[
Ajzen, I. (1991), “The theory of planned behavior”, Organizational Behavior and Human Decision Processes, Vol. 50 No. 2, pp. 179-211.10.1016/0749-5978(91)90020-T
]Search in Google Scholar
[
Alalwan, A.A., Dwivedi, Y.K., Rana, N.P., Lal, B. and Williams, M.D. (2015), “Consumer adoption of internet banking in Jordan: examining the role of hedonic motivation, habit, self-efficacy and trust”, Journal of Financial Services Marketing, Vol. 20 No. 2, pp. 145-157.10.1057/fsm.2015.5
]Search in Google Scholar
[
Aljawder, M. and Abdulrazzaq, A. (2019), “The effect of awareness, trust, and privacy and security on students’ adoption of contactless payments: an empirical study”, International Journal of Computing and Digital Systems, Vol. 8 No. 6, pp. 669-676.10.12785/ijcds/080614
]Search in Google Scholar
[
Almaiah, M.A. (2018) ‘Acceptance and usage of a mobile information system services in University of Jordan’, Education and Information Technologies, pp.1–23 [online] https://doi.org/10.1007/s10639-018-9694-6.
]Search in Google Scholar
[
Bachas, P., Paul, G. and Sean, H. (2016), “Banking on trust: how debit cards help the poor to save more”, Working Paper.10.3386/w23252
]Search in Google Scholar
[
Barnes, S (2002). The mobile commerce value chain: analysis and future developments. International Journal of Information Management. 22(2), 91-10810.1016/S0268-4012(01)00047-0
]Search in Google Scholar
[
Basri, S. (2018), “Determinants of adoption of mobile banking: evidence from rural Karnataka in India”, International Journal of Trade and Global Markets, Vol. 11 Nos 1-2, pp. 77-86.10.1504/IJTGM.2018.092490
]Search in Google Scholar
[
Beck, T., Demirgu¨c¸–Kunt, A. and Martinez Peria,M.S. (2008), “Banking services for everyone? Barriers to bank access and use around the world”, The World Bank Economic Review, Vol. 22 No. 3, pp. 397-430.10.1093/wber/lhn020
]Search in Google Scholar
[
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India–An empirical study. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-09-2018-0256. 11 No. 1, pp. 22-40, available at: https://doi.org/10.1108/JABS-11-2015-0191
]Search in Google Scholar
[
Dootson, P., Beatson, A. and Drennan, J. (2016), “Financial institutions using social media – do consumers perceive value?”, The International Journal of Bank Marketing, Vol. 34 No. 1, pp. 9-36.10.1108/IJBM-06-2014-0079
]Search in Google Scholar
[
Fakhoury, R. and Baker, D.S. (2016), “Governmental trust, active citizenship, and e-government acceptance in Lebanon”, Journal of Leadership, Accountability and Ethics, Vol. 13 No. 2, pp. 36-52.
]Search in Google Scholar
[
Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Addison-Wesly, Boston, MA.
]Search in Google Scholar
[
Goodhue, D.L. and Thompson, R.L. (1995), “Task-technology fit and individual performance”, MIS Quarterly, Vol. 19 No. 2, pp. 341-35610.2307/249689
]Search in Google Scholar
[
Gupta, S. D., Raychaudhuri, A., & Haldar, S. K. (2018). Information technology and profitability: evidence from Indian banking sector. International Journal of Emerging Markets.10.1108/IJoEM-06-2017-0211
]Search in Google Scholar
[
Hanafizadeh, P., Behboudi, M., Koshksaray, A.A. and Tabar, M.J.S. (2014), “Mobile-banking adoption by iranian bank clients”, Telematics and Informatics, Vol. 31 No. 1, pp. 62-78.10.1016/j.tele.2012.11.001
]Search in Google Scholar
[
Humbani, M. and Wiese, M. (2018), “A cashless society for all: determining consumers’ readiness to adopt mobile payment services”, Journal of African Business, Vol. 19 No. 3, pp. 409-429.10.1080/15228916.2017.1396792
]Search in Google Scholar
[
Hughes, D. L., Dwivedi, Y. K., Rana, N. P. & Simintiras, A. C. (2016). Information systems project failure–analysis of causal links using interpretive structural modelling. Production Planning & Control, 27(16), 1313-1333.10.1080/09537287.2016.1217571
]Search in Google Scholar
[
Ivatury, G. andMas, I. (2008), The Early Experience with Branchless Banking, CGAP, Washington, DC.
