How to cite this paper
Gharaibeh, M. (2024). Determinants affecting the intention to adopt financial technology.International Journal of Data and Network Science, 8(4), 2087-2096.
Refrences
Abdullah, E. M. E., Rahman, A. A., & Rahim, R. A. (2018). Adoption of financial technology (Fintech) in mutual fund/unit trust investment among Malaysians: Unified Theory of Acceptance and Use of Technology (UTAUT). International Journal of Engineering Technology, 7(2.29), 110-118.
Agarwal, S., & Zhang, J. (2020). FinTech, lending and payment innovation: A review. Asia‐Pacific Journal of Financial Studies, 49(3), 353-367.
Al-Khawaja, H. A., Yamin, I., & Alshehadeh, A. (2023). The COVID-19 Pandemic’s Effects on Fintech in Banking Sector. Review of Economics and Finance, 21(1), 316-322.
Al-Naimi, A. A., & Yousef, R. A. (2021). Trends of fintech and cryptocurrencies Jordan recapitulation. International Journal of Entrepreneurship, 25(2), 1-17.
Al Nawayseh, M. K. (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), 153.
Alhajjaj, H., & Ahmad, A. (2022). Drivers of the consumers adoption of fintech services. Interdisciplinary Journal of Information, Knowledge & Management, 17, 259-285.
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective. Sustainability, 14(19), 12616.
Alt, R., Beck, R., & Smits, M. T. (2018). FinTech and the transformation of the financial industry. In (Vol. 28, pp. 235-243): Springer.
Amin, H. (2007). An analysis of mobile credit card usage intentions. Information Management & Computer Security, 15(4), 260-269.
Bajunaied, K., Hussin, N., & Kamarudin, S. (2023). Behavioral intention to adopt FinTech services: An extension of unified theory of acceptance and use of technology. Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100010.
Bendary, N., & Al-Sahouly, I. (2018). Exploring the extension of unified theory of acceptance and use of technology, UTAUT2, factors effect on perceived usefulness and ease of use on mobile commerce in Egypt. Journal of Business and Retail Management Research, 12(2), 60-71.
Bhattacherjee, A., & Sanford, C. (2006). Influence processes for information technology acceptance: An elaboration likelihood model. MIS quarterly, 30(4), 805-825.
Cheng, T. E., Lam, D. Y., & Yeung, A. C. (2006). Adoption of internet banking: an empirical study in Hong Kong. Decision support systems, 42(3), 1558-1572.
Chuang, L.-M., Liu, C.-C., & Kao, H.-K. (2016). The adoption of fintech service: TAM perspective. International Journal of Management and Administrative Sciences, 3(7), 1-15.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340.
F. Hair Jr, J., Sarstedt, M., Hopkins, L., & G. Kuppelwieser, V. (2014). Partial least squares structural equation modeling (PLS-SEM) An emerging tool in business research. European business review, 26(2), 106-121.
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: a perceived risk facets perspective. International Jjournal of Human-Computer Studies, 59(4), 451-474.
Gharaibeh, M., & Arshad, M. R. M. (2016). Current status of mobile banking services in Jordan. World Applied Sciences Journal, 34(7), 931-935.
Gharaibeh, M. K. (2022). Measuring student satisfaction of Microsoft teams as an online learning platform in Jordan: An application of UTAUT2 model. Human Systems Management, 42(2), 1-10.
Gharaibeh, M. K., & Arshad, M. R. M. (2018). Determinants of intention to use mobile banking in the North of Jordan: extending UTAUT2 with mass media and trust. Journal of Engineering and Applied Sciences, 13(8), 2023-2033.
Gharaibeh, M. K., Arshad, M. R. M., & Gharaibh, N. K. (2018). Using the UTAUT2 model to determine factors affecting adoption of mobile banking services: A qualitative approach. International Journal of Interactive Mobile Technologies, 12(4), 123-134.
Gharaibeh, M. K., & Gharaibeh, N. K. (2021). Understanding adoption intention of mobile shopping applications: Empirical assessment from IDT–perceived risk and enjoyment. International Journal of Sociotechnology and Knowledge Development (IJSKD), 13(2), 31-47.
Gharaibeh, M. K., & Gharaibeh, N. K. (2022). A conceptual framework for intention to use travel apps: A study from emerging markets. International Journal of Service Science, Management, Engineering, and Technology (IJSSMET), 13(1), 1-16.
Gharaibeh, M. K., Gharaibeh, N. K., Khan, M. A., Abu-ain, W. A. K., & Alqudah, M. K. (2021). Intention to use mobile augmented reality in the tourism sector. Computer Systems Science and Engineering, 37(2), 187-202.
