Literature review of mobile banking and individual performance

Research output: Contribution to journalReview articlepeer-review

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Purpose: Most empirical studies of m-banking seek to understand the factors and motivations that influence the adoption or behaviour intention. The purpose of this paper is to focus on analysing and synthesising existing studies and make recommendations to researchers and practitioners. Design/methodology/approach: Few papers focus on the m-banking use and individual performance, but on the determinants of adoption measures, instead. This research examines 64 journal articles published between 2002 and 2016 in top journals. Following a comprehensive review of the literature, the authors propose a research agenda. Findings: The importance of use and individual performance has long been recognised by academics and practitioners in a variety of functional disciplines. The present review indicates that the topics of m-banking adoption and behavioural intention dominate the majority of research, but finds very few studies on post-adoption. The two most significant drivers of intentions to adopt m-banking are perceived ease of use and perceived usefulness. Considering several m-banking definitions, the authors propose a new, broader definition that takes into account the technological changes that have occurred over time. m-banking is a service or product offered by financial institutions that makes use of portable technologies. Originality/value: This paper assembles this diverse body of knowledge into a coherent whole. The authors expect that this review will be of benefit to anyone interested in m-banking research and that it will help to stimulate further interest. In order to advance research in m-banking, future research should consider other theories uncovered in our findings.

Original languageEnglish
Pages (from-to)1042-1065
Number of pages24
JournalInternational Journal of Bank Marketing
Issue number7
Publication statusPublished - 2017


  • Individual performance
  • IS success
  • m-banking
  • m-banking definition evolution
  • m-banking theory framework
  • TTF


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