Allen, R., & Burgess, S. (2013). Evaluating the provision of school performance information for school choice. Economics of Education Review, 34, 175-190.
Alsabawy, A. Y., Cater-Steel, A., & Soar, J. (2013). IT infrastructure services as a requirement for e-learning system suc-cess. Computers & Education, 69, 431-451.
Akhlaq, A., & Ahmed, E. (2013). The effect of motivation on trust in the acceptance of internet banking in a low income country. International journal of bank marketing, 31(2), 115-125.
Archibugi, D., & Coco, A. (2004). A new indicator of technological capabilities for developed and developing countries (ArCo). World development, 32(4), 629-654.
Bhatt, A., & Bhatt, S. (2016). Factors affecting customers adoption of mobile banking services. The Journal of Internet Banking and Commerce, 21(1), 1-22.
Bölen, M. C., & Özen, Ü. (2020). Understanding the factors affecting consumers' continuance intention in mobile shop-ping: the case of private shopping clubs. International Journal of Mobile Communications, 18(1), 101-129.
Boateng, H., Adam, D. R., Okoe, A. F., & Anning-Dorson, T. (2016). Assessing the determinants of internet banking adop-tion intentions: A social cognitive theory perspective. Computers in Human Behavior, 65, 468-478.
Cao, X., Yu, L., Liu, Z., Gong, M., & Adeel, L. (2018). Understanding mobile payment users’ continuance intention: a trust transfer perspective. Internet Research, 28(2), 456-476
Cao, X., Ali, A., Pitafi, A. H., Khan, A. N., & Waqas, M. (2020). A socio-technical system approach to knowledge creation and team performance: evidence from China. Information Technology & People, 34(7),1976-1996.
Chen, C. C., Hsiao, K. L., & Li, W. C. (2020). Exploring the determinants of usage continuance willingness for location-based apps: A case study of bicycle-based exercise apps. Journal of Retailing and Consumer Services, 55, 102097.
Chung, N., & Kwon, S. J. (2009). Effect of trust level on mobile banking satisfaction: a multi-group analysis of infor-mation system success instruments. Behaviour & Information Technology, 28(6), 549-562.
Chow, M., Herold, D. K., Choo, T. M., & Chan, K. (2012). Extending the technology acceptance model to explore the in-tention to use Second Life for enhancing healthcare education. Computers & education, 59(4), 1136-1144.
Dimitriadis, S., & Kyrezis, N. (2010). Linking trust to use intention for technology‐enabled bank channels: The role of trusting intentions. Psychology & Marketing, 27(8), 799-820.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology/ MIS Quarterly, 13( 3), 319-340.
DeLone, W.H., & McLean, E.R. (1992). Information systems success: the quest for the dependent variable. Information Systems Research, 3(1), 60-95.
Delone, W.H., & McLean, E.R. (2003). The DeLone and McLean model of information systems success: a ten-year up-date. Journal of Management Information Systems, 19 (4), 9-30.
Devece, C., Palacios, D., & Martinez-Simarro, D. (2017). Effect of information management capability on organizational performance. Service Business, 11(3), 563-580.
DeSanctis, G., & Poole, M.S. (1994). Capturing the complexity in advanced technology use: adaptive structuration theory. Organization Science, 5(2), 121-147.
Elliott, K. M., Hall, M. C., & Meng, G. (2013). Consumers’ intention to use self-scanning technology: the role of technol-ogy readiness and perceptions toward self-service technology. Academy of Marketing Studies Journal, 17(1), 129-143.
Fronell, C., & Larcker, D. (1981). Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research, 18, 39-50. https://doi.org/10.2307/3151312
Flavian, C., Guinalıu, M., & Torres, E. (2005). The influence of corporate image on consumer trust: a comparative analy-sis in traditional versus internet banking. Internet Research, 15(4), 447-470.
Frimpong, K., Shuridah, O., Wilson, A., & Sarpong, F. (2020). A cross‐national investigation of trait antecedents of mo-bile‐banking adoption. Thunderbird International Business Review, 62(4), 411-424.