Gharaibeh, N., Gharaibeh, M. K., Gharaibeh, O., & Bdour, W. (2020). Exploring intention to adopt mobile commerce: Integrating UTAUT2 with social media. International Journal of Scientific and Technology Research, 9(3), 3826-3833.
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, 31(1), 2-24.
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.
Huh, H. J., Kim, T. T., & Law, R. (2009). A comparison of competing theoretical models for understanding acceptance behavior of information systems in upscale hotels. International Journal of Hospitality Management, 28(1), 121-134.
Jalal, A., Al Mubarak, M., & Durani, F. (2023). Financial technology (fintech). In Artificial Intelligence and Transforming Digital Marketing (pp. 525-536): Springer.
Jin, C. C., Seong, L. C., & Khin, A. A. (2019). Factors affecting the consumer acceptance towards fintech products and services in Malaysia. International Journal of Asian Social Science, 9(1), 59-65.
Jiwasiddi, A., Adhikara, C., Adam, M., & Triana, I. Attitude toward using Fintech among Millennials. Paper presented at the WoMELA-GG 2019: The 1st Workshop on Multimedia Education, Learning, Assessment and its Implementation in Game and Gamification in conjunction with COMDEV 2018, Medan Indonesia, 26th January 2019, .
Jordan News. (2023). Internet and social media usage in Jordan in early 2023 Retrieved from https://www.jordannews.jo/Section-109/News/Report-reveals-internet-social-media-usage-in-Jordan-in-early-2023-27136
Kaur, G., Lashkari, Z. H., & Lashkari, A. H. (2021). Understanding Cybersecurity Management in FinTech: Springer.
Kim, Y., Choi, J., Park, Y.-J., & Yeon, J. (2016). The adoption of mobile payment services for “Fintech”. International Journal of Applied Engineering Research, 11(2), 1058-1061.
Kurniawan, I. A., Mugiono, M., & Wijayanti, R. (2022). The effect of Perceived Usefulness, Perceived Ease of Use, and social influence toward intention to use mediated by Trust. Jurnal Aplikasi Manajemen, 20(1), 117-127.
Lai, K. P. (2020). FinTech: The dis/re-intermediation of finance? In The Routledge handbook of financial geography (pp. 440-457): Routledge.
Le, M. T. (2021). Examining factors that boost intention and loyalty to use Fintech post-COVID-19 lockdown as a new normal behavior. Heliyon, 7(8), e07821.
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.
Leng, S. Y., Talib, A., & Gunardi, A. (2018). Financial technologies: A note on mobile payment. Jurnal Keuangan Dan Perbankan, 22(1), 51-62.
Lockett, A., & Littler, D. (1997). The adoption of direct banking services. Journal of marketing management, 13(8), 791-811.
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.
Meyliana, M., & Fernando, E. (2019). The influence of perceived risk and trust in adoption of FinTech services in Indonesia. Communication and Information Technology Journal, 13(1), 31-37.
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.
Patil, R., & Bharathi, S. V. (2022). A Study on the Business Transformation, Security issues and Investors Trust in Fintech Innovation. Cardiometry(24), 918-932.
Rabaa’i, A. A. (2021). An Investigation into the acceptance of mobile wallets in the FinTech era: an empirical study from Kuwait. International Journal of Business Information Systems, 1(1), 1.
Ryu, H.-S., & Ko, K. S. (2020). Sustainable development of Fintech: Focused on uncertainty and perceived quality issues. Sustainability, 12(18), 7669.
Salimon, M. G., Mokthar, S., Yusoff, R. Z., Adeleke, A., Morakiny, S., & Mushi, H. (2017). Facilitating conditions and perceived security as antecedents of trust among E-Banking customers in Nigeria. International Journal of Economic Research, 14(19), 265-276.
Setiawan, K., & Maulisa, N. (2020). The Evolution of Fintech: A Regulatory Approach Perspective. Paper presented at the 3rd International Conference on Law and Governance (ICLAVE 2019).
Singh, S., Sahni, M. M., & Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675-1697.
Singh, S., Sahni, M. M., & Kovid, R. K. (2021). Exploring Antecendents of FinTech Adoption Using Adapted Technology Acceptance Model. Paper presented at the Advances in Systems Engineering: Select Proceedings of NSC 2019.
Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech innovation in Germany. Information & Computer Security, 26(1), 109-128.
