How to cite this paper
Obidat, A., Almahameed, M & Alalwan, M. (2022). An empirical examination of factors affecting the post-adoption stage of mobile wallets by consumers: A perspective from a developing country.Decision Science Letters , 11(3), 273-288.
Refrences
Al-Amri, R., Maarop, N., Jamaludin, R., Samy, G., Magalingam, P., Hassan, N. H., . . . Daud, S. M. (2018). Correlation analysis between factors influencing the usage intention of NFC mobile wallet payment. Journal of Fundamental and Applied Sciences, 10(2S), 215-228.
Alaeddin, O., Rana, A., Zainudin, Z., & Kamarudin, F. (2018). From physical to digital: Investigating consumer behaviour of switching to mobile wallet. Polish Journal of Management Studies, 17(2), 18--30.
Albuquerque, J. P., Diniz, E. H., & Cernev, A. K. (2016). Mobile payments: A scoping study of the literature and issues for future research. Information Development, 32(3), 527-553.
Alhallaq, H., Younas, M., Kamal, S., & Champion, B. (2019). Understanding Perceived Value of Mobile Payments: A Qualitative Study. In Proceedings of UK Academy for Information Systems, UK.
Alwi, S., Salleh, M. N. M., Alpandi, R. M., Ya’acob, F. F., & Abdullah, S. M. M. (2021). Fintech as financial inclusion: Factors affecting behavioral intention to accept mobile e-wallet during Covid-19 outbreak. Turkish Journal of Computer and Mathematics Education, 12(7).
Amin, H. (2009). Mobile wallet acceptance in Sabah: An empirical analysis. Labuan Bulletin of International Business and Finance, 7, 33-52.
Amin, M. K., Azhar, A., Amin, A., & Akter, A. (2015). Applying the Technology Acceptance Model in Examining Bangladeshi Consumers' Behavioral Intention to Use Mobile Wallet: PLS-SEM Approach. In Proceedings of International Conference on Computer and Information Technology, Dhaka, Bangladesh.
Anwar, A., Thongpapanl, N., & Ashraf, A. R. (2020). Strategic imperatives of mobile commerce in developing countries: The influence of consumer innovativeness, ubiquity, perceived value, risk, and cost on usage. Journal of Strategic Marketing, 1-21.
Au, Y. A., & Kauffman, R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7(2), 141-164.
Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Journal of Business Economics and Finance, 5(1), 73-92.
Azizah, N., Handayani, P. W., & Azzahro, F. (2018). Factors Influencing Continuance Usage of Mobile Wallets in Indonesia. In Proceedings of International Conference on Information Management and Technology, 92-97. Jakarta, Indonesia.
Balasubraman, S., Peterson, R. A., & Jarvenpaa, S. L. (2002). Exploring the implications of m-commerce for markets and marketing. Journal of the Academy of Marketing Science, 30(4), 348-361.
Bentler, P. M. (1990). Comparative fit indexes in structural models. Psychological bulletin, 107(2), 238–246.
Bentler, P. M., & Bonett, D. G. (1980). Significance tests and goodness of fit in the analysis of covariance structures. Psychological bulletin, 88(3), 588–606.
Boden, J., Maier, E., & Wilken, R. (2020). The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay. Journal of Retailing and Consumer Services, 52, 101910.
Browne, M. W., & Cudeck, R. (1992). Alternative ways of assessing model fit. Sociological Methods & Research, 21(2), 230-258.
Campbell, D. (2017). A study of customer innovativeness for the mobile wallet acceptance in Rajasthan. Pacific Business Review International, 10(6), 7-15.
Caron-Fasan, M.-L., Lesca, N., Perea, C., & Beyrouthy, S. (2020). Adoption of enterprise social networking: Revisiting the IT innovation adoption model of Hameed et al. Journal of Engineering and Technology Management, 56, 101572.
Central Bank of Jordan. (2020). Mobile Wallets. Retrieved from https://www.cbj.gov.jo/EchoBusv3.0/SystemAssets/Ticker%20News/Wallet%20Instructions%20Government.pdf.pdf
Chakraborty, S., & Mitra, D. (2018). A study on consumers adoption intention for digital wallets in India. International Journal on Customer Relations, 6(1), 38-57.
Chan, K.-L., Leong, C.-M., & Yiong, B. L. C. (2020). Sharing economy through e-wallet: Understanding the determinants of user intention in Malaysia. Journal of Marketing Advances and Practices, 2(2), 1-18.
Chandra, S., Srivastava, S. C., & Theng, Y.-L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for information systems, 27, 561-588.
Chang, Y. P., & Zhu, D. H. (2011). Understanding social networking sites adoption in China: A comparison of pre-adoption and post-adoption. Computers in Human Behavior, 27(5), 1840-1848.
Chatterjee, D., & Bolar, K. (2019). Determinants of mobile wallet intentions to use: The mental cost perspective. International Journal of Human–Computer Interaction, 35(10), 859-869.
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590-1618.
Chawla, D., & Joshi, H. (2020a). The moderating role of gender and age in the adoption of mobile wallet. Foresight, 22(4), 483-504.
