Health, Social, and Technology Drivers of Mobile Banking and Digital Payment Use: A Systematic Review and Research Agenda

HRMARS - Mobile banking is now a standard channel for payments and account management, yet usage remains uneven across customer groups. Evidence on what drives actual use is dispersed across technology acceptance research, fintech trust and risk studies, and work on disruption-driven behavior. This systematic review brings these strands together and examines how disruptions such as the coronavirus disease 2019 (COVID-19) pandemic can reshape the determinants of mobile banking and closely related digital payment usage. Database searches (Scopus, Web of Science, and Google Scholar) covering 2000 to January 2026 identified peer-reviewed empirical studies, which were screened using Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) procedures. The evidence is organized into six determinant families: technology beliefs and channel features; trust, security, privacy, and perceived risk; social and institutional influence; enabling resources and digital capability; disruption-related threat and coping appraisals; and post-adoption dynamics (satisfaction and habit). Across contexts, perceived usefulness and perceived ease of use show the most consistent associations with usage, while facilitating conditions and perceived risk often become more salient during disruptions. An integrative framework is proposed to connect disruption appraisals with technology beliefs and usage and to guide more comparable measurement and stronger causal designs in future research.