]Search in Google Scholar
[
Jun, J., Cho, I. and Park, H. (2018), “Factors influencing continued use of mobile easy payment service: an empirical investigation”, Total Quality Management and Business Excellence, Vol. 29 Nos 9-10, pp. 1043-105710.1080/14783363.2018.1486550
]Search in Google Scholar
[
Keswani, S. and Chaturvedi, M. (2010), “Impact of customer’s awareness on their satisfaction: a study on e-banking in Gwalior City”, SIES Journal of Management, Vol. 6 No. 2, pp. 81-93.
]Search in Google Scholar
[
Killian, D., Kabanda, S. and Kilian, D. (2017), “Mobile payments in South Africa: middle income earners’ perspective”, Pacific Asia Conference On Information Systems (PACIS), Association For Information System, p. 53.
]Search in Google Scholar
[
Koivisto, K., Makkonen, M., Frank, L., & Riekkinen, J. (2016). Extending the technology acceptance model with personal innovativeness and technology readiness: a comparison of three models. BLED 2016: Proceedings of the 29th Bled eConference” Digital Economy”, ISBN 978-961-232-287-8.
]Search in Google Scholar
[
Koksal, M.H. (2016), “The intentions of Lebanese consumers to adopt mobile banking”, The International Journal of Bank Marketing, Vol. 34 No. 3, pp. 327-346.10.1108/IJBM-03-2015-0025
]Search in Google Scholar
[
Koloseni, D. and Mandari, H. (2017), “Why mobile money users keep increasing? Investigating the continuance usage of mobile money services in Tanzania”, Journal of International Technology and Information Management, Vol. 26 No. 2, pp. 117-145.10.58729/1941-6679.1312
]Search in Google Scholar
[
Laukkanen, T. and Pasanen, M. (2007), “Mobile banking innovators and early adopters: how they differ fromother online users?”, Journal of Financial Services Marketing, Vol. 13 No. 2, pp. 86-94.10.1057/palgrave.fsm.4760077
]Search in Google Scholar
[
Liu, Y., Segev, S., & Villar, M. E. (2017). Comparing two mechanisms for green consumption: cognitive-affect behavior vs theory of reasoned action. Journal of Consumer Marketing.10.1108/JCM-01-2016-1688
]Search in Google Scholar
[
Malaquias, R.F. and Hwang, Y. (2016), “An empirical study on trust in mobile banking: a developing country perspective”, Computers in Human Behavior, Vol. 54, January, pp. 453-461.10.1016/j.chb.2015.08.039
]Search in Google Scholar
[
Moorthy, K., Ling, C.S., Fatt, Y.W., Yee, C.M., Yin, E.C.K., Yee, K.S. and Wei, L.K. (2017), “Barriers of mobile commerce adoption intention: perceptions of generation X in Malaysia”, Journal of Theoretical and Applied Electronic Commerce Research, Vol. 12 No. 2, pp. 37-53.10.4067/S0718-18762017000200004
]Search in Google Scholar
[
Moorthy, K., T’ing, L.C., Yee, K.C., Huey, A.W., In, L.J., Feng, P.C. and Yi, T.J. (2019), “What drives the adoption of mobile payment? A Malaysian perspective”, International Journal of Finance and Economics, Vol. 25 No. 3, pp. 349-364.10.1002/ijfe.1756
]Search in Google Scholar
[
Mostafa, A. A., & Eneizan, B. (2018). Factors affecting acceptance of mobile banking in developing countries. International Journal of Academic Research in Business and Social Sciences, 8(1), 340-351.10.6007/IJARBSS/v8-i1/3812
]Search in Google Scholar
[
Munoz-Leiva, F., Climent-Climent, S. and Li_ebana-Cabanillas, F. (2017), “Determinants of intention to use the mobile banking apps: an extension of the classic TAM model”, Spanish Journal of Marketing-ESIC, Vol. 21 No. 1, pp. 25-38.10.1016/j.sjme.2016.12.001
]Search in Google Scholar
[
Park, M., Jun, J. and Park, H. (2017), “Understanding mobile payment service continuous use intention: an expectation-confirmation model and inertia”, Quality Innovation Prosperity, Vol. 21 No. 3, pp. 78-94.10.12776/qip.v21i3.983
]Search in Google Scholar
[
Phuah, K.T., TingJL, J.L. and Wong, K.K.S. (2018), “Understanding customer intention to use mobile payment services in Nanjing, China”, International Journal of Community Development and Management Studies, Vol. 2, pp. 49-60.
