A meta-analysis of trust in mobile banking: the moderating role of cultural dimensions

Abstract

Purpose

In mobile banking (m-banking), knowing and understanding trust-related factors can enable bank managers to design suitable strategies for enhancing its overall uptake. Based on this premise, the present study assesses the relationship of trust in m-banking with technology acceptance and use factors, quality factors, risk factors and a personal factor as well as behavioral outcomes. The study further investigates the moderating influence of Hofstede’s cultural dimensions on these relationships.

Design/methodology/approach

The present study synthesizes the outcomes of 63 quantitative studies on trust in m-banking by using the meta-analysis technique.

Findings

The study finds a significant relationship of trust in m-banking with technology acceptance and use factors, quality factors, risk factors, a personal factor and behavioral outcomes. Additionally, Hofstede’s cultural dimensions, namely power distance, individualism/collectivism, masculinity/femininity and uncertainty avoidance, significantly moderate the majority of the hypothesized relationships.

Research limitations/implications

By reviewing the extant literature, this study provides a comprehensive framework that explains the antecedents and behavioral outcomes of trust in m-banking and determines how these relationships effectively vary across cultures.

Practical implications

The study helps m-banking service providers to understand how trust in m-banking can be enhanced. The study also shows which factors are more impactful in a particular culture.

Originality/value

This is an original study that contributes to the m-banking marketing literature.

Citation

Kumar, P., Chauhan, S., Gupta, P. and Jaiswal, M.P. (2023), "A meta-analysis of trust in mobile banking: the moderating role of cultural dimensions", International Journal of Bank Marketing, Vol. 41 No. 6, pp. 1207-1238. https://doi.org/10.1108/IJBM-02-2022-0075