2016.08.009
23. Maduku (2013). Predicting Retail Banking Customers’ Attitude Towards Internet Banking Services in South Africa, Southern African Business Review, 17(3), 76-100, https://www.ajol.info/index.php/sabr/article/view/110928
24. Al-Ajam, A.S., Md Nor, Kh (2013). Predicting Internet Banking Adoption Determinants in Yemen Using Extended Theory of Reasoned Action, Research Journal of Applied Sciences, 8(5), 278-285.
25. Pattansheti, M., Kamble, S.S., Dhume, S.M., Raut, R.D. (2016). Development, Measurement and Validation of an Integrated Technology Readiness Acceptance and Planned Behaviour Model for Indian Mobile Banking Industry, International Journal of Business Information Systems, 22(3), https://doi.org/10.1504/IJBIS.2016.076875
26. Chandio, F.H., Irani, Z., Abbasi, M.Sh., Nizamani, H.A. (2013) Acceptance of Online Banking Information Systems: An Empirical Case in a Developing Economy, Behaviour & Information Technology, 32(7), 668-680, DOI: 10.1080/0144929X.2013.806593
27. Bashir, I., Madhavaiah, C (2015). Trust, Social Influence, Self-Efficacy, Perceived Risk and Internet Banking Acceptance: An Extension of Technology Acceptance Model in Indian Context, Metamorphosis, 14(1), 25-38, https://doi.org/10.1177%2F0972622520150105
28. Okonkwo, I (2012). Behavioral Intention to Adopt Internet Banking, Master's thesis, Lulea University of Technology.
29. Lule, I., Omwansa, TK., Waema, TM. (2012). Application of Technology Acceptance Model (TAM) in M-Banking Adoption in Kenya. International Journal of Computing and ICT Research, 6(1), 1-43. http://www.ijcir.org/volume6-number1/article4.pdf
30. Alsamydai, M.J. (2014). Adaptation of the Technology Acceptance Model (TAM) to the
Use of Mobile Banking Services. International Review of Management and Business Research, 3(4), 2016-2028.
31. Saibaba, S. and Murthy, T. Naryana (2013). Factors Influencing the Behavioural Intention to Adopt Internet Banking: An Empirical Study in India, Researchers World: Journal of Arts, Science and Commerce, 4(1), SSRN: https://ssrn.com/abstract=2515665
32. Hosein, N.Z (2009). Internet Banking: An Empirical Study of Adoption Rates Among Midwest Community Banks, Journal of Business & Economics Research, 7(11).
33. Yadav (2016). Active Drivers of Adoption of Internet Banking, Independent Journal Of Management & Production (IIM&P), 7(2), DOI: 10.14807/ijmp.v7i2.403
34. Faniran, A.O. and Odumeru, J.A (2015). Acceptance of Mobile Banking in Nigeria: A Modified TAM Approach, International Conference on eBusiness, eCommerce, eManagement, eLearning and eGovernance, 39-49.
35. Santouridis, I., Kyritsi, M (2014). Investigating the Determinants of Internet Banking Adoption in
36. Mwiya, B., Chikumbi, F., Shikaputo, Ch., Kabala, E., Kaulung’ombe, B., Siachinji, B (2017). Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia, 741-759, DOI: 10.4236/ajibm.2017.76053
37. Hashemian, M., Eisaee, M.T., Michaeili, F., Tabatabae, M, (2012). Factors affecting the acceptance of electronic banking tools by customers (Survey about Saman Bank), IT management Journal, 4(11): 155-174.
38. Teimouri, H., & Godarzi Chegeni, M, (2017). Investigating the Factors Affecting the Process of Forming Electronic Loyalty with the Mediating Role of Electronic Commitment (Case Study: Electronic Banking Industry in Iran), New marketing research, 4(27): 129-156.
39. Deng, Zh., Lu, Y., Deng, Sh., Zhang, J. (2010). Exploring User Adoption of Mobile Banking: An Empirical Study in China, International Journal of Information Technology and Management, 9(3), 289-301, https://econpapers.repec.org/scripts/redir.pf?u=http%3A%2F%2Fwww.inderscience.com%2Flink.php%3Fid%3D30945;h=repec:ids:ijitma:v:9:y:2010:i:3:p:289-301
40. Wang, Y.S., Wang, Y.M., Lin, H.H. and Tang, T.I.(2003). Determinants of User Acceptance of Internet Banking: An Empirical Study. International Journal of Service Industry Management, 14(5), 501 – 519.
41. Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. and Pahnila, S. (2004), Consumer acceptance of
online banking: an extension of the technology acceptance model, Internet Research,
14(3), 224-35.
42. Lagzian, M., Yaghma, S. (2011). Identifying and determining the effect of factors affecting admission electronic banking from the customer's point of view, Journal of Knowledge and Development (Scientific and Research), 17, 146-168.
