How to cite this paper
Al-Gasawneh, J., AL-Hawamleh, A., Alorfi, A & Al-Rawashde, G. (2022). Moderating the role of the perceived security and endorsement on the relationship between per-ceived risk and intention to use the artificial intelligence in financial services.International Journal of Data and Network Science, 6(3), 743-752.
Refrences
Aanchal, N. (2020). Impact of Influencer Marketing on Purchase Intention with Specific Reference to Health and Beauty Products. International Journal of Creative Research Thoughts 8(3), 3157-3170. https://www.ijcrt.org/papers/IJCRT2003432.pdf
Al-Gasawneh, J. A., Anuar, M. M., Dacko-Pikiewicz, Z., & Saputra, J. (2021). The impact of customer relationship man-agement dimensions on service quality. Polish Journal of Management Studies, 23, 24-44.
Al-Gasawneh, J., Al-Wadi, M., Al-Wadi, B., Alown, B. & Nuseirat, N. (2020). The Interaction Effect of Comprehensive-ness Between social media and Online Purchasing Intention in Jordanian Pharmacies. International Association of Online Engineering. Retrieved October 13, 2020 from https://www.learntechlib.org/p/217794/.
Alghasawneh, L. A. S., Akhorshaideh, A. H., Alharafsheh, M., Ghasawneh, A., Al-Gasawneh, J. A., & Al-Hadid, A. Y. (2021). Determinants of Supply Chain Management Practices in Jordanian Pharmaceutical Firms. Solid State Technol-ogy, 64(2), 2986-3001.
Alhawamleh, A. M. K. (2012). Web Based English Placement Test System (ELPTS) (Doctoral dissertation, Universiti Utara Malaysia).
Alhawamleh, A. M., & Ngah, A. (2017, May). Knowledge sharing among jordanian academicians: A case study of tafila technical university (TTU) and mutah university (MU). In 2017 8th International Conference on Information Technol-ogy (ICIT) (pp. 262-270). IEEE.
AL-Rawashdeh, G. H., & Mamat, R. B. (2019). Comparison of four email classification algorithms using WE-KA. International Journal of Computer Science and Information Security (IJCSIS), 17(2), 42-54.
Amirtha, R., Sivakumar, V. J., & Hwang, Y. (2021). Influence of Perceived Risk Dimensions on e-Shopping Behavioural Intention among Women—A Family Life Cycle Stage Perspective. Journal of Theoretical and Applied Electronic Commerce Research, 16(3), 320-355.
Amriel, E. E. Y. (2018). The Effect on the Information Quality of Mobile Advertising on Brand Attitudes and Purchase In-tention in Instagram. Journal of Economics, Business, and Government Challenges, 1(2), 83-92.
Anuar, N. I. M., Mohamad, S. R., Zulkiffli, W. F. W., Hashim, N. A. A. N., Abdullah, A. R., Rasdi, A. L. M., ... & Abdul-lah, S. S. (2020). Impact Of Social Media Influencer on Instagram User Purchase Intention Towards the Fashion Prod-ucts: The Perspectives of Students. European Journal of Molecular & Clinical Medicine, 7(8), 2589-2598.
Baron, R. M., & Kenny, D. A. (1986). The moderator–mediator variable distinction in social psychological research: Con-ceptual, strategic, and statistical considerations. Journal of personality and social psychology, 51(6), 1173.
Belanger, F., Hiller, J. S., & Smith, W. J. (2002). Trustworthiness in electronic commerce: the role of privacy, security, and site attributes. The journal of strategic Information Systems, 11(3-4), 245-270.
Bibi, P., Pangil, F., & Johari, J. (2016). HRM practices and employees’ rentention: The perspective of job embeddedness theory. Asian Journal of Multidisciplinary Studies, 4(5), 41-47.
Buchanan, B. G., & Wright, D. (2021). The impact of machine learning on UK financial services. Oxford Review of Eco-nomic Policy, 37(3), 537-563.
Bunduchi, R. (2005). Business relationships in internet‐based electronic markets: the role of goodwill trust and transaction costs. Information Systems Journal, 15(4), 321-341.
Chellappa, R. K., & Pavlou, P. A. (2002). Perceived information security, financial liability and consumer trust in elec-tronic commerce transactions. Logistics Information Management, 15(5/6), 358-368.
