| NO: | Author | Study Title | Study Results |
| 1 | | Factors affecting adoption and use of mobile banking services in Zambia based on TAM models | The study suggested that there is a positive relationship between use of e-banking services and perceived ease of use, usefulness, attitudes, external factors, intention, system use |
| 2 | | Factors Driving the Adoption of E-banking Services Based on the UTAUT Model | Performance expectancy is the key to adoption of E-banking services in Zambia |
| 3 | | Impact of Mobile Banking on Service Delivery in the Nigerian Commercial Banks | The results of the findings shows that Mobile banking improve banks service delivery in a form of transactional convenience, savings of time, quick transaction alert and save of service cost which has recuperate customer’s relationship and satisfaction |
| 4 | | Determinants of consumers’ intention to adopt mobile banking services in Zimbabwe | Perceived ease of use was found to positively influence perceived usefulness, while perceived self-efficacy was found to have a positive effect on perceived ease of use. Behavioural intention was found to positively influence usage of mobile banking services in Zimbabwe. |
| 5 | | Adoption of internet banking services by corporate customers for forex transactions based on the TRA Models. | There is a very strong relationship between internet banking and performance expectation, control factor and social influence |
| 6 | | A model for improving e-tax adoption in the rural of Zambia based on the TAM models. | E-tax payment and submission systems is convenient and less costly for those in the rural areas but there is however, greater need to enhance sensitization |
| 7 | | Examining Factors Influencing E-Banking Adoption: Evidence from Bank Customers in Zambia | The modified TAM model indicated its usefulness e-banking adoption |
| 8 | | An assessment of the impact of mobile financial services on Financial inclusion and economic development in Zambia | Financial inclusion is an important aspect of economic development in developing countries. ICT infrastructure is key to spearhead such development |
| 9 | | An Analysis of the Impact of Online Banking on Customer Satisfaction in Commercial Banks Based on the TRA Model (A Case Study of Stanbic Bank Lusaka Main Branch). | In the quest to increase customer satisfaction, the banks need to consider the customer service delivery of the internet banking in its strategic planning if it is to maintain or grow its customer base. |
| 10 | | “Understanding Consumers’ Behaviour: Can Perceived Risk Theory Help?”, Management Decision. | Perceived risk influences every stage of the consumer decision-making process and the challenge is for marketers to use this knowledge to gain a competitive advantage. |
| Gap | None of the studies addressed the low usage of Online Banking platforms by the corporate clients in Zambia’s Commercial Banks based on the theory of perceived risk and technology (TPR MODEL) | ||