Chawla, D., & Joshi, H. (2020b). Role of mediator in examining the influence of antecedents of mobile wallet adoption on attitude and intention. Global Business Review.
Chellappa, R. K., & Pavlou, P. A. (2002). Perceived information security, financial liability and consumer trust in electronic commerce transactions. Logistics Information Management, 15(5/6), 358-368.
Chen, C.-W. D., & Cheng, C.-Y. J. (2009). Understanding consumer intention in online shopping: a respecification and validation of the DeLone and McLean model. Behaviour & Information Technology, 28(4), 335-345.
Cheong, J., Cheol, M., & Hwang, J. (2004). Mobile Payment Adoption in Korea: Switching from Credit Card. In Proceedings of Biennial Conference, Berlin, Germany.
Cheung, C. M., & Lee, M. K. (2001). Trust in internet shopping: Instrument development and validation through classical and modern approaches. Journal of Global Information Management, 9(3), 23-35.
Clarke, I. (2008). Emerging value propositions for m-commerce. Journal of Business Strategies, 25(2), 41-57.
Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electronic Commerce Research and Applications, 14(5), 265-284.
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165–181.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
de Kerviler, G., Demoulin, N. T. M., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334-344.
Deka, P. K. (2020). Intention to use mobile wallet by youths in northeast India. Journal of Management in Practice, 5(1), 1-16.
Dixit, R. V., Singh, R., & Chaturvedi, S. (2017). A study on adoption of mobile wallet for cashless economy. Anvesha, 10(1), 32-44.
Donald, A., Ricardo, L., & Francisco, L. R. (2021). The Effect of Reciprocity on Mobile Wallet Intention: A Study of Filipino Consumers. International Journal of Asian Business and Information Management (IJABIM), 12(2), 57-83.
Dusek, G. A., Yurova, Y. V., & Ruppel, C. P. (2015). Using social media and targeted snowball sampling to survey a hard-to-reach population: A case study. International Journal of Doctoral Studies, 10(1), 279-299.
Dutot, V., Bhatiasevi, V., & Bellallahom, N. (2019). Applying the technology acceptance model in a three-countries study of smartwatch adoption. The Journal of High Technology Management Research, 30(1), 1-14.
Eappen, N. J. (2019). Mobile wallet adoption in india: Impact of trust and information sharing. South Asian Journal of Management, 26(1), 32-49.
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451-474.
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research (1st ed.). MA, USA: Addison-Wesley.
Garrouch, K. (2021). Does the reputation of the provider matter? A model explaining the continuance intention of mobile wallet applications. Journal of Decision Systems, 30(2-3), 150-171.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
George, A., & Sunny, P. (2021). Developing a Research Model for Mobile Wallet Adoption and Usage. IIM Kozhikode Society & Management Review, 10(1), 82-98.
Ghose, A., Goldfarb, A., & Han, S. P. (2013). How is the mobile Internet different? Search costs and local activities. Information Systems Research, 24(3), 613-631.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2009). Multivariate data analysis (7th ed.). Upper Saddle River, USA: Prentice Hall.
Hampshire, C. (2017). A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments. International Journal of Bank Marketing, 35(3), 354-369.
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115-135.
Hongxia, P., Xianhao, X., & Weidan, L. (2011, 6-8 May 2011). Drivers and Barriers in the Acceptance of Mobile Payment in China. In Proceedings of International Conference on E-Business and E-Government, 1-4. Shanghai, China. 10.1109/ICEBEG.2011.5887081
Hsiao, M.-H. (2019). Mobile payment services as a facilitator of value co-creation: A conceptual framework. The Journal of High Technology Management Research, 30(2), 100353.
Hu, L. t., & Bentler, P. M. (1999). Cutoff criteria for fit indexes in covariance structure analysis: Conventional criteria versus new alternatives. Structural Equation Modeling: A Multidisciplinary Journal, 6(1), 1-55.
Humbani, M., & Wiese, M. (2018). A cashless society for all: Determining consumers’ readiness to adopt mobile payment services. Journal of African Business, 19(3), 409-429.
Iman, N. (2018). Is mobile payment still relevant in the fintech era? Electronic Commerce Research and Applications, 30, 72-82.
Internet World Stats. Middle East. Retrieved from https://www.internetworldstats.com/middle.htm
Isrososiawan, S., Hurriyati, R., & Dirgantari, P. D. (2019). User mobile payment behavior using Technology Acceptance Model (TAM): Study of" Dana" E-Wallet users. Jurnal Minds: Manajemen Ide dan Inspirasi, 6(2), 181-192.
Jin, C. C., Seong, L. C., & Khin, A. A. (2020). Consumers’ behavioural intention to accept of the mobile wallet in Malaysia. Journal of Southwest Jiaotong University, 55(1), 1-13.
Jocevski, M., Ghezzi, A., & Arvidsson, N. (2020). Exploring the growth challenge of mobile payment platforms: A business model perspective. Electronic Commerce Research and Applications, 40, 100908.
Kafsh, S. (2015). Developing consumer adoption model on mobile wallet in Canada. (Unpublished master thesis). University of Ottawa, Ottawa, Canada.
