A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture

•We examined 364 effect sizes reported in 127 m-banking studies that were conducted in 39 countries from 2004 to 2020.•A UTAUT based model is tested through meta-analysis.•All direct relationships were found to be significant.•Sample size moderates the linkage between facilitating conditions and usage intention.•Culture moderates the relationship between effort expectancy and usage intention. In the last few years, several studies have examined the predictors of mobile banking (m-banking) adoption using the unified theory of acceptance and use of technology (UTAUT). However, contradictory results in some of the UTAUT relationships were found in the existing literature. Therefore, we aim to clarify and synthesize the empirical findings from the m-banking studies published since 2004 by conducting weight and meta-analysis with a focus on the UTAUT theory. We also seek to identify the roles of moderating variables on each UTAUT path. A total of 364 path coefficients from 127 studies were relevant for data analysis. CMA software V3 was employed to combine the effect sizes. All UTAUT relationships were found to be significant. Performance expectancy emerged as the strongest antecedent of usage intention. We also find that usage intention is the most critical predictor of use behavior. It was also revealed that sample size and culture significantly moderated the linkages between facilitating conditions and usage intention, effort expectancy and usage intention, and usage intention and use behavior. Theoretical contributions and managerial implications are also discussed toward the end.