Susilo, A. Z., Prabowo, M. I., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). A comparative study of factors affecting user acceptance of go-pay and OVo as a feature of Fintech application. Procedia Computer Science, 161, 876-884.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). An adoption of fintech service in Malaysia. South East Asia Journal of Contemporary Business, 18(5), 134-147.
Urumsah, D., Ispridevi, R. F., Nurherwening, A., & Hardinto, W. (2022). Fintech adoption: Its determinants and organizational benefits in Indonesia. Jurnal Akuntansi dan Auditing Indonesia, 26(1), 88-101.
Venkatesh, V., & Davis, F. D. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision sciences, 27(3), 451-481.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management science, 46(2), 186-204.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 36(1), 157-178.
Wang, Y. S., Wang, Y. M., Lin, H. H., & Tang, T. I. (2003). Determinants of user acceptance of Internet banking: an empirical study. International journal of service industry management, 14(5), 501-519.
Won-jun, L. (2018). Understanding counsumer acceptance of Fintech Service: An extension of the TAM Model to understand Bitcoin. IOSR journal of business and management, 20(7), 34-37.
Yohanes, K., Junius, K., Saputra, Y., Sari, R., Lisanti, Y., & Luhukay, D. (2020a). Unified Theory of Acceptance and Use of Technology (UTAUT) model perspective to enhance user acceptance of fintech application. Paper presented at the 2020 International Conference on Information Management and Technology (ICIMTech).
Yohanes, K., Junius, K., Saputra, Y., Sari, R., Lisanti, Y., & Luhukay, D. (2020b). Unified Theory of Acceptance and Use of Technology (UTAUT) model perspective to enhance user acceptance of fintech application. Paper presented at the International Conference on Information Management and Technology (ICIMTech).
Zalan, T., & Toufaily, E. (2017). The promise of fintech in emerging markets: Not as disruptive. Contemporary Economics, 11(4), 415-431.
Zhou, X., & Chen, S. (2021). FinTech innovation regulation based on reputation theory with the participation of new media. Pacific-Basin Finance Journal, 67, 101565.
Agarwal, S., & Zhang, J. (2020). FinTech, lending and payment innovation: A review. Asia‐Pacific Journal of Financial Studies, 49(3), 353-367.
Al-Khawaja, H. A., Yamin, I., & Alshehadeh, A. (2023). The COVID-19 Pandemic’s Effects on Fintech in Banking Sector. Review of Economics and Finance, 21(1), 316-322.
Al-Naimi, A. A., & Yousef, R. A. (2021). Trends of fintech and cryptocurrencies Jordan recapitulation. International Journal of Entrepreneurship, 25(2), 1-17.
Al Nawayseh, M. K. (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), 153.
Alhajjaj, H., & Ahmad, A. (2022). Drivers of the consumers adoption of fintech services. Interdisciplinary Journal of Information, Knowledge & Management, 17, 259-285.
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective. Sustainability, 14(19), 12616.
Alt, R., Beck, R., & Smits, M. T. (2018). FinTech and the transformation of the financial industry. In (Vol. 28, pp. 235-243): Springer.
Amin, H. (2007). An analysis of mobile credit card usage intentions. Information Management & Computer Security, 15(4), 260-269.
Bajunaied, K., Hussin, N., & Kamarudin, S. (2023). Behavioral intention to adopt FinTech services: An extension of unified theory of acceptance and use of technology. Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100010.
Bendary, N., & Al-Sahouly, I. (2018). Exploring the extension of unified theory of acceptance and use of technology, UTAUT2, factors effect on perceived usefulness and ease of use on mobile commerce in Egypt. Journal of Business and Retail Management Research, 12(2), 60-71.
Bhattacherjee, A., & Sanford, C. (2006). Influence processes for information technology acceptance: An elaboration likelihood model. MIS quarterly, 30(4), 805-825.
Cheng, T. E., Lam, D. Y., & Yeung, A. C. (2006). Adoption of internet banking: an empirical study in Hong Kong. Decision support systems, 42(3), 1558-1572.
Chuang, L.-M., Liu, C.-C., & Kao, H.-K. (2016). The adoption of fintech service: TAM perspective. International Journal of Management and Administrative Sciences, 3(7), 1-15.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 13(3), 319-340.
F. Hair Jr, J., Sarstedt, M., Hopkins, L., & G. Kuppelwieser, V. (2014). Partial least squares structural equation modeling (PLS-SEM) An emerging tool in business research. European business review, 26(2), 106-121.
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: a perceived risk facets perspective. International Jjournal of Human-Computer Studies, 59(4), 451-474.
Gharaibeh, M., & Arshad, M. R. M. (2016). Current status of mobile banking services in Jordan. World Applied Sciences Journal, 34(7), 931-935.
