Comparative Analysis of TAM and UTAUT Models for Digital Technology Adoption in Banking: A Meta-Regression Approach

This study aims to compare the role of perceived usefulness (PU) and perceived ease of use (PEU) between the TAM and UTAUT model in shaping behavioral intentions (BI) and predicting actual use (AU) of banking technology. A meta-regression analysis was conducted on 52 empirical studies that met the inclusion criteria, with the results showing that the UTAUT model is significantly superior to TAM. PU and PEU in UTAUT had a stronger influence on BI than in TAM. In addition, the relationship between BI and AU was stronger in UTAUT. This study provides theoretical contributions by strengthening the evidence of UTAUT's superiority, as and practical implications for the banking industry in designing more applicable technology adoption strategies