Abstract:
Purpose: Mobile phones and the Internet are two technological breakthroughs
that have had a considerable impact on the industry in recent decades. With the
increasing rise of mobile phones, mobile services have emerged as a possible
alternative for several industries, including banking. The growing need for self-service, product, and service personalization has spurred the expansion of the
mobile banking industry. Technological improvements have resulted in a variety
of valuable mobile banking features, including real-time customer service,
adaptable interfaces, and prompt transactions. Bank customers can now make
banking transactions from anywhere in the world in fractions of seconds. The
purpose of this literature review is to emphasize the importance of the Technology
Acceptance Model (TAM) in mobile banking.
Design/Methodology/Approach: This study used several databases and relevant
key phrases to identify published articles related to the Technology Acceptance
Model in Mobile Banking. Empirical research and studies based on the
Technology Acceptance Model (TAM) was conducted to evaluate mobile
banking and technology acceptance.
Findings: According to academic literature, the TAM model's primary
constructs, such as perceived utility, perceived ease of use, quality, credibility,
compatibility, and attitude toward using mobile banking, were applied to various
technologies and confirmed their strength and significance in the context of
mobile banking.
Practical Implications: The findings of this study provide valuable insights into
the adoption and usage of mobile banking by bank customers. The practical
implications include the development of mobile banking features, adaptable
interfaces, and real-time customer service that caters to customers' needs and
preferences.
Research Limitations: This study is limited to a literature review approach, and
the results are based on existing published research. Future research could include
empirical studies to further validate the findings of this literature review.
Originality/Value: This literature review highlights the significance of the
Technology Acceptance Model (TAM) in the context of mobile Banking, and its
practical implications for the banking industry. The study provides valuable
insights into mobile banking adoption and usage, which could benefit researchers,
practitioners, and policymakers.