Chen, L. S. L. (2010). The impact of perceived risk, intangibility and consumer characteristics on online game play-ing. Computers in Human Behavior, 26(6), 1607-1613.
Chen, Y., Yan, X., Fan, W., & Gordon, M. (2015). The joint moderating role of trust propensity and gender on consumers’ online shopping behavior. Computers in Human Behavior, 43, 272-283.
Cohen, J. (1988). Statistical power analysis for the behavioral sciences. 2nd ed. Hillsdale, NJ: Erlbaum
Diamantopoulos, A., & Siguaw, J. A. (2006). Formative versus reflective indicators in organizational measure develop-ment: A comparison and empirical illustration. British journal of management, 17(4), 263-282.
Dwivedi, Y. K., Hughes, L., Ismagilova, E., Aarts, G., Coombs, C., Crick, T., ... & Williams, M. D. (2019). Artificial Intel-ligence (AI): Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 57, 101994.
Eastlick, M. A., Lotz, S. L., & Warrington, P. (2006). Understanding online B-to-C relationships: An integrated model of privacy concerns, trust, and commitment. Journal of business research, 59(8), 877-886.
Flavián, C., Guinalíu, M., & Gurrea, R. (2006). The role played by perceived usability, satisfaction and consumer trust on website loyalty. Information & management, 43(1), 1-14.
Fletcher, J. (2018). Deepfakes, artificial intelligence, and some kind of dystopia: The new faces of online post-fact per-formance. Theatre Journal, 70(4), 455-471.
Framarz, B., Mohamed, A., Krish, K., & Henry, W. (2016). A Meta-Analytical Approach toward development of a Com-prehensive Measurement Scale for Consumers' Perceived Risks from Innovative Offerings. Advances in Management, 9(7), 1.
Franke, G., & Sarstedt, M. (2019). Heuristics versus statistics in discriminant validity testing: a comparison of four pro-cedures. Internet Research, 29(3), 430-447.
Freedman, R. S. (2006). Introduction to financial technology. Elsevier.
Gansser, O. A., & Reich, C. S. (2021). A new acceptance model for artificial intelligence with extensions to UTAUT2: An empirical study in three segments of application. Technology in Society, 65, 101535.
Gefen, D., Rigdon, E. E., & Straub, D. (2011). Editor's comments: an update and extension to SEM guidelines for adminis-trative and social science research. MIS quarterly, 35(3), 3-14.
Hair Jr, J. F., Sarstedt, M., Ringle, C. M., & Gudergan, S. P. (2017). Advanced issues in partial least squares structural equation modeling. Sage publications.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European business review.
Hair, J.F., Hult, G.T.M., Ringle, C., & Sarstedt, M. (2016). A primer on partial least squares structural equation modeling (PLS-SEM). Sage publications
Halimi, F. F., Gabarre, S., Rahi, S., Al-Gasawneh, J. A., & Ngah, A. H. (2021). Modelling Muslims’ revisit intention of non-halal certified restaurants in Malaysia. Journal of Islamic Marketing.
Hasan, R., Shams, R., & Rahman, M. (2021). Consumer trust and perceived risk for voice-controlled artificial intelli-gence: The case of Siri. Journal of Business Research, 131, 591-597.
Hawamleh, A. M. A., Alorfi, A. S. M., Al-Gasawneh, J. A., & Al-Rawashdeh, G. (2020). Cyber security and ethical hack-ing: The importance of protecting user data. Solid State Technology, 63(5), 7894-7899.
Hawamleh, A. M., & Ngah, A. (2017). An Adoption Model of Mobile Knowledge Sharing Based on the Theory of Planned Behavior. Journal of Telecommunication, Electronic and Computer Engineering (JTEC), 9(3-5), 37-43.
Hong, I. B., & Cha, H. S. (2013). The mediating role of consumer trust in an online merchant in predicting purchase inten-tion. International Journal of Information Management, 33(6), 927-939.
Hu, H., Zhang, D., & Wang, C. (2019). Impact of social media influencers' endorsement on application adoption: A trust transfer perspective. Social Behavior and Personality: an international journal, 47(11), 1-12.
