[
Abdul-Hamid, I.K., Shaikh, A.A., Boateng, H., Hinson, R.E. (2019). Customers’ Perceived Risk and Trust in Using Mobile Money Services—an Empirical Study of Ghana. International Journal of E-Business Research (IJEBR), 15(1), 1-19.10.4018/IJEBR.2019010101
]Search in Google Scholar
[
Aboelmaged, M., Gebba, T. R. (2013). Mobile Banking Adoption: an Examination of technology Acceptance Model and theory of planned behavior. International Journal of Business Research and Development, 2(1), 35-50.10.24102/ijbrd.v2i1.263
]Search in Google Scholar
[
AbuShanab, E., Pearson, J.M., Setterstrom, A.J. (2010). Internet Banking and Customers’ Acceptance in Jordan: the Unified Model’s Perspective. Communications of the Association for information systems, 26(1), 23.10.17705/1CAIS.02623
]Search in Google Scholar
[
Ajzen, I. (2002). Perceived Behavioral Control, Self-efficacy, Locus of Control, and the Theory of Planned Behavior 1. Journal of applied social psychology, 32(4), 665-683.10.1111/j.1559-1816.2002.tb00236.x
]Search in Google Scholar
[
Ajzen, I., Fishbein, M. (1975). A Bayesian Analysis of Attribution Processes. Psychological bulletin, 82(2), 261.10.1037/h0076477
]Search in Google Scholar
[
Akturan, U., Tezcan, N. (2012). Mobile Banking Adoption of the Youth Market. Marketing Intelligence & Planning, Vol. 30 Iss: 4 pp. 4 - 4.
]Search in Google Scholar
[
Al-alak, B.A., Alnawas, I. (2010). Evaluating the Effect of Marketing Activities on Relationship Quality in the Banking Sector: The Case of Private Commercial Banks in Jordan. International Journal of Marketing Studies, 2(1), 78-91.10.5539/ijms.v2n1p78
]Search in Google Scholar
[
Alalwan, A.A., Dwivedi, Y.K., Rana, N.P. (2017). Factors Influencing Adoption of Mobile Banking by Jordanian Bank Customers: Extending UTAUT2 with Trust. International Journal of Information Management, 37(3), 99-110.10.1016/j.ijinfomgt.2017.01.002
]Search in Google Scholar
[
Alalwan, A.A., Dwivedi, Y.K., Rana, N.P., Simintiras, A.C. (2016). Jordanian Consumers’ Adoption of Telebanking. International Journal of Bank Marketing, 34(5), 690–709.10.1108/IJBM-06-2015-0093
]Search in Google Scholar
[
Alalwan, A.A., Dwivedi, Y.K., Rana, N. P., & Williams, M. D. (2016). Consumer Adoption of Mobile Banking in Jordan. Journal of Enterprise Information Management, 20(2), 145-157.10.1108/JEIM-04-2015-0035
]Search in Google Scholar
[
Alavi, S., Ahuja, V. (2016). An Empirical Segmentation of users of Mobile Banking Apps. Journal of Internet Commerce, 15(4), 390-407.10.1080/15332861.2016.1252653
]Search in Google Scholar
[
Baptista, G., Oliveira, T. (2015). Understanding Mobile Banking: The Unified Theory of Acceptance and Use of Technology Combined with Cultural Moderators. Computers in Human Behavior, 50, 418-430.10.1016/j.chb.2015.04.024
]Search in Google Scholar
[
Cheah, C.M., Teo, A.C., Sim, J.J., Oon, K.H., Tan, B.I. (2011). Factors Affecting Malaysian Mobile Banking Adoption: An Empirical Analysis. International Journal of Network and Mobile Technologies, 2(3), 149-160.
]Search in Google Scholar
[
Chen, S.C. (2012). To Use or Not to Use: Understanding the Factors Affecting Continuance Intention of Mobile Banking. International Journal of Mobile Communications, 10(5), 490-507.10.1504/IJMC.2012.048883
]Search in Google Scholar
[
Chitungo, S.K., Munongo, S. (2013). Extending the Technology Acceptance Model to Mobile Banking Adoption in Rural Zimbabwe. Journal of Business Administration and Education, 3(1), 57-79.
