基于使用TAM模型的移动银行采用研究分析——以2015年至2020年国际期刊为例

The Analysis of the TAM-Based Mobile Banking Adoption Studies—Taking International Journals from 2015 to 2020 as Examples

随着互联网技术发展的不断深入,传统金融业在移动、安全的基础上利用了互联网技术,在这样的背景下移动银行受到众多关注。在研究移动银行采用上,技术接受模型(Technology acceptance model, TAM)被普遍应用。现有文献加了许多其他变量来扩展TAM的解释力在了解移动银行采用上。然而,目前研究缺少对于TAM及其扩展变量系统性的研究。因此,本文根据2015年至2020年7月27篇文献对现有的移动银行采用中基于TAM的研究进行了综合分析,整理出TAM扩展的变量共37个。本研究把这些变量整合为一个由六部分组成的技术接受理论框架。此外,本文指出了现有文献的局限性并为后续研究提出了几点建议,希望帮助我们更好地理解移动银行的采用,并对银行机构开展移动银行业务提供实践参考意义。

With the continuous development of Internet technology, the traditional financial industry has used Internet technology on the basis of mobile and security. In this context, mobile banking has received much attention. In studying the adoption of mobile banking, the technology acceptance model (TAM) is widely used. The existing literature adds many other variables to expand the ex-planatory power of TAM in understanding the adoption of mobile banking. However, the current research lacks systematic research on TAM and its extended variables. Therefore, based on 27 articles from 2015 to July 2020, this paper conducts a comprehensive analysis of the existing TAM-based research in the adoption of mobile banking, and summarizes 37 TAM-expanded va-riables. This study then integrates these variables into a six-part technical acceptance theoretical framework to help us further understand the adoption of mobile banking. Finally, this study highlights the limitations of the existing literature and provides several suggestions for follow-up research as well as offers practical guidance for banking institutions to conduct mobile banking services.