Iqbal, S., Hunjra, A. I., & Rehman, K. U. (2012). Consumer intention to shop online: B2C E-commerce in developing countries. Middle-East Journal of Scientific Research, 12(4), 424-432.
Jordan, G., Leskovar, R., & Marič, M. (2018). Impact of fear of identity theft and perceived risk on online purchase inten-tion. Organizacija, 51(2).
Ki, C. W. C., Cuevas, L. M., Chong, S. M., & Lim, H. (2020). Influencer marketing: Social media influencers as human brands attaching to followers and yielding positive marketing results by fulfilling needs. Journal of Retailing and Con-sumer Services, 55, 102133.
Kim, J. (2020). The influence of perceived costs and perceived benefits on AI-driven interactive recommendation agent value. Journal of Global Scholars of Marketing Science, 30(3), 319-333.
Liu, X., He, M., Gao, F., & Xie, P. (2008). An empirical study of online shopping customer satisfaction in China: a holis-tic perspective. International Journal of Retail & Distribution Management, 36(11).
Lui, A., & Lamb, G. W. (2018). Artificial intelligence and augmented intelligence collaboration: regaining trust and con-fidence in the financial sector. Information & Communications Technology Law, 27(3), 267-283.
Masnita, Y., Rasyawal, M., & Yusran, H. L. (2021). Halal Transaction: Implication For Digital Retail By Using Financial Technology. Jurnal Ilmiah Ekonomi Islam, 7(1), 16-22.
Masoud, E. Y. (2013). The effect of perceived risk on online shopping in Jordan. European Journal of Business and Man-agement, 5(6), 76-87.
Mhlanga, D. (2020). Industry 4.0 in finance: the impact of artificial intelligence (ai) on digital financial inclu-sion. International Journal of Financial Studies, 8(3), 45.
Mitchell, V. W. (1999). Consumer perceived risk: conceptualisations and models. European Journal of marketing.
MoDEE, Ministry of Digital Economy and Entrepreneurship, (2020). Jordan Artificial Intelligence Policy2020. Retrieved from: https://www.modee.gov.jo/ebv4.0/root_storage/en/eb_list_page/ai_final_-_english_version.pdf.
Nagori. A. (2020). Impact of Influencer Marketing on Purchase Intention With Specific Reference to Health and Beauty Products. International Journal of Creative Research Thoughts (IJCRT), 8(3), 3157-3170, http://ijcrt.org/viewfull.php?&p_id=IJCRT2003432
Nagy, S., & Hajdú, N. (2021). Consumer Acceptance of the Use of Artificial Intelligence in Online Shopping: Evidence from Hungary. Amfiteatru Economic, 23(56).
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2019). M‐payment service: Interplay of perceived risk, benefit, and trust in service adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31-43.
Pau, L. F. (1991). Artificial intelligence and financial services. IEEE transactions on knowledge and data engineer-ing, 3(2), 137-148.
Pelau, C., Pop, M. I., Ene, I., & Lazar, L. (2021). Clusters of Skeptical Consumers Based on Technology and AI Ac-ceptance, Perception of Social Media Information and Celebrity Trend Setter. Journal of Theoretical and Applied Elec-tronic Commerce Research, 16(5), 1231-1247.
Salameh, R., & Lutfi, K. (2021). The role of artificial intelligence on limiting Jordanian commercial banks cyber-crimes. Accounting, 7(5), 1147-1156.
Schlosser, A. E., White, T. B., & Lloyd, S. M. (2006). Converting web site visitors into buyers: how web site investment increases consumer trusting beliefs and online purchase intentions. Journal of marketing, 70(2), 133-148.
Suh, B., & Han, I. (2003). The impact of customer trust and perception of security control on the acceptance of electronic commerce. International Journal of electronic commerce, 7(3), 135-161.
Susanto, P., Hoque, M. E., Hashim, N. M. H. N., Shah, N. U., & Alam, M. N. A. (2020). Moderating effects of perceived risk on the determinants–outcome nexus of e-money behaviour. International Journal of Emerging Markets, 17(2), 530-549.
Sweeney, D. (2015). What is Fintech and what does it mean for small businesses?