43. Chatzoglou, P.D., Kamperidou, S.F., Vraimaki, E., Polychrou, E., Aggelidis, V.P., Diamantidis, A.D. (2014). Factors affecting the adoption of internet banking in Greece, International Journal of Applied Systemic Studies, 5(4), 290, http://dx.doi.org/10.1504/IJASS.2014.065694.
44. Zhou, T., Lu, Y., Wang, B. (2010). Integrating TTF and UTAUT to explain
mobile banking user adoption, Computers in Human Behavior, 26, 760–767.
45. Song, H.L. (2010). Customer Adoption of Internet Banking: An integration of TAM with Trust, Perceived Risk, and Quality, International Conference on Multimedia Information Networking and Security, https://ieeexplore.ieee.org/document/5670845/
46. Aldas-Manzano, J., Lassala-Navarre, C., Ruiz-Mafe, C., Sanz-Blas, S (2008). Key Drivers of Internet Banking Services Use, Online Information Review, 33(4), 672-695, https://doi.org/10.1108/14684520910985675
47. Luarn, P., Lin, H.H (2005), Toward An Understanding of the Behavioral Intention to Use Mobile Banking, Computers in Human Behavior, 21(6), 873–891, https://doi.org/10.1016/j.chb.2004.03.003
48. Lopez-Nicolas, C., Molina-Castillo, F.J., Bouwman, H (2008). An Assessment of Advanced Mobile Services Acceptance: Contributions from TAM and Diffusion Theory Models, Information & Management, 45(6), https://doi.org/10.1016/j.im.2008.05.001
49. Chau, P.Y.K., Lai, V.S.K (2003). An Empirical Investigation of the Determinants of User Acceptance of Internet Banking, Journal of Organizational Computing and Electronic Commerce, 13(2), 123-145. https://doi.org/10.1207/S15327744JOCE1302_3
50. Zolait, A., Sulaiman, A. (2008). Incorporating the Innovation Attributes Introduced by Rogers’ Theory into Theory of Reasoned Action: An Examination of Internet Banking Adoption in Yemen, Computer and Information Science 1(1), 36-51.
51. Kim, G., Shin, B., & Lee, H. G. (2009). Understanding Dynamics Between Initial Trust and Usage Intentions of Mobile Banking. Information Systems Journal, 19(3), 283–311. https://doi.org/10.1111/j.1365-2575.2007.00269.x
52. Vainio, H.M. (2006). Factors Influencing Corporate Customers’ Acceptance of Internet Banking: Case of Scandinavian Trade Finance Customers, Master's Thesis.
53. Zahid, N., Mujtaba, A., Riaz, A. (2010). Consumer Acceptance of Online Banking, European Journal of Economics, Finance and Administrative Sciences, 27.
54. Hernandez, J.M., and Mazzon, J.A. (2007). Adoption of internet banking: proposition and implementation of an integrated methodology approach, International Journal of Bank Marketing, 25(2), 72-88. http://dx.doi.org/10.1108/02652320710728410
55. Joshua A. J. (2009). Adoption Of Technology-Enabled Banking Self-Services: Antecedents And Consequences, Ph.d Thesis, Cochin University Of Science And Technology.
56. Chong, A.Y.L., Ooi, K.B., Lin, B., Tan, B.I. (2010). Online Banking Adoption: An Empirical Analysis, International Journal of Bank Marketing, 28(4), 267-287, https://doi.org/10.1108/02652321011054963
57. Fishbein, M.A., Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An introduction to theory and research, Addison-Wesley (1 Junio 1975).
58. Al-Somali, S.A., Gholami, R., Clegg, B (2009). Investigation Into the Acceptance of Online Banking in Saudi Arabia, Technovation, 29(2), 130-141, https://doi.org/10.1016/j.technovation.2008.07.004
59. Kesharwani, A., Singh Bisht, Sh (2011). The Impact of Trust and Perceived Risk on internet Banking Adoption in India An extension of Technology Acceptance Model, International Journal of Bank Marketing, 30(4), 303-322, https://doi.org/10.1108/02652321211236923
60. Elahi, Sh., Ghanbari, H., Shayan, A. (2013). Determining the Factors Affecting Adoption of Mobile Banking Technology by Customers, Journal of Business Research, 63, 27-49.
61. Amin, H., Baba, R., Muhammad, M.Z. (2007). An Analysis of Mobile Banking Acceptance By Malaysian Customers, Sunway Academic Journal, https://www.researchgate.net/publication/277166512_An_analysis_of_mobile_banking_acceptance_by_Malaysian_customers.
62. Kumar Sharma, S., Sharma, M, (2019). Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation, International Journal of Information Management 44:65-75. Available on: DOI: 10.1016/j.ijinfomgt.2018.09.013.