Kang, J. (2018). Mobile payment in Fintech environment: Trends, security challenges, and services. Human-centric Computing and Information Sciences, 8(1), 32.
Karahanna, E., Straub, D. W., & Chervany, N. L. (1999). Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs. MIS Quarterly, 183-213.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors influencing the use of E-wallet as a payment method among Malaysian young adults. Journal of International Business and Management, 3(2), 1-12.
Karsen, M., Chandra, Y. U., & Juwitasary, H. (2019). Technological factors of mobile payment: A systematic literature review. Procedia Computer Science, 157, 489-498.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310-322.
Kim, C., Oh, E., Shin, N., & Chae, M. (2009). An empirical investigation of factors affecting ubiquitous computing use and U-business value. International Journal of Information Management, 29(6), 436-448.
Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283-311.
King, W. R., & He, J. (2006). A meta-analysis of the technology acceptance model. Information & management, 43(6), 740-755.
Kleijnen, M., De Ruyter, K., & Wetzels, M. (2007). An assessment of value creation in mobile service delivery and the moderating role of time consciousness. Journal of retailing, 83(1), 33-46.
Kumar, V., Nim, N., & Sharma, A. (2019). Driving growth of Mwallets in emerging markets: A retailer’s perspective. Journal of the Academy of Marketing Science, 47(4), 747-769.
Laforet, S., & Li, X. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23(5), 362-380.
Lai, P. (2017). The literature review of technology adoption models and theories for the novelty technology. JISTEM-Journal of Information Systems and Technology Management, 14(1), 21-38.
Lee, M.-C. (2010). Explaining and predicting users’ continuance intention toward e-learning: An extension of the expectation–confirmation model. Computers & Education, 54(2), 506-516.
Lee, S.-G., Trimi, S., & Kim, C. (2013). The impact of cultural differences on technology adoption. Journal of World Business, 48(1), 20-29.
Lee, T. (2005). The impact of perceptions of interactivity on customer trust and transaction intentions in mobile commerce. Journal of Electronic Commerce Research, 6(3), 165.
Lee, Y., Kozar, K. A., & Larsen, K. R. (2003). The technology acceptance model: Past, present, and future. Communications of the Association for information systems, 12(1), 50.
Leong, L.-Y., Hew, T.-S., Ooi, K.-B., & Wei, J. (2020). Predicting mobile wallet resistance: A two-staged structural equation modeling-artificial neural network approach. International Journal of Information Management, 51, 102047.
Liu, Z., Ben, S., & Zhang, R. (2019). Factors affecting consumers’ mobile payment behavior: A meta-analysis. Electronic Commerce Research, 19(3), 575-601.
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information & management, 48(8), 393-403.
Ma, Q., & Liu, L. (2004). The technology acceptance model: A meta-analysis of empirical findings. Journal of Organizational and End User Computing (JOEUC), 16(1), 59-72.
Madan, K., & Yadav, R. (2016). Behavioural intentions to adopt mobile wallets: A developing country's prespective. Journal of Indian Bussiness Research, 8(3), 227-244.
Mahwadha, W. I. (2019). Behavioral intention of young consumers towards e-wallet adoption: An empirical study among indonesian users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79-93.
Malhotra, N. K. (2012). Basic marketing research: Integration of social media (4th ed.). Boston, USA: Pearson.
Marangunić, N., & Granić, A. (2015). Technology acceptance model: A literature review from 1986 to 2013. Universal Access in the Information Society, 14(1), 81-95.
Mardiana, S., Tjakraatmadja, J. H., & Aprianingsih, A. (2015). DeLone–McLean information system success model revisited: The separation of intention to use - use and the integration of technology acceptance models. International Journal of Economics and Financial Issues, 5(1), 172-182.
Mei, Y. C., & Aun, N. B. (2019). Factors influencing consumers' perceived usefulness of M-Wallet in Klang valley, Malaysia. Review of Integrative Business and Economics Research, 8(4), 1-23.
Mombeuil, C. (2020). An exploratory investigation of factors affecting and best predicting the renewed adoption of mobile wallets. Journal of Retailing and Consumer Services, 55, 102127.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Patel, V. K. (2016). Use of mobile wallet service by the youth : A study based in Ahmedabad. ASBM Journal of Management, 9(2), 50-61.
Rathore, H. S. (2016). Adoption of digital wallet by consumers. BVIMSR’s Journal of Management Research, 8(1), 69.
Reddy, T. T., & Rao, B. M. (2019). The moderating effect of gender on continuance intention toward mobile wallet services in India. Indian Journal of Marketing, 49(4), 48-62.
Routray, S., Khurana, R., Payal, R., & Gupta, R. (2019). A move towards cashless economy: A case of continuous usage of mobile wallets in India. Theoretical Economics Letters, 9(4), 1152-1166
Seetharaman, A., Kumar, K. N., Palaniappan, S., & Weber, G. (2017). Factors influencing behavioural intention to use the mobile wallet in Singapore. Journal of Applied Economics & Business Research, 7(2), 116-136.