Gharaibeh, M. K. (2022). Measuring student satisfaction of Microsoft teams as an online learning platform in Jordan: An application of UTAUT2 model. Human Systems Management, 42(2), 1-10.
Gharaibeh, M. K., & Arshad, M. R. M. (2018). Determinants of intention to use mobile banking in the North of Jordan: extending UTAUT2 with mass media and trust. Journal of Engineering and Applied Sciences, 13(8), 2023-2033.
Gharaibeh, M. K., Arshad, M. R. M., & Gharaibh, N. K. (2018). Using the UTAUT2 model to determine factors affecting adoption of mobile banking services: A qualitative approach. International Journal of Interactive Mobile Technologies, 12(4), 123-134.
Gharaibeh, M. K., & Gharaibeh, N. K. (2021). Understanding adoption intention of mobile shopping applications: Empirical assessment from IDT–perceived risk and enjoyment. International Journal of Sociotechnology and Knowledge Development (IJSKD), 13(2), 31-47.
Gharaibeh, M. K., & Gharaibeh, N. K. (2022). A conceptual framework for intention to use travel apps: A study from emerging markets. International Journal of Service Science, Management, Engineering, and Technology (IJSSMET), 13(1), 1-16.
Gharaibeh, M. K., Gharaibeh, N. K., Khan, M. A., Abu-ain, W. A. K., & Alqudah, M. K. (2021). Intention to use mobile augmented reality in the tourism sector. Computer Systems Science and Engineering, 37(2), 187-202.
Gharaibeh, N., Gharaibeh, M. K., Gharaibeh, O., & Bdour, W. (2020). Exploring intention to adopt mobile commerce: Integrating UTAUT2 with social media. International Journal of Scientific and Technology Research, 9(3), 3826-3833.
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, 31(1), 2-24.
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.
Huh, H. J., Kim, T. T., & Law, R. (2009). A comparison of competing theoretical models for understanding acceptance behavior of information systems in upscale hotels. International Journal of Hospitality Management, 28(1), 121-134.
Jalal, A., Al Mubarak, M., & Durani, F. (2023). Financial technology (fintech). In Artificial Intelligence and Transforming Digital Marketing (pp. 525-536): Springer.
Jin, C. C., Seong, L. C., & Khin, A. A. (2019). Factors affecting the consumer acceptance towards fintech products and services in Malaysia. International Journal of Asian Social Science, 9(1), 59-65.
Jiwasiddi, A., Adhikara, C., Adam, M., & Triana, I. Attitude toward using Fintech among Millennials. Paper presented at the WoMELA-GG 2019: The 1st Workshop on Multimedia Education, Learning, Assessment and its Implementation in Game and Gamification in conjunction with COMDEV 2018, Medan Indonesia, 26th January 2019, .
Jordan News. (2023). Internet and social media usage in Jordan in early 2023 Retrieved from https://www.jordannews.jo/Section-109/News/Report-reveals-internet-social-media-usage-in-Jordan-in-early-2023-27136
Kaur, G., Lashkari, Z. H., & Lashkari, A. H. (2021). Understanding Cybersecurity Management in FinTech: Springer.
Kim, Y., Choi, J., Park, Y.-J., & Yeon, J. (2016). The adoption of mobile payment services for “Fintech”. International Journal of Applied Engineering Research, 11(2), 1058-1061.
Kurniawan, I. A., Mugiono, M., & Wijayanti, R. (2022). The effect of Perceived Usefulness, Perceived Ease of Use, and social influence toward intention to use mediated by Trust. Jurnal Aplikasi Manajemen, 20(1), 117-127.
Lai, K. P. (2020). FinTech: The dis/re-intermediation of finance? In The Routledge handbook of financial geography (pp. 440-457): Routledge.
Le, M. T. (2021). Examining factors that boost intention and loyalty to use Fintech post-COVID-19 lockdown as a new normal behavior. Heliyon, 7(8), e07821.
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.
Leng, S. Y., Talib, A., & Gunardi, A. (2018). Financial technologies: A note on mobile payment. Jurnal Keuangan Dan Perbankan, 22(1), 51-62.
Lockett, A., & Littler, D. (1997). The adoption of direct banking services. Journal of marketing management, 13(8), 791-811.
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.
Meyliana, M., & Fernando, E. (2019). The influence of perceived risk and trust in adoption of FinTech services in Indonesia. Communication and Information Technology Journal, 13(1), 31-37.
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.
Patil, R., & Bharathi, S. V. (2022). A Study on the Business