]Search in Google Scholar
[
Cruz, P., Neto, L.B.F., Munoz-Gallego, P., Laukkanen, T. (2010). Mobile Banking Rollout in Emerging Markets: Evidence from Brazil. The International Journal of Bank Marketing, 28(5), 342-371.10.1108/02652321011064881
]Search in Google Scholar
[
Cudjoe, A.G., Anim, P.A., Nyanyofio, J.G.N.T. (2015). Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: a Case of Access Bank Ghana Limited. Journal of Computer and Communications, 3(02), 1.10.4236/jcc.2015.32001
]Search in Google Scholar
[
Davis, F.D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS quarterly, 319-340.10.2307/249008
]Search in Google Scholar
[
De Leon, M.V. (2019). Factors Influencing Behavioural Intention to Use Mobile Banking Among Retail Banking Clients. Jurnal Studi Komunikasi, 3(2), 118-137.10.25139/jsk.v3i2.1469
]Search in Google Scholar
[
Gefen, D., Karahanna, E., Straub, D.W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51-90.10.2307/30036519
]Search in Google Scholar
[
George, J.F. (2004). The Theory of Planned Behavior and Internet Purchasing. Internet Research. Vol. 14(3), 198-212.10.1108/10662240410542634
]Search in Google Scholar
[
Glavee-Geo, R., Shaikh, A.A., Karjaluoto, H. (2017). Mobile Banking Services Adoption in Pakistan: are there Gender Differences? International Journal of Bank Marketing, 35(7), 1088-1112.10.1108/IJBM-09-2015-0142
]Search in Google Scholar
[
Gu, J.-C., Lee, S.-C., Suh, Y.-H. (2009). Determinants of Behavioral Intention to Mobile Banking. Expert Systems with Applications, 36(9), 11605-11616.10.1016/j.eswa.2009.03.024
]Search in Google Scholar
[
Guriting, P., Ndubisi, N.O. (2006). Borneo Online Banking: Evaluating Customer Perceptions and Behavioural Intention. Management Research News, 29(1/2), 6-15. https://doi.org/10.1108/01409170610645402.10.1108/01409170610645402
]Search in Google Scholar
[
Hanafizadeh, P., Behboudi, M., Koshksaray, A.A., Tabar, M.J.S. (2014). Mobile-banking Adoption by Iranian Bank Clients. Telematics and Informatics, 31(1), 62-78.10.1016/j.tele.2012.11.001
]Search in Google Scholar
[
Hanafizadeh, P., Khedmatgozar, H.R. (2012). The Mediating Role of the Dimensions of the Perceived Risk in the Effect of Customers’ Awareness on the Adoption of Internet Banking in Iran. Electronic Commerce Research, 12 (2), 151-175.10.1007/s10660-012-9090-z
]Search in Google Scholar
[
Hanudin, A., Baba, R., Muhammad, M.Z. (2007). An Analysis of Mobile Banking Acceptance by Malaysian Customers. Sunway Academic Journal, 4, 1-12.
]Search in Google Scholar
[
Hinson, R.E. (2011). Banking the Poor: The Role of Mobiles. Journal of Financial Services Marketing, 15(4), 320-333.10.1057/fsm.2010.29
]Search in Google Scholar
[
Igbaria, M., Parasuraman, S., Baroudi, J.J. (1996). A Motivational Model of Microcomputer Usage. Journal of Management Information Systems, 13(1), 127-143.10.1080/07421222.1996.11518115
]Search in Google Scholar
[
Jouda, H. (2020). Expanding TAM and Investigating the Factors that Effect Consumer Intention to Adopt Mobile Banking in Palestine. Financial Internet Quarterly, 16(3), 29-50.10.2478/fiqf-2020-0017
]Search in Google Scholar
[
Jouda, H., Abu Jarad, A., Obaid, T., Abu Mdallalah, S., Awaja, A. (2020). Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust. Available at SSRN 3660403.10.2139/ssrn.3660403
]Search in Google Scholar
[
Karjaluoto, H., Koenig-Lewis, N., Palmer, A., Moll, A. (2010). Predicting Young Consumers’ Take up of Mobile Banking Services. International Journal of Bank Marketing, 28(5), 410-432.10.1108/02652321011064917
]Search in Google Scholar
[
Karjaluoto, H., Püschel, J., Mazzon, J.A., Hernandez, J.M.C. (2010). Mobile Banking: Proposition of an Integrated Adoption Intention Framework. International Journal of Bank Marketing, 28, 389-409.10.1108/02652321011064908
]Search in Google Scholar
[
Karjaluoto, H., Riquelme, H.E., Rios, R.E. (2010). The Moderating Effect of Gender in the Adoption of Mobile Banking. International Journal of Bank Marketing, 28, 328-341.10.1108/02652321011064872
]Search in Google Scholar
[
Khodakarami, F., Chan, Y.E. (2013). An Investigation of Factors Affecting Marketing Information Systems’ Use. Journal of Marketing Development and Competitiveness, 7(2), 115-121.
