Purpose

This study is a systematic review of mobile banking services. Its main objective is to provide a state-of-the-art review of this particular growing type of services. It inventories and assesses the most significant determinants of and barriers to consumers' adoption of mobile banking. Moreover, it identifies the most common consequences of this adoption.

Design/methodology/approach

By using three major academic databases (ABI/INFORM global, Web of Science and Business Source Premier), this paper selected 76 manuscripts and produced a systematic review that exposes the main theories, conceptual frameworks and models used to explain consumers' adoption of mobile banking.

Findings

The results show that the TAM (technology of acceptance model), followed by the UTAUT (unified theory of acceptance and usage of technology), are still the main conceptual frameworks and models adopted and adapted by scholars to explain consumers' use or intention of using mobile banking. Using the vote counting method, a myriad of antecedents and consequences that are frequently used in the literature of mobile banking are reported. These were categorized into five main perspectives: (1) m-banking attributes-based perspective, (2) customer-based perspective, (3) social influence-based perspective, (4) trust-based perspective and (5) barriers-based perspective.

Originality/value

An integrated model regrouping and relating the five perspectives is proposed, leading to intriguing implications for both academics and practitioners.

中文翻译：

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手机银行的采用：系统回顾

目的

这项研究是对移动银行服务的系统评价。其主要目的是针对这种特殊的增长类型的服务提供最新的评论。它清点并评估了消费者采用移动银行的最主要决定因素和障碍。此外，它确定了这种采用最常见的后果。

设计/方法/方法

通过使用三个主要的学术数据库（ABI / INFORM global，Web of Science和Business Source Premier），本文选择了76篇论文，并进行了系统的综述，揭示了用于解释消费者采用移动银行的主要理论，概念框架和模型。 。

发现

结果表明，TAM（接受模型的技术），其次是UTAUT（接受和技术的统一理论），仍然是学者用来解释消费者使用或使用意图的主要概念框架和模型。手机银行。使用投票计数方法，报告了移动银行文献中经常使用的无数先例和后果。这些分为以下五种主要观点：（1）基于移动银行属性的观点，（2）基于客户的观点，（3）基于社会影响力的观点，（4）基于信任的观点和（5）基于障碍的观点看法。

创意/价值

提出了将五个观点重新组合并联系起来的集成模型，这对学者和从业者都产生了有趣的影响。