Gerlach, J. M., & Lutz, J. K. (2019). Evidence on Usage Behavior and Future Adoption Intention of Fintechs and Digital Finance Solutions. The International Journal of Business and Finance Research, 13(2), 83-105.
Hu, J., He, W., & Zhou, K. (2020). The mind, the heart, and the leader in times of crisis: how and when COVID-19-triggered mortality salience relates to state anxiety, job engagement, and prosocial behavior. Journal of Applied Psy-chology, 105( 11), 1218-1233.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2013). Partial least squares structural equation modeling: Rigorous applications, better results and higher acceptance. Long range planning, 46(1-2), 1-12.
Hair Jr, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European business review, 26(2), 106-121.
Hu, Z., Ding, S., Li, S., Chen, L., & Yang, S. (2019). Adoption intention of fintech services for bank users: An empirical examination with an extended technology acceptance model. Symmetry, 11(3), 340.
Islam, T., Li, J., Ali, A., Xiaobei, L., Sheikh, Z., & Zafar, A. U. (2020). Mapping online App hate: Determinants and con-sequences. Telematics and Informatics, 51, 101401.
Islam, T., Pitafi, A.H., Arya, V., Wang, Y., Akhtar, N., Mubarik, S., & Xiaobei, L. (2021). Panic buying in the COVID-19 pandemic: a multi-country examination. Journal of Retailing and Consumer Services, 59, 102357.
Johnson, E. J., & Tversky, A. (1983). Affect, generalization, and the perception of risk. Journal of personality and social psychology, 45(1), 20.
Kaabachi, S., Ben Mrad, S., & Petrescu, M. (2017). Consumer initial trust toward internet-only banks in France. Interna-tional Journal of Bank Marketing, 35(6), 903-924.
Kala Kamdjoug, J.R., Wamba-Taguimdje, S.-L., Wamba, S.F., & Kake, I.B.e. (2021). Determining factors and impacts of the intention to adopt mobile banking app in Cameroon: case of SARA by Afriland First Bank. Journal of Retailing and Consumer Services, 61, 102509.
Khan, N.A., Khan, A.N., Bahadur, W., & Ali, M. (2021). Mobile payment adoption: a multi-theory model, multi-method approach and multi-country study. International Journal of Mobile Communications, 19(4), 467-491.
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, G., Shin, B.S., & Lee, H.G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283-311.
Khan, A.N., Ali, A., Khan, N.A., & Jehan, N. (2019). A study of relationship between transformational leadership and task performance: the role of social media and affective organisational commitment. International Journal of Business In-formation Systems, 31 (4), 499-516.
Kamdjoug, J. R. K., Wamba-Taguimdje, S. L., Wamba, S. F., & Kake, I. B. E. (2021). Determining factors and impacts of the intention to adopt mobile banking app in Cameroon: Case of SARA by Afriland First Bank. Journal of Retailing and Consumer Services, 61, 102509.
Lee, M.-C. (2009). Factors influencing the adoption of internet banking: an integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130-141.
Lee, S. A., Mathis, A. A., Jobe, M. C., & Pappalardo, E. A. (2020). Clinically significant fear and anxiety of COVID-19: A psychometric examination of the Coronavirus Anxiety Scale. Psychiatry research, 290, 113112.
Liu, G.S., & Tai, P.T. (2016). A study of factors affecting the intention to use mobile payment services in Vietnam. Eco-nomics World, 4(6), 249-273.
Lu, H.P., & Su, Y.J. (2013). Factors affecting purchase intention on mobile shopping web sites. Internet Research, 19(4), 442-458.
Lerner, J. S., & Keltner, D. (2000). Beyond valence: Toward a model of emotion-specific influences on judgement and choice. Cognition & Emotion, 14(4), 473-493.
Liebana-Cabanillas, F., Marinkovic, V., & Kalinic, Z. (2017). A SEM-neural network approach for predicting antecedents of m-commerce acceptance. International Journal of Information Management, 37(2), 14-24.
