Evolution of modified TAM associated with e-banking services adoption: a systematic PRISMA review from 1975 to 2021

Abstract

Purpose This paper aims to review and highlight the gaps in the research streams of the technological acceptance model (TAM) associated with e-banking services. The introduction of TAM as a decision-making process from individual and organizational perspectives is the core purpose of this paper. Design/methodology/approach This study is based on concept-centric reviews and synthesizing of previous research. Data are extracted from a systematic literature review published from 1975 to 2021 under the preferred reporting items for systematic review and meta-analyses statement. Findings This review explored that theory of reasoned action and theory of planned behavior are the basic theories proceeding to TAM evolution. TAM has been extended to its three versions, which are designed and modified for different contexts and cultures. Previously, the risk-return approach, theory of trust and perceived value were the major constructs or modifications in TAM. Now, TAM has been designed for measuring customers’ perception of any technological advancement. Research limitations/implications This review is limited to major additive constructs in modified TAM concerning e-banking services, which can be expanded to different cultures and contexts. This study sketched TAM as a decision-making model associated with the factors influencing any technological advancement. So, the proposed conceptual framework is applicable for the behavioral analysis of technological adoption from individual and organizational perspectives in any field. Originality/value This review designed a bi-dimensional conceptual model of TAM as a decision-making process for e-services that has not been identified yet in any study from organizations’ and customers’ perspectives.