]Search in Google Scholar
[
RBI (2014), “Operating guidelines for payments banks”, [Online] available at: www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=32615
]Search in Google Scholar
[
Salloum, S.A. and Shaalan, K. (2018) ‘Factors affecting students’ acceptance of e-learning system in higher education using UTAUT and structural equation modeling approaches’, in International Conference on Advanced Intelligent Systems and Informatics, pp.469–480, Springer.10.1007/978-3-319-99010-1_43
]Search in Google Scholar
[
Sánchez-Torres, J. A., Sandoval, A. V., & Alzate, J. A. S. (2018). E-banking in Colombia: factors favouring its acceptance, online trust and government support. International Journal of Bank Marketing.10.1108/IJBM-10-2016-0145
]Search in Google Scholar
[
Shankar, A. and Datta, B. (2018), “Factors affecting mobile payment adoption intention: an Indian perspective”, Global Business Review, Vol. 19 No. 3, pp. S72-S89.
]Search in Google Scholar
[
Shankar, A. and Kumari, P. (2016), “Factors affecting mobile banking adoption behavior in India”, Journal of Internet Banking and Commerce, Vol. 21 No. 1, pp. 1-24.
]Search in Google Scholar
[
Shao, Z., Zhang, L., Li, X. and Guo, Y. (2019), “Antecedents of trust and continuance intention in mobile payment platforms: the moderating effect of gender”, Electronic Commerce Research and Applications, Vol. 33, p. 100823
]Search in Google Scholar
[
Sulehri, N. A., & Ahmed, M. (2017). Theory of reasoned action and retail agglomerations buying behavior for urban consumers. The Business & Management Review, 9(2), 263-266.
]Search in Google Scholar
[
Sunny, P. and George, A. (2018), “Determinants of behavioral intention to use mobile wallets–a conceptual model”, Journal of Management, Vol. 5 No. 5, pp. 52-62.
]Search in Google Scholar
[
Thakur, R., Srivastava, M. (2014). Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India. Internet Research. 24(3), 369-39210.1108/IntR-12-2012-0244
]Search in Google Scholar
[
Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), “User acceptance of information technology: toward a unified view”, MIS Quarterly, Vol. 27 No. 3, pp. 425-478.10.2307/30036540
]Search in Google Scholar
[
Wang, M., Cho, S., & Denton, T. (2017). The impact of personalization and compatibility with past experience on e-10.1108/IJBM-04-2015-0046
]Search in Google Scholar
[
Warfield, J.N. (1974). Developing subsystem matrices in structural modelling. IEEE Transactions on Systems, Man, and Cybernetics, 1, 74-80.10.1109/TSMC.1974.5408523
]Search in Google Scholar
[
Xin, H., Techatassanasoontorn, A.A. and Tan, F.B. (2015), “Antecedents of consumer trust in mobile payment adoption”, The Journal of Computer Information Systems, Vol. 55 No. 4, pp. 1-10.10.1080/08874417.2015.11645781
]Search in Google Scholar