Shankar, A., & Behl, A. (2021). How to enhance consumer experience over mobile wallet: a data-driven approach. Journal of Strategic Marketing, 1-18.
Shankar, V., O Driscoll, T., & Reibstein, D. (2003). Rational exuberance: The wireless industry's killer "B". Strategy and Business(31), 68-77.
Shao, Z., Zhang, L., Li, X., & Guo, Y. (2019). Antecedents of trust and continuance intention in mobile payment platforms: The moderating effect of gender. Electronic Commerce Research and Applications, 33, 100823.
Sharma, M., Gupta, R., & Acharya, P. (2021). Analysing the adoption of cloud computing service: A systematic literature review. Global Knowledge, Memory and Communication, 70(1/2), 114-153.
Shaw, B., & Kesharwani, A. (2019). Moderating effect of smartphone addiction on mobile wallet payment adoption. Journal of Internet Commerce, 18(3), 291-309.
Shaw, N. (2014). The mediating influence of trust in the adoption of the mobile wallet. Journal of Retailing and Consumer Services, 21(4), 449-459.
Shaw, N. (2015). The mediating role of perceived security: An empirical study of mobile wallet adoption in USA. In F. F.-H. Nah & C.-H. Tan (Eds.), HCI in Business. HCIB 2015. Lecture Notes in Computer Science (Vol. 9191, pp. 358-369). Cham, Switzerland: Springer.
Shen, H., Faklaris, C., Jin, H., Dabbish, L., & Hong, J. I. (2020). 'I can't even buy apples if i don't use mobile pay?': When mobile payments become infrastructural in China. Proc. ACM Hum.-Comput. Interact., 4(CSCW2), Article 170.
Shin, D.-H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343-1354.
Shin, D. H. (2008). Understanding purchasing behaviors in a virtual economy: Consumer behavior involving virtual currency in Web 2.0 communities. Interacting with Computers, 20(4), 433-446.
Shin, S., & Lee, W.-j. (2014). The effects of technology readiness and technology acceptance on NFC mobile payment services in Korea. Journal of Applied Business Research (JABR), 30(6), 1615-1626.
Silverio-Fernández, M., Renukappa, S., & Suresh, S. (2018). What is a smart device? - a conceptualisation within the paradigm of the internet of things. Visualization in Engineering, 6(1), 3.
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191-205.
Soodan, V., & Rana, A. (2020). Modeling customers' intention to use e-wallet in a developing nation: Extending UTAUT2 with security, privacy and savings. Journal of Electronic Commerce in Organizations (JECO), 18(1), 89-114.
Statista. Global digital population as of January 2021. Retrieved from https://www.statista.com/statistics/617136/digital-population-worldwide/
Swilley, E. (2010). Technology rejection: The case of the wallet phone. Journal of Consumer Marketing, 27(4), 304-312.
Taherdoost, H. (2018). A review of technology acceptance and adoption models and theories. Procedia Manufacturing, 22, 960-967.
Talwar, S., Dhir, A., Khalil, A., Mohan, G., & Islam, A. K. M. N. (2020). Point of adoption and beyond. Initial trust and mobile-payment continuation intention. Journal of Retailing and Consumer Services, 55, 102086.
Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models. Information Systems Research, 6(2), 144-176.
Téllez, J., & Zeadally, S. (2017). Mobile payment systems: Secure network architectures and protocols. Cham, Switzerland: Springer.
Teng, S., & Khong, K. W. (2021). Examining actual consumer usage of E-wallet: A case study of big data analytics. Computers in Human Behavior, 121, 106778.
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), 369-392.
Tripathi, S. N., Srivastava, S., & Vishnani, S. (2021). Mobile wallets: achieving intention to recommend by brick and mortar retailers. Journal of Marketing Theory and Practice, 1-17.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.
Voorhees, C. M., Brady, M. K., Calantone, R., & Ramirez, E. (2016). Discriminant validity testing in marketing: An analysis, causes for concern, and proposed remedies. Journal of the Academy of Marketing Science, 44(1), 119-134.
Wu, J., Liu, L., & Huang, L. (2017). Consumer acceptance of mobile payment across time: Antecedents and moderating role of diffusion stages. Industrial Management & Data Systems, 117(8), 1761-1776.
Wu, K., Zhao, Y., Zhu, Q., Tan, X., & Zheng, H. (2011). A meta-analysis of the impact of trust on technology acceptance model: Investigation of moderating influence of subject and context type. International Journal of Information Management, 31(6), 572-581.
Xin, H., Techatassanasoontorn, A., & Tan, F. (2013). Exploring the Influence of Trust on Mobile Payment Adoption. In Proceedings of Pacific Asia Conference on Information Systems, Jeju Island, Korea.
Yadav, P. (2017). Active determinants for adoption of mobile wallet. i-manager’s Journal on Management, 12(1), 7-14.
Yan, L.-Y., Tan, G. W.-H., Loh, X.-M., Hew, J.-J., & Ooi, K.-B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems, 115(2), 253-269.
Yousafzai, S., Foxall, G., & Pallister, J. (2007). Technology acceptance: A meta‐analysis of the TAM: Part 1. Journal of Modelling in Management, 2(3), 251-280.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development, 27(4), 290-300.