]Search in Google Scholar
[
Khrewesh, A.H. (2011). E-banking Adoption Model in Palestine. Master Thesis, Rerieved from: https://staff-old.najah.edu/sites/default/files/e_banking_adoption_model_in_palestine.pdf.
]Search in Google Scholar
[
Laforet, S., Li, X. (2005). Consumers’ Attitudes Towards Online and Mobile Banking in China. Int ernational Journal of Bank Marketing, 23, 362-380.10.1108/02652320510629250
]Search in Google Scholar
[
Laukkanen, P., Sinkkonen, S., Kivijärvi, M., Laukkanen, T. (2007). Consumer Resistance and Intention to use Internet banking service. Paper presented at the Proceedings of the EBRF Conference, Jyväskylä, Finland.
]Search in Google Scholar
[
Lin, H.-F. (2013). Determining the Relative Importance of mobile Banking Quality Factors. Computer Standards & Interfaces, 35(2), 195-204.10.1016/j.csi.2012.07.003
]Search in Google Scholar
[
Luarn, P., Lin, H.-H. (2005). Toward an Understanding of the Behavioral Intention to Use Mobile Banking. Computers in Human Behavior, 21(6), 873-891.10.1016/j.chb.2004.03.003
]Search in Google Scholar
[
Luo, X., Li, H., Zhang, J., Shim, J.P. (2010). Examining Multi-dimensional Trust and Multi-faceted Risk in Initial Acceptance of Emerging Technologies: An Empirical Study of Mobile Banking Services. Decision support systems, 49(2), 222-234.10.1016/j.dss.2010.02.008
]Search in Google Scholar
[
Mathieson, K., Peacock, E., Chin, W.W. (2001). Extending the Technology Acceptance Model: the Influence of Perceived User Resources. ACM SIGMIS Database: the DATABASE for Advances in Information Systems, 32(3), 86-112.10.1145/506724.506730
]Search in Google Scholar
[
McCloskey, D.W. (2006). The Importance of Ease of Use, Usefulness, and Trust to Online Consumers: An Examination of the Technology Acceptance Model with Older Customers. Journal of Organizational and End User Computing (JOEUC), 18(3), 47-65.10.4018/joeuc.2006070103
]Search in Google Scholar
[
Morosan, C., Jeong, M. (2008). Users’ Perceptions of Two Types of Hotel Reservation Web Sites. International Journal of Hospitality Management, 27(2), 284-292.10.1016/j.ijhm.2007.07.023
]Search in Google Scholar
[
Munir, A.R., lyas, G.B. (2017). Extending the Technology Acceptance Model to Predict the Acceptance of Customer Toward Mobile Banking Service in Sulawesi Selatan. International Journal of Economic Research, 14(4), 365-375.
]Search in Google Scholar
[
Nasri, W., Charfeddine, L. (2012). Factors Affecting the Adoption of Internet Banking in Tunisia: An Integration Theory of Acceptance Model and Theory of Planned Behavior. The Journal of High Technology Management Research, 23(1), 1-14.10.1016/j.hitech.2012.03.001
]Search in Google Scholar
[
Nyeko, J.S., Moya, M., Kabaale, E., Odongo, J. (2014). Factors Influencing the Short Message Service (SMS) Mobile Banking adoption: A Users Perspective in the West Nile Region in Uganda. European Journal of Business and Management, 6(5), 34-45.