Liu, G.S., & Tai, P.T. (2016). A study of factors affecting the intention to use mobile payment services in Vietnam. Eco-nomics World, 4 (6), 249-273.
Lin, H.F. (2008). Measuring online learning systems success: applying the updated DeLone and McLean model”, Cy-berPsychology and Behavior, 10(6), 817-820.
Marinkovic, V., & Obradovic, V. (2015). Customers’ emotional reactions in the banking industry. International Journal of Bank Marketing, 33(3), 243-260.
McCleskey, J., & Gruda, D. (2021). Risk-taking, resilience, and state anxiety during the COVID-19 pandemic: a coming of (old) age story. Personality and Individual Differences, 170, 110485.
Merhi, M., Hone, K., & Tarhini, A. (2019). A cross-cultural study of the intention to use mobile banking between Leba-nese and British consumers: extending UTAUT2 with security, privacy and trust. Technology in Society, 59, 101151.
Moon, J.-W., & Kim, Y.-G. (2001). Extending the TAM for a world-wide-web context. Information and Management, 38(4), 217-230.
Mohammadi, H. (2015). Investigating users’ perspectives on e-learning: An integration of TAM and IS success mod-el. Computers in human behavior, 45, 359-374.
Nawayseh, M. K. A. (2020). FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1-15.
Nikčević, A. V., Marino, C., Kolubinski, D. C., Leach, D., & Spada, M. M. (2021). Modelling the contribution of the Big Five personality traits, health anxiety, and COVID-19 psychological distress to generalised anxiety and depressive symptoms during the COVID-19 pandemic. Journal of affective disorders, 279, 578-584.
Nangin, M. A., Barus, I. R. G., & Wahyoedi, S. (2020). The effects of perceived ease of use, security, and promotion on trust and its implications on fintech adoption. Journal of Consumer Sciences, 5(2), 124-138.
Ozen, G., Koc, H., & Aksoy, C. (2020). Health anxiety status of elite athletes in COVID-19 social isolation period. Brati-slava Medical Journal, 121(12), 888-893.
Oliveira, T., & Martins, M. F. (2010). Understanding e‐business adoption across industries in European countries. Indus-trial Management & Data Systems, 110(9), 1337-1354.
Petter, S., & Mclean, E.R. (2009). A meta-analytic assessment of the DeLone and McLean IS success model: an examina-tion of IS success at the individual level. Information and Management, 46(3), 159-166.
Petter, S., Delone, W., & Mclean, E. (2008). Measuring information systems success: models, dimensions, measures, and interrelationships. European Journal of Information Systems, 17(3), 236-263.
Picoto, W.N., & Pinto, I. (2021). Cultural impact on mobile banking use – a multi-method approach. Journal of Business Research, 124, 620-628.
Poulova, P., & Simonova, I. (2014). E-learning reflected in research studies in Czech republic: comparative analyses. Pro-cedia - Social and Behavioral Sciences, 116, 1298-1304.
Rafdinal, W., & Senalasari, W. (2021). Predicting the adoption of mobile payment applications during the COVID-19 pandemic. International Journal of Bank Marketing, 39(6), 984-1002.
Rachman, S. (2012). Health anxiety disorders: A cognitive construal. Behaviour research and therapy, 50(7-8), 502-512.
Reicks, R. (2001). How to ensure that knowledge is power. Journal of Business Strategy, 22(4), 32-32.
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.
Singh, S., & Srivastava, R.K. (2018). Predicting the intention to use mobile banking in India. International Journal of Bank Marketing, 36(2), 357–378.
Slazus, B. J., & Bick, G. (2020). Factors that influence fintech adoption in South Africa: A study of consumer behavior towards branchless mobile banking. Athens Journal of Business & Economics, 6, 1-21.
Schneider, S. H., Eger, J., Bruder, M., Faust, J., & Wieler, L. H. (2021). Does the COVID-19 pandemic threaten global sol-idarity? Evidence from Germany. World development, 140, 105356.