Zhou, T. (2014). An empirical examination of initial trust in mobile payment. Wireless Personal Communications, 77(2), 1519-1531.
Alaeddin, O., Rana, A., Zainudin, Z., & Kamarudin, F. (2018). From physical to digital: Investigating consumer behaviour of switching to mobile wallet. Polish Journal of Management Studies, 17(2), 18--30.
Albuquerque, J. P., Diniz, E. H., & Cernev, A. K. (2016). Mobile payments: A scoping study of the literature and issues for future research. Information Development, 32(3), 527-553.
Alhallaq, H., Younas, M., Kamal, S., & Champion, B. (2019). Understanding Perceived Value of Mobile Payments: A Qualitative Study. In Proceedings of UK Academy for Information Systems, UK.
Alwi, S., Salleh, M. N. M., Alpandi, R. M., Ya’acob, F. F., & Abdullah, S. M. M. (2021). Fintech as financial inclusion: Factors affecting behavioral intention to accept mobile e-wallet during Covid-19 outbreak. Turkish Journal of Computer and Mathematics Education, 12(7).
Amin, H. (2009). Mobile wallet acceptance in Sabah: An empirical analysis. Labuan Bulletin of International Business and Finance, 7, 33-52.
Amin, M. K., Azhar, A., Amin, A., & Akter, A. (2015). Applying the Technology Acceptance Model in Examining Bangladeshi Consumers' Behavioral Intention to Use Mobile Wallet: PLS-SEM Approach. In Proceedings of International Conference on Computer and Information Technology, Dhaka, Bangladesh.
Anwar, A., Thongpapanl, N., & Ashraf, A. R. (2020). Strategic imperatives of mobile commerce in developing countries: The influence of consumer innovativeness, ubiquity, perceived value, risk, and cost on usage. Journal of Strategic Marketing, 1-21.
Au, Y. A., & Kauffman, R. J. (2008). The economics of mobile payments: Understanding stakeholder issues for an emerging financial technology application. Electronic Commerce Research and Applications, 7(2), 141-164.
Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Journal of Business Economics and Finance, 5(1), 73-92.
Azizah, N., Handayani, P. W., & Azzahro, F. (2018). Factors Influencing Continuance Usage of Mobile Wallets in Indonesia. In Proceedings of International Conference on Information Management and Technology, 92-97. Jakarta, Indonesia.
Balasubraman, S., Peterson, R. A., & Jarvenpaa, S. L. (2002). Exploring the implications of m-commerce for markets and marketing. Journal of the Academy of Marketing Science, 30(4), 348-361.
Bentler, P. M. (1990). Comparative fit indexes in structural models. Psychological bulletin, 107(2), 238–246.
Bentler, P. M., & Bonett, D. G. (1980). Significance tests and goodness of fit in the analysis of covariance structures. Psychological bulletin, 88(3), 588–606.
Boden, J., Maier, E., & Wilken, R. (2020). The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay. Journal of Retailing and Consumer Services, 52, 101910.
Browne, M. W., & Cudeck, R. (1992). Alternative ways of assessing model fit. Sociological Methods & Research, 21(2), 230-258.
Campbell, D. (2017). A study of customer innovativeness for the mobile wallet acceptance in Rajasthan. Pacific Business Review International, 10(6), 7-15.
Caron-Fasan, M.-L., Lesca, N., Perea, C., & Beyrouthy, S. (2020). Adoption of enterprise social networking: Revisiting the IT innovation adoption model of Hameed et al. Journal of Engineering and Technology Management, 56, 101572.
Central Bank of Jordan. (2020). Mobile Wallets. Retrieved from https://www.cbj.gov.jo/EchoBusv3.0/SystemAssets/Ticker%20News/Wallet%20Instructions%20Government.pdf.pdf
Chakraborty, S., & Mitra, D. (2018). A study on consumers adoption intention for digital wallets in India. International Journal on Customer Relations, 6(1), 38-57.
Chan, K.-L., Leong, C.-M., & Yiong, B. L. C. (2020). Sharing economy through e-wallet: Understanding the determinants of user intention in Malaysia. Journal of Marketing Advances and Practices, 2(2), 1-18.
Chandra, S., Srivastava, S. C., & Theng, Y.-L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for information systems, 27, 561-588.
Chang, Y. P., & Zhu, D. H. (2011). Understanding social networking sites adoption in China: A comparison of pre-adoption and post-adoption. Computers in Human Behavior, 27(5), 1840-1848.
Chatterjee, D., & Bolar, K. (2019). Determinants of mobile wallet intentions to use: The mental cost perspective. International Journal of Human–Computer Interaction, 35(10), 859-869.
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590-1618.
Chawla, D., & Joshi, H. (2020a). The moderating role of gender and age in the adoption of mobile wallet. Foresight, 22(4), 483-504.
Chawla, D., & Joshi, H. (2020b). Role of mediator in examining the influence of antecedents of mobile wallet adoption on attitude and intention. Global Business Review.