63. Sanmugam, A (2007). Factors Determining Consumer Adoption of Internet Banking. https://dx.doi.org/10.2139/ssrn.1021484
64. Chau, P.Y.K., Lai, V.S.K (2003). An Empirical Investigation of the Determinants of User Acceptance of Internet Banking, Journal of Organizational Computing and Electronic Commerce, 13(2), 123-145, DOI: 10.1207/S15327744JOCE1302_3
65. Mosakhani, M., Gharakhani, D. (2015). Investigating the Effective Factors on Electronic Banking Acceptance (Case Study: Saderat Bank Of Zanjan Province). Quantitative Studies in Management, 5(4), 103-116. http://www.sid.ir/fa/journal/ViewPaper.aspx?ID=253600
66. Ajzen, I. (1991), The Theory of Planned Behavior, Organizational Behavior and Human Decision Processes, 50(2), 179-211, https://doi.org/10.1016/0749-5978(91)90020-T
67. Eagly, A H., Chaiken, S. (1993), The Psychology of Attitudes, Harcourt Brace College Publishers, Fort Worth, TX
68. Curran, J.M., Meuter, M. L., Surpernant, C.F. (2003). Intentions to Use Self-Service Technologies: A Confluence of Multiple Attitudes, Journal of Service Research, 5(3), 209-224. https://doi.org/10.1177%2F1094670502238916
69. Davis, F. D., Bagozzi, R. P. and Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35 (8), 982-1003.
70. Oh, S., Ahn, J., Kim, B. (2003). Adoption of Broadband Internet in Korea: The role of Experience in Building Attitude, Journal of Information Technology, 18(4), 267-80. https://www.tandfonline.com/doi/abs/10.1080/0268396032000150807
71. Bagozzi, R,P. (2007). The Legacy of the Technology Acceptance Model and a Proposal for a Paradigm Shift. Journal of the Association for Information Systems, 8, 244-254.
72. Dash, M., Mohanty, A.K., Pattnaik, S., Mohapatra, R.Ch., Sahoo, D.S., (2011). Using the TAM Model to Explain How Attitudes Determine Adoption of Internet Banking, European Journal of Economics, Finance and Administrative Sciences, 36.
73. Kerti Yasa, N.N., Ayu Ratnaningrum, L.P.R., Sukaatmadje, P.G. (2014). The Application of Technology Acceptance Model on Internet Banking Users In The City of Denpasar. Jurnal Manajemen dan Kewirausahaan, 16(2), https://doi.org/10.9744/jmk.16.2.93-102
74. Rosenthal, R., Dematteo, M. R. (2001). Meta-Analysis: Recent Developments in Quantitative Methods for literature reviews. Advances in Measurement and Data Analysis, 52, 59-82. https://doi.org/10.1146/annurev.psych.52.1.59.
75. Souissi, M., Khlif , H. (2012). Meta-analytic review of disclosure level and cost of equity capital. International Journal of Accounting & Information Management, 20(1), 49 – 62.
76. Ghorbanizade, V., Hassannangir, S.T., Roodsaz, H. (2013). Meta-analysis of the Factors Affecting the Adoption of Information Technology in Iran, Management Studies in Iran, 17(2)
77. Bronestein, M., Hedges, L., Higgins, J., & Rothstein, H. (2004). Comprehensive Meta-Analysis Manual. Available at: www.meta-analysis.com /downloads/meta-analysis-manual.pdf.
78. Salihu, A., Metin, H, (2019). The Effect pf Security and Ease of Use on reducing problems/deficiencies of Electronic Banking Services, IFAC-PapersOnLine, 52(25): 159-163.
79. Chmielarz, W., Zborowski, M. (2020). A Hybrid Method of Assessing Individual Electronic Banking Services in 2019. The Case of Poland, Procedia Computer Science, 176: 3881-3889.
Asgarnezhad Nouri,B. , Soltani,M. and Beigi firoozi,A. (2021). Factors Affecting the Adoption of Electronic Banking Technology: A Meta-Analytic Approach. Management Research in Iran, 25(1), 184-214.
MLA
Asgarnezhad Nouri,B. , Soltani,M. , and Beigi firoozi,A. . "Factors Affecting the Adoption of Electronic Banking Technology: A Meta-Analytic Approach", Management Research in Iran, 25, 1, 2021, 184-214.
HARVARD
Asgarnezhad Nouri,B.,Soltani,M.,Beigi firoozi,A. (2021). 'Factors Affecting the Adoption of Electronic Banking Technology: A Meta-Analytic Approach', Management Research in Iran, 25(1), pp. 184-214.
CHICAGO
B. Asgarnezhad Nouri, M. Soltani and A. Beigi firoozi, "Factors Affecting the Adoption of Electronic Banking Technology: A Meta-Analytic Approach," Management Research in Iran, 25 1 (2021): 184-214,
VANCOUVER
Asgarnezhad Nouri,B.,Soltani,M.,Beigi firoozi,A. Factors Affecting the Adoption of Electronic Banking Technology: A Meta-Analytic Approach. Management Research in Iran, 2021; 25(1): 184-214.