Veissi, I. (2017). Influencer marketing on Instagram.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 590-603. https://doi.org/10.1108/FS-07-2017-0026.
Xia, H., & Hou, Z. (2016). Consumer use intention of online financial products: the Yuebao example. Financial Innova-tion, 2(1), 1-12.
Al-Gasawneh, J. A., Anuar, M. M., Dacko-Pikiewicz, Z., & Saputra, J. (2021). The impact of customer relationship man-agement dimensions on service quality. Polish Journal of Management Studies, 23, 24-44.
Al-Gasawneh, J., Al-Wadi, M., Al-Wadi, B., Alown, B. & Nuseirat, N. (2020). The Interaction Effect of Comprehensive-ness Between social media and Online Purchasing Intention in Jordanian Pharmacies. International Association of Online Engineering. Retrieved October 13, 2020 from https://www.learntechlib.org/p/217794/.
Alghasawneh, L. A. S., Akhorshaideh, A. H., Alharafsheh, M., Ghasawneh, A., Al-Gasawneh, J. A., & Al-Hadid, A. Y. (2021). Determinants of Supply Chain Management Practices in Jordanian Pharmaceutical Firms. Solid State Technol-ogy, 64(2), 2986-3001.
Alhawamleh, A. M. K. (2012). Web Based English Placement Test System (ELPTS) (Doctoral dissertation, Universiti Utara Malaysia).
Alhawamleh, A. M., & Ngah, A. (2017, May). Knowledge sharing among jordanian academicians: A case study of tafila technical university (TTU) and mutah university (MU). In 2017 8th International Conference on Information Technol-ogy (ICIT) (pp. 262-270). IEEE.
AL-Rawashdeh, G. H., & Mamat, R. B. (2019). Comparison of four email classification algorithms using WE-KA. International Journal of Computer Science and Information Security (IJCSIS), 17(2), 42-54.
Amirtha, R., Sivakumar, V. J., & Hwang, Y. (2021). Influence of Perceived Risk Dimensions on e-Shopping Behavioural Intention among Women—A Family Life Cycle Stage Perspective. Journal of Theoretical and Applied Electronic Commerce Research, 16(3), 320-355.
Amriel, E. E. Y. (2018). The Effect on the Information Quality of Mobile Advertising on Brand Attitudes and Purchase In-tention in Instagram. Journal of Economics, Business, and Government Challenges, 1(2), 83-92.
Anuar, N. I. M., Mohamad, S. R., Zulkiffli, W. F. W., Hashim, N. A. A. N., Abdullah, A. R., Rasdi, A. L. M., ... & Abdul-lah, S. S. (2020). Impact Of Social Media Influencer on Instagram User Purchase Intention Towards the Fashion Prod-ucts: The Perspectives of Students. European Journal of Molecular & Clinical Medicine, 7(8), 2589-2598.
Baron, R. M., & Kenny, D. A. (1986). The moderator–mediator variable distinction in social psychological research: Con-ceptual, strategic, and statistical considerations. Journal of personality and social psychology, 51(6), 1173.
Belanger, F., Hiller, J. S., & Smith, W. J. (2002). Trustworthiness in electronic commerce: the role of privacy, security, and site attributes. The journal of strategic Information Systems, 11(3-4), 245-270.
Bibi, P., Pangil, F., & Johari, J. (2016). HRM practices and employees’ rentention: The perspective of job embeddedness theory. Asian Journal of Multidisciplinary Studies, 4(5), 41-47.
Buchanan, B. G., & Wright, D. (2021). The impact of machine learning on UK financial services. Oxford Review of Eco-nomic Policy, 37(3), 537-563.
Bunduchi, R. (2005). Business relationships in internet‐based electronic markets: the role of goodwill trust and transaction costs. Information Systems Journal, 15(4), 321-341.
Chellappa, R. K., & Pavlou, P. A. (2002). Perceived information security, financial liability and consumer trust in elec-tronic commerce transactions. Logistics Information Management, 15(5/6), 358-368.
Chen, L. S. L. (2010). The impact of perceived risk, intangibility and consumer characteristics on online game play-ing. Computers in Human Behavior, 26(6), 1607-1613.