Chellappa, R. K., & Pavlou, P. A. (2002). Perceived information security, financial liability and consumer trust in electronic commerce transactions. Logistics Information Management, 15(5/6), 358-368.
Chen, C.-W. D., & Cheng, C.-Y. J. (2009). Understanding consumer intention in online shopping: a respecification and validation of the DeLone and McLean model. Behaviour & Information Technology, 28(4), 335-345.
Cheong, J., Cheol, M., & Hwang, J. (2004). Mobile Payment Adoption in Korea: Switching from Credit Card. In Proceedings of Biennial Conference, Berlin, Germany.
Cheung, C. M., & Lee, M. K. (2001). Trust in internet shopping: Instrument development and validation through classical and modern approaches. Journal of Global Information Management, 9(3), 23-35.
Clarke, I. (2008). Emerging value propositions for m-commerce. Journal of Business Strategies, 25(2), 41-57.
Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electronic Commerce Research and Applications, 14(5), 265-284.
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165–181.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
de Kerviler, G., Demoulin, N. T. M., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31, 334-344.
Deka, P. K. (2020). Intention to use mobile wallet by youths in northeast India. Journal of Management in Practice, 5(1), 1-16.
Dixit, R. V., Singh, R., & Chaturvedi, S. (2017). A study on adoption of mobile wallet for cashless economy. Anvesha, 10(1), 32-44.
Donald, A., Ricardo, L., & Francisco, L. R. (2021). The Effect of Reciprocity on Mobile Wallet Intention: A Study of Filipino Consumers. International Journal of Asian Business and Information Management (IJABIM), 12(2), 57-83.
Dusek, G. A., Yurova, Y. V., & Ruppel, C. P. (2015). Using social media and targeted snowball sampling to survey a hard-to-reach population: A case study. International Journal of Doctoral Studies, 10(1), 279-299.
Dutot, V., Bhatiasevi, V., & Bellallahom, N. (2019). Applying the technology acceptance model in a three-countries study of smartwatch adoption. The Journal of High Technology Management Research, 30(1), 1-14.
Eappen, N. J. (2019). Mobile wallet adoption in india: Impact of trust and information sharing. South Asian Journal of Management, 26(1), 32-49.
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451-474.
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research (1st ed.). MA, USA: Addison-Wesley.
Garrouch, K. (2021). Does the reputation of the provider matter? A model explaining the continuance intention of mobile wallet applications. Journal of Decision Systems, 30(2-3), 150-171.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
George, A., & Sunny, P. (2021). Developing a Research Model for Mobile Wallet Adoption and Usage. IIM Kozhikode Society & Management Review, 10(1), 82-98.
Ghose, A., Goldfarb, A., & Han, S. P. (2013). How is the mobile Internet different? Search costs and local activities. Information Systems Research, 24(3), 613-631.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2009). Multivariate data analysis (7th ed.). Upper Saddle River, USA: Prentice Hall.
Hampshire, C. (2017). A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments. International Journal of Bank Marketing, 35(3), 354-369.
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115-135.
Hongxia, P., Xianhao, X., & Weidan, L. (2011, 6-8 May 2011). Drivers and Barriers in the Acceptance of Mobile Payment in China. In Proceedings of International Conference on E-Business and E-Government, 1-4. Shanghai, China. 10.1109/ICEBEG.2011.5887081
Hsiao, M.-H. (2019). Mobile payment services as a facilitator of value co-creation: A conceptual framework. The Journal of High Technology Management Research, 30(2), 100353.
Hu, L. t., & Bentler, P. M. (1999). Cutoff criteria for fit indexes in covariance structure analysis: Conventional criteria versus new alternatives. Structural Equation Modeling: A Multidisciplinary Journal, 6(1), 1-55.
Humbani, M., & Wiese, M. (2018). A cashless society for all: Determining consumers’ readiness to adopt mobile payment services. Journal of African Business, 19(3), 409-429.
Iman, N. (2018). Is mobile payment still relevant in the fintech era? Electronic Commerce Research and Applications, 30, 72-82.
Internet World Stats. Middle East. Retrieved from https://www.internetworldstats.com/middle.htm
Isrososiawan, S., Hurriyati, R., & Dirgantari, P. D. (2019). User mobile payment behavior using Technology Acceptance Model (TAM): Study of" Dana" E-Wallet users. Jurnal Minds: Manajemen Ide dan Inspirasi, 6(2), 181-192.
Jin, C. C., Seong, L. C., & Khin, A. A. (2020). Consumers’ behavioural intention to accept of the mobile wallet in Malaysia. Journal of Southwest Jiaotong University, 55(1), 1-13.
Jocevski, M., Ghezzi, A., & Arvidsson, N. (2020). Exploring the growth challenge of mobile payment platforms: A business model perspective. Electronic Commerce Research and Applications, 40, 100908.
Kafsh, S. (2015). Developing consumer adoption model on mobile wallet in Canada. (Unpublished master thesis). University of Ottawa, Ottawa, Canada.
Kang, J. (2018). Mobile payment in Fintech environment: Trends, security challenges, and services. Human-centric Computing and Information Sciences, 8(1), 32.
