Rethinking Meta-Analytic Evidence in TAM-Based Research: From Pooled Effects to Generalizability in E-Banking Contexts

The Technology Acceptance Model (TAM) has been widely used to explain e-banking and digital technology adoption. Existing literature supports the robustness of its core relationships, but the magnitude of the effects varies considerably across studies, raising questions about their stability and generalizability in new contexts. Existing meta-analysis studies focus primarily on pooled effect sizes, providing limited insight into the temporal stability of relationships, their sensitivity to individual studies, and the extent to which observed heterogeneity reflects contextual variation. This study contributes by reinterpreting heterogeneity not as a problem to be reduced, but as a feature that defines the limits of generalizability. We advance the TAM literature by moving beyond average effects and rethinking empirical evidence through the joint lens of robustness, stability, and dispersion. We conduct a random-effects meta-analysis on 44 effect sizes (correlation coefficients) coming from 43 research papers indexed in Web of Science and Scopus. In addition to pooled correlations, the analysis employed cumulative meta-analysis, leave-one-out influence diagnostics, prediction intervals, and publication bias assessments to evaluate the evolution, consistency, and variability of TAM relationships across contexts. The findings show that core TAM relationships are consistently positive and stable at the aggregate level yet display substantial variation across empirical settings. While some relationships remain robust across contexts, others exhibit prediction intervals that include zero, indicating that their strength and even direction may depend on contextual conditions. As prior TAM meta-analyses have not systematically incorporated prediction intervals, this study provides new evidence to the extent to which TAM relationships generalize beyond average effects. The results further show that although TAM offers a reliable structural framework, interventions and policies based on its core relationships must be context-sensitive, because relying on average effects alone may lead to ineffective or inconsistent adoption outcomes.