Chen, Y., Yan, X., Fan, W., & Gordon, M. (2015). The joint moderating role of trust propensity and gender on consumers’ online shopping behavior. Computers in Human Behavior, 43, 272-283.
Cohen, J. (1988). Statistical power analysis for the behavioral sciences. 2nd ed. Hillsdale, NJ: Erlbaum
Diamantopoulos, A., & Siguaw, J. A. (2006). Formative versus reflective indicators in organizational measure develop-ment: A comparison and empirical illustration. British journal of management, 17(4), 263-282.
Dwivedi, Y. K., Hughes, L., Ismagilova, E., Aarts, G., Coombs, C., Crick, T., ... & Williams, M. D. (2019). Artificial Intel-ligence (AI): Multidisciplinary perspectives on emerging challenges, opportunities, and agenda for research, practice and policy. International Journal of Information Management, 57, 101994.
Eastlick, M. A., Lotz, S. L., & Warrington, P. (2006). Understanding online B-to-C relationships: An integrated model of privacy concerns, trust, and commitment. Journal of business research, 59(8), 877-886.
Flavián, C., Guinalíu, M., & Gurrea, R. (2006). The role played by perceived usability, satisfaction and consumer trust on website loyalty. Information & management, 43(1), 1-14.
Fletcher, J. (2018). Deepfakes, artificial intelligence, and some kind of dystopia: The new faces of online post-fact per-formance. Theatre Journal, 70(4), 455-471.
Framarz, B., Mohamed, A., Krish, K., & Henry, W. (2016). A Meta-Analytical Approach toward development of a Com-prehensive Measurement Scale for Consumers' Perceived Risks from Innovative Offerings. Advances in Management, 9(7), 1.
Franke, G., & Sarstedt, M. (2019). Heuristics versus statistics in discriminant validity testing: a comparison of four pro-cedures. Internet Research, 29(3), 430-447.
Freedman, R. S. (2006). Introduction to financial technology. Elsevier.
Gansser, O. A., & Reich, C. S. (2021). A new acceptance model for artificial intelligence with extensions to UTAUT2: An empirical study in three segments of application. Technology in Society, 65, 101535.
Gefen, D., Rigdon, E. E., & Straub, D. (2011). Editor's comments: an update and extension to SEM guidelines for adminis-trative and social science research. MIS quarterly, 35(3), 3-14.
Hair Jr, J. F., Sarstedt, M., Ringle, C. M., & Gudergan, S. P. (2017). Advanced issues in partial least squares structural equation modeling. Sage publications.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European business review.
Hair, J.F., Hult, G.T.M., Ringle, C., & Sarstedt, M. (2016). A primer on partial least squares structural equation modeling (PLS-SEM). Sage publications
Halimi, F. F., Gabarre, S., Rahi, S., Al-Gasawneh, J. A., & Ngah, A. H. (2021). Modelling Muslims’ revisit intention of non-halal certified restaurants in Malaysia. Journal of Islamic Marketing.
Hasan, R., Shams, R., & Rahman, M. (2021). Consumer trust and perceived risk for voice-controlled artificial intelli-gence: The case of Siri. Journal of Business Research, 131, 591-597.
Hawamleh, A. M. A., Alorfi, A. S. M., Al-Gasawneh, J. A., & Al-Rawashdeh, G. (2020). Cyber security and ethical hack-ing: The importance of protecting user data. Solid State Technology, 63(5), 7894-7899.
Hawamleh, A. M., & Ngah, A. (2017). An Adoption Model of Mobile Knowledge Sharing Based on the Theory of Planned Behavior. Journal of Telecommunication, Electronic and Computer Engineering (JTEC), 9(3-5), 37-43.
Hong, I. B., & Cha, H. S. (2013). The mediating role of consumer trust in an online merchant in predicting purchase inten-tion. International Journal of Information Management, 33(6), 927-939.
Hu, H., Zhang, D., & Wang, C. (2019). Impact of social media influencers' endorsement on application adoption: A trust transfer perspective. Social Behavior and Personality: an international journal, 47(11), 1-12.
Iqbal, S., Hunjra, A. I., & Rehman, K. U. (2012). Consumer intention to shop online: B2C E-commerce in developing countries. Middle-East Journal of Scientific Research, 12(4), 424-432.