Karahanna, E., Straub, D. W., & Chervany, N. L. (1999). Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs. MIS Quarterly, 183-213.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors influencing the use of E-wallet as a payment method among Malaysian young adults. Journal of International Business and Management, 3(2), 1-12.
Karsen, M., Chandra, Y. U., & Juwitasary, H. (2019). Technological factors of mobile payment: A systematic literature review. Procedia Computer Science, 157, 489-498.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310-322.
Kim, C., Oh, E., Shin, N., & Chae, M. (2009). An empirical investigation of factors affecting ubiquitous computing use and U-business value. International Journal of Information Management, 29(6), 436-448.
Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283-311.
King, W. R., & He, J. (2006). A meta-analysis of the technology acceptance model. Information & management, 43(6), 740-755.
Kleijnen, M., De Ruyter, K., & Wetzels, M. (2007). An assessment of value creation in mobile service delivery and the moderating role of time consciousness. Journal of retailing, 83(1), 33-46.
Kumar, V., Nim, N., & Sharma, A. (2019). Driving growth of Mwallets in emerging markets: A retailer’s perspective. Journal of the Academy of Marketing Science, 47(4), 747-769.
Laforet, S., & Li, X. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23(5), 362-380.
Lai, P. (2017). The literature review of technology adoption models and theories for the novelty technology. JISTEM-Journal of Information Systems and Technology Management, 14(1), 21-38.
Lee, M.-C. (2010). Explaining and predicting users’ continuance intention toward e-learning: An extension of the expectation–confirmation model. Computers & Education, 54(2), 506-516.
Lee, S.-G., Trimi, S., & Kim, C. (2013). The impact of cultural differences on technology adoption. Journal of World Business, 48(1), 20-29.
Lee, T. (2005). The impact of perceptions of interactivity on customer trust and transaction intentions in mobile commerce. Journal of Electronic Commerce Research, 6(3), 165.
Lee, Y., Kozar, K. A., & Larsen, K. R. (2003). The technology acceptance model: Past, present, and future. Communications of the Association for information systems, 12(1), 50.
Leong, L.-Y., Hew, T.-S., Ooi, K.-B., & Wei, J. (2020). Predicting mobile wallet resistance: A two-staged structural equation modeling-artificial neural network approach. International Journal of Information Management, 51, 102047.
Liu, Z., Ben, S., & Zhang, R. (2019). Factors affecting consumers’ mobile payment behavior: A meta-analysis. Electronic Commerce Research, 19(3), 575-601.
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information & management, 48(8), 393-403.
Ma, Q., & Liu, L. (2004). The technology acceptance model: A meta-analysis of empirical findings. Journal of Organizational and End User Computing (JOEUC), 16(1), 59-72.
Madan, K., & Yadav, R. (2016). Behavioural intentions to adopt mobile wallets: A developing country's prespective. Journal of Indian Bussiness Research, 8(3), 227-244.
Mahwadha, W. I. (2019). Behavioral intention of young consumers towards e-wallet adoption: An empirical study among indonesian users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79-93.
Malhotra, N. K. (2012). Basic marketing research: Integration of social media (4th ed.). Boston, USA: Pearson.
Marangunić, N., & Granić, A. (2015). Technology acceptance model: A literature review from 1986 to 2013. Universal Access in the Information Society, 14(1), 81-95.
Mardiana, S., Tjakraatmadja, J. H., & Aprianingsih, A. (2015). DeLone–McLean information system success model revisited: The separation of intention to use - use and the integration of technology acceptance models. International Journal of Economics and Financial Issues, 5(1), 172-182.
Mei, Y. C., & Aun, N. B. (2019). Factors influencing consumers' perceived usefulness of M-Wallet in Klang valley, Malaysia. Review of Integrative Business and Economics Research, 8(4), 1-23.
Mombeuil, C. (2020). An exploratory investigation of factors affecting and best predicting the renewed adoption of mobile wallets. Journal of Retailing and Consumer Services, 55, 102127.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Patel, V. K. (2016). Use of mobile wallet service by the youth : A study based in Ahmedabad. ASBM Journal of Management, 9(2), 50-61.
Rathore, H. S. (2016). Adoption of digital wallet by consumers. BVIMSR’s Journal of Management Research, 8(1), 69.
Reddy, T. T., & Rao, B. M. (2019). The moderating effect of gender on continuance intention toward mobile wallet services in India. Indian Journal of Marketing, 49(4), 48-62.
Routray, S., Khurana, R., Payal, R., & Gupta, R. (2019). A move towards cashless economy: A case of continuous usage of mobile wallets in India. Theoretical Economics Letters, 9(4), 1152-1166
Seetharaman, A., Kumar, K. N., Palaniappan, S., & Weber, G. (2017). Factors influencing behavioural intention to use the mobile wallet in Singapore. Journal of Applied Economics & Business Research, 7(2), 116-136.
Shankar, A., & Behl, A. (2021). How to enhance consumer experience over mobile wallet: a data-driven approach. Journal of Strategic Marketing, 1-18.
Shankar, V., O Driscoll, T., & Reibstein, D. (2003). Rational exuberance: The wireless industry's killer "B". Strategy and Business(31), 68-77.