Statista (2022). Number of smartphone users worldwide from 2016 to 2021. available at: https:// www.statista.com/statistics/330695/number-of-smartphone-users-worldwide/ (accessed 19 March 2022).
Schaupp, L. C., Fan, W., & Belanger, F. (2006, January). Determining success for different website goals. In Proceedings of the 39th Annual Hawaii International Conference on System Sciences (HICSS'06) (Vol. 6, pp. 107b-107b). IEEE.
Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1(3), 247-263.
Ting, H., Yacob, Y., Liew, L., & Lau, W. M. (2016). Intention to use mobile payment system: A case of developing market by ethnicity. Procedia-Social and Behavioral Sciences, 224, 368-375.
Tam, C., & Oliveira, T. (2016). Understanding the impact of m-banking on individual performance: DeLone and McLean and TTF perspective. Computers in Human Behavior, 61, 233-244.
Tajuddin, R.A., Baharudin, M., & Hoon, T.S. (2013). System quality and its influence on students’ learning satisfaction in UiTM Shah Alam. Procedia - Social and Behavioral Sciences, 90, 677-685.
Talwar, S., Dhir, A., Khalil, A., Mohan, G., & Islam, A.K.M.N. (2020). Point of adoption and beyond. Initial trust and mo-bile-payment continuation intention. Journal of Retailing and Consumer Services, 55, 102086.
Trougakos, J.P., Chawla, N., & McCarthy, J.M. (2020). Working in a pandemic: exploring the impact of COVID-19 health anxiety on work, family, and health outcomes. Journal of Applied Psychology, 105(11), 1234-1245.
Verıssimo, J.M.C. (2016). Enablers and restrictors of mobile banking app use: a fuzzy set qualitative comparative analysis (fsQCA). Journal of Business Research, 69(11), 5456-5460.
Venkatesh, V., Morris, M.G., Davis, G.B., & Davis, F.D. (2003). User acceptance of information technology: toward a uni-fied view. MIS Quarterly, 27(3), 425-478.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the uni-fied theory of acceptance and use of technology. MIS quarterly, 36(1), 157-178.
Urbach, N., Smolnik, S., & Riempp, G. (2010). An empirical investigation of employee portal success. The Journal of Strategic Information Systems, 19(3), 184-206.
Wang, Y.-S., & Liao, Y.-W. (2008). Assessing eGovernment systems success: a validation of the DeLone and McLean model of information systems success. Government Information Quarterly, 25(4), 717-733.
Wu, Y.J., Liu, W.J., & Yuan, C.H. (2020). A mobile-based barrier-free service transportation platform for people with disabilities. Computers in Human Behavior, 107, 105776.
Wu, J.-H., & Wang, Y.-M. (2006). Measuring KMS success: a respecification of the DeLone and McLean’s model. Infor-mation and Management, 43(6), 728-739.
Yuan, Z., Ye, Z., & Zhong, M. (2021). Plug back into work, safely: job reattachment, leader safety commitment, and job engagement in the COVID-19 pandemic. Journal of Applied Psychology, 106 (1), 62-70.
Zheng, F., Khan, N. A., & Khan, M. W. A. (2021). Unethical leadership and employee extra-role behavior in information technology sector: A moderated mediation analysis. Frontiers in Psychology, 12.
Zheng, Y., Zhao, K., & Stylianou, A. (2013). The impacts of information quality and system quality on users' continuance intention in information-exchange virtual communities: An empirical investigation. Decision support systems, 56, 513-524.
Zhou, Q., Lim, F. J., Yu, H., Xu, G., Ren, X., Liu, D., ... & Xu, H. (2021). A study on factors affecting service quality and loyalty intention in mobile banking. Journal of Retailing and Consumer Services, 60, 102424.
Zhao, Y., & Bacao, F. (2021). How does the pandemic facilitate mobile payment? An investigation on users’ perspective under the COVID-19 pandemic. International journal of environmental research and public health, 18(3), 1016.