Jordan, G., Leskovar, R., & Marič, M. (2018). Impact of fear of identity theft and perceived risk on online purchase inten-tion. Organizacija, 51(2).
Ki, C. W. C., Cuevas, L. M., Chong, S. M., & Lim, H. (2020). Influencer marketing: Social media influencers as human brands attaching to followers and yielding positive marketing results by fulfilling needs. Journal of Retailing and Con-sumer Services, 55, 102133.
Kim, J. (2020). The influence of perceived costs and perceived benefits on AI-driven interactive recommendation agent value. Journal of Global Scholars of Marketing Science, 30(3), 319-333.
Liu, X., He, M., Gao, F., & Xie, P. (2008). An empirical study of online shopping customer satisfaction in China: a holis-tic perspective. International Journal of Retail & Distribution Management, 36(11).
Lui, A., & Lamb, G. W. (2018). Artificial intelligence and augmented intelligence collaboration: regaining trust and con-fidence in the financial sector. Information & Communications Technology Law, 27(3), 267-283.
Masnita, Y., Rasyawal, M., & Yusran, H. L. (2021). Halal Transaction: Implication For Digital Retail By Using Financial Technology. Jurnal Ilmiah Ekonomi Islam, 7(1), 16-22.
Masoud, E. Y. (2013). The effect of perceived risk on online shopping in Jordan. European Journal of Business and Man-agement, 5(6), 76-87.
Mhlanga, D. (2020). Industry 4.0 in finance: the impact of artificial intelligence (ai) on digital financial inclu-sion. International Journal of Financial Studies, 8(3), 45.
Mitchell, V. W. (1999). Consumer perceived risk: conceptualisations and models. European Journal of marketing.
MoDEE, Ministry of Digital Economy and Entrepreneurship, (2020). Jordan Artificial Intelligence Policy2020. Retrieved from: https://www.modee.gov.jo/ebv4.0/root_storage/en/eb_list_page/ai_final_-_english_version.pdf.
Nagori. A. (2020). Impact of Influencer Marketing on Purchase Intention With Specific Reference to Health and Beauty Products. International Journal of Creative Research Thoughts (IJCRT), 8(3), 3157-3170, http://ijcrt.org/viewfull.php?&p_id=IJCRT2003432
Nagy, S., & Hajdú, N. (2021). Consumer Acceptance of the Use of Artificial Intelligence in Online Shopping: Evidence from Hungary. Amfiteatru Economic, 23(56).
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2019). M‐payment service: Interplay of perceived risk, benefit, and trust in service adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31-43.
Pau, L. F. (1991). Artificial intelligence and financial services. IEEE transactions on knowledge and data engineer-ing, 3(2), 137-148.
Pelau, C., Pop, M. I., Ene, I., & Lazar, L. (2021). Clusters of Skeptical Consumers Based on Technology and AI Ac-ceptance, Perception of Social Media Information and Celebrity Trend Setter. Journal of Theoretical and Applied Elec-tronic Commerce Research, 16(5), 1231-1247.
Salameh, R., & Lutfi, K. (2021). The role of artificial intelligence on limiting Jordanian commercial banks cyber-crimes. Accounting, 7(5), 1147-1156.
Schlosser, A. E., White, T. B., & Lloyd, S. M. (2006). Converting web site visitors into buyers: how web site investment increases consumer trusting beliefs and online purchase intentions. Journal of marketing, 70(2), 133-148.
Suh, B., & Han, I. (2003). The impact of customer trust and perception of security control on the acceptance of electronic commerce. International Journal of electronic commerce, 7(3), 135-161.
Susanto, P., Hoque, M. E., Hashim, N. M. H. N., Shah, N. U., & Alam, M. N. A. (2020). Moderating effects of perceived risk on the determinants–outcome nexus of e-money behaviour. International Journal of Emerging Markets, 17(2), 530-549.
Sweeney, D. (2015). What is Fintech and what does it mean for small businesses?
Veissi, I. (2017). Influencer marketing on Instagram.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 590-603. https://doi.org/10.1108/FS-07-2017-0026.
Xia, H., & Hou, Z. (2016). Consumer use intention of online financial products: the Yuebao example. Financial Innova-tion, 2(1), 1-12.