Shao, Z., Zhang, L., Li, X., & Guo, Y. (2019). Antecedents of trust and continuance intention in mobile payment platforms: The moderating effect of gender. Electronic Commerce Research and Applications, 33, 100823.
Sharma, M., Gupta, R., & Acharya, P. (2021). Analysing the adoption of cloud computing service: A systematic literature review. Global Knowledge, Memory and Communication, 70(1/2), 114-153.
Shaw, B., & Kesharwani, A. (2019). Moderating effect of smartphone addiction on mobile wallet payment adoption. Journal of Internet Commerce, 18(3), 291-309.
Shaw, N. (2014). The mediating influence of trust in the adoption of the mobile wallet. Journal of Retailing and Consumer Services, 21(4), 449-459.
Shaw, N. (2015). The mediating role of perceived security: An empirical study of mobile wallet adoption in USA. In F. F.-H. Nah & C.-H. Tan (Eds.), HCI in Business. HCIB 2015. Lecture Notes in Computer Science (Vol. 9191, pp. 358-369). Cham, Switzerland: Springer.
Shen, H., Faklaris, C., Jin, H., Dabbish, L., & Hong, J. I. (2020). 'I can't even buy apples if i don't use mobile pay?': When mobile payments become infrastructural in China. Proc. ACM Hum.-Comput. Interact., 4(CSCW2), Article 170.
Shin, D.-H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343-1354.
Shin, D. H. (2008). Understanding purchasing behaviors in a virtual economy: Consumer behavior involving virtual currency in Web 2.0 communities. Interacting with Computers, 20(4), 433-446.
Shin, S., & Lee, W.-j. (2014). The effects of technology readiness and technology acceptance on NFC mobile payment services in Korea. Journal of Applied Business Research (JABR), 30(6), 1615-1626.
Silverio-Fernández, M., Renukappa, S., & Suresh, S. (2018). What is a smart device? - a conceptualisation within the paradigm of the internet of things. Visualization in Engineering, 6(1), 3.
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191-205.
Soodan, V., & Rana, A. (2020). Modeling customers' intention to use e-wallet in a developing nation: Extending UTAUT2 with security, privacy and savings. Journal of Electronic Commerce in Organizations (JECO), 18(1), 89-114.
Statista. Global digital population as of January 2021. Retrieved from https://www.statista.com/statistics/617136/digital-population-worldwide/
Swilley, E. (2010). Technology rejection: The case of the wallet phone. Journal of Consumer Marketing, 27(4), 304-312.
Taherdoost, H. (2018). A review of technology acceptance and adoption models and theories. Procedia Manufacturing, 22, 960-967.
Talwar, S., Dhir, A., Khalil, A., Mohan, G., & Islam, A. K. M. N. (2020). Point of adoption and beyond. Initial trust and mobile-payment continuation intention. Journal of Retailing and Consumer Services, 55, 102086.
Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models. Information Systems Research, 6(2), 144-176.
Téllez, J., & Zeadally, S. (2017). Mobile payment systems: Secure network architectures and protocols. Cham, Switzerland: Springer.
Teng, S., & Khong, K. W. (2021). Examining actual consumer usage of E-wallet: A case study of big data analytics. Computers in Human Behavior, 121, 106778.
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), 369-392.
Tripathi, S. N., Srivastava, S., & Vishnani, S. (2021). Mobile wallets: achieving intention to recommend by brick and mortar retailers. Journal of Marketing Theory and Practice, 1-17.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.
Voorhees, C. M., Brady, M. K., Calantone, R., & Ramirez, E. (2016). Discriminant validity testing in marketing: An analysis, causes for concern, and proposed remedies. Journal of the Academy of Marketing Science, 44(1), 119-134.
Wu, J., Liu, L., & Huang, L. (2017). Consumer acceptance of mobile payment across time: Antecedents and moderating role of diffusion stages. Industrial Management & Data Systems, 117(8), 1761-1776.
Wu, K., Zhao, Y., Zhu, Q., Tan, X., & Zheng, H. (2011). A meta-analysis of the impact of trust on technology acceptance model: Investigation of moderating influence of subject and context type. International Journal of Information Management, 31(6), 572-581.
Xin, H., Techatassanasoontorn, A., & Tan, F. (2013). Exploring the Influence of Trust on Mobile Payment Adoption. In Proceedings of Pacific Asia Conference on Information Systems, Jeju Island, Korea.
Yadav, P. (2017). Active determinants for adoption of mobile wallet. i-manager’s Journal on Management, 12(1), 7-14.
Yan, L.-Y., Tan, G. W.-H., Loh, X.-M., Hew, J.-J., & Ooi, K.-B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300.
Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems, 115(2), 253-269.
Yousafzai, S., Foxall, G., & Pallister, J. (2007). Technology acceptance: A meta‐analysis of the TAM: Part 1. Journal of Modelling in Management, 2(3), 251-280.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development, 27(4), 290-300.
Zhou, T. (2014). An empirical examination of initial trust in mobile payment. Wireless Personal Communications, 77(2), 1519-1531.