Table 1 Research pertaining to the application of ECM and ECT in mobile banking.

Yuan et al. (2016)

TAM, ECM, task-technology fit

Perceived task-technology fit, perceived risk, perceived ease of use, gender

1. Perceived usefulness, perceived task-technology fit, and perceived risk are the main factors that affect users continued use intentions.

2. Perceived usefulness is affected by perceived ease of use and perceived task-technology fit.

3. Gender significantly moderates the effect of perceived risk on users’ continued use intentions.

Susanto et al. (2016)

ECM

Perceived security and privacy, trust, self-efficacy

1. Perceived usefulness and self-efficacy foster users’ continued willingness to use the technology.

2. User confirmation after first use of mobile banking significantly affects perceived security, privacy, and usefulness, trust and satisfaction.

3. Trust increases satisfaction, while perceived security and privacy affect trust to some degree.

4. Perceived usefulness enhances trust and satisfaction.

Kumar et al. (2018)

ECT, Self-determination theory

Quality, trust, intrinsic regulation, identified regulation, introjected regulation, external regulation, integrated regulation

1. Users’ continued intention to use mobile banking is affected by introjected regulation, intrinsic regulation, external regulation, identified regulation and integrated regulation.

2. Satisfaction is influenced by confirmation of expectations, trust and quality.

3. Satisfaction significantly affects introjected regulation, intrinsic regulation, external regulation, identified regulation and integrated regulation.

4. Quality increases user confirmation of expectations.

Hidayat-ur-Rehman et al. (2021)

UTAUT2, ECM

Perceived ubiquity, perceived autonomy, facilitating conditions, trust, perceived security concerns, effort expectancy

1. Perceived ubiquity, perceived usefulness, satisfaction, facilitating conditions, perceived security concerns, and trust directly strengthen users’ continued use of mobile banking.

2. Confirmation is positively affected by perceived ubiquity, perceived autonomy and effort expectancy, but perceived security concerns reduce users’ confirmation in the context of mobile banking.

3. Effort expectancy and trust foster users’ continued use intentions via users’ perceived usefulness and satisfaction, respectively.

4. Users’ perceptions of mobile banking autonomy enhance their perception of usefulness and their satisfaction with mobile banking.

5. Perceived security concerns decrease trust and satisfaction and indirectly affect users’ mobile banking continued willingness.

6. Perceived ubiquity and facilitating conditions increase perceived usefulness and user satisfaction, respectively.

Sinha and Singh (2022)

ECT, Hedonic adaptation Theory

Perceived performance, hedonic adaptation

The use of mobile banking services increases customer satisfaction and continued willingness to use the technology by decreasing the speed of hedonic adaptation.