]Search in Google Scholar
[
Porter, C.E., Donthu, N. (2006). Using the Technology Acceptance Model to Explain How Attitudes Determine Internet Usage: The role of Perceived Access Barriers and Demographics. Journal of Business Research, 59(9), 999-1007.10.1016/j.jbusres.2006.06.003
]Search in Google Scholar
[
Priya, R., Gandhi, A. V., & Shaikh, A. (2018). Mobile Banking Adoption in an Emerging Economy. Benchmarking: An International Journal. Vol. 19, 2019, 79-101.
]Search in Google Scholar
[
Purwanegara, M., Apriningsih, A., Andika, F. (2014). Snapshot on Indonesia Regulation in Mobile Internet Banking Users Attitudes. Procedia-Social and Behavioral Sciences, 115, 147-155.10.1016/j.sbspro.2014.02.423
]Search in Google Scholar
[
Rogers, E.M. (1995). Diffusion of Innovations: Modifications of a Model for Telecommunications Die Diffusion von Innovationen in der Telekommunikation (pp. 25-38): Springer.
]Search in Google Scholar
[
Sharma, S.K., Sharma, M. (2019). Examining the Role of Trust and Quality Dimensions in the Actual Usage of Mobile Banking Services: An Empirical Investigation. International Journal of Information Management, 44, 65-75.10.1016/j.ijinfomgt.2018.09.013
]Search in Google Scholar
[
Shen, Y.-C., Huang, C.-Y., Chu, C.-H., & Hsu, C.-T. (2010). A benefit–cost perspective of the consumer adoption of the mobile banking system. Behaviour & information technology, 29(5), 497-511.10.1080/01449290903490658
]Search in Google Scholar
[
Singh, T., Kaur, M. (2012). Internet banking: Content Analysis of Selected Indian Public and Private Sector Banks’ Online Portals. Journal of Internet Banking and Commerce, 17(1), 35-53.
]Search in Google Scholar
[
Sripalawat, J., Thongmak, M., Ngramyarn, A. (2011). m-Banking in Metropolitan Bangkok and a Comparison with Other Countries. Journal of Computer Information Systems, 51(3), 67-76.
]Search in Google Scholar
[
Tam, C., Oliveira, T. (2017). Understanding Mobile Banking Individual Performance. Internet Research, 27(3), 538-562.10.1108/IntR-05-2016-0117
]Search in Google Scholar
[
Tarhini, A., El-Masri, M., Ali, M., Serrano, A. (2016). Extending the UTAUT Model to Understand the Customers’ Acceptance and Use of Internet Banking in Lebanon. Information Technology & People, 29(4), 830-849.10.1108/ITP-02-2014-0034
]Search in Google Scholar
[
Van der Heijden, H., Verhagen, T., Creemers, M. (2003). Understanding Online Purchase Intentions: Contributions from Technology and Trust Perspectives. European Journal of Information Systems, 12(1), 41-48.10.1057/palgrave.ejis.3000445
]Search in Google Scholar
[
Venkatesh, V., Davis, F.D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management science, 46(2), 186-204.10.1287/mnsc.46.2.186.11926
]Search in Google Scholar
[
Weerakkody, V., El-Haddadeh, R., Al-Sobhi, F., Shareef, M.A., Dwivedi, Y.K. (2013). Examining the Influence of Intermediaries in Facilitating e-Government Adoption: An Empirical Investigation. International Journal of Information Management, 33(5), 716-725.10.1016/j.ijinfomgt.2013.05.001
]Search in Google Scholar
[
Wessels, L., Drennan, J. (2010). An Investigation of Consumer Acceptance of M-banking. International Journal of bank marketing. 28(7), 547-568.10.1108/02652321011085194
]Search in Google Scholar
[
Yang, J., Wong, C.W., Lai, K.-H., Ntoko, A.N. (2009). The Antecedents of Dyadic Quality Performance and its Effect on Buyer–supplier Relationship Improvement. International Journal of Production Economics, 120(1), 243-251.10.1016/j.ijpe.2008.07.033
]Search in Google Scholar
[
Zhou, T. (2012a). Examining Mobile Banking user Adoption from the Perspectives of Trust and Flow Experience. Information Technology and Management, 13(1), 27-37.10.1007/s10799-011-0111-8
]Search in Google Scholar
[
Zhou, T. (2012b). Understanding Users’ Initial Trust in Mobile Banking: An Elaboration Likelihood Perspective. Computers in human behavior, 28(4), 1518-1525.10.1016/j.chb.2012.03.021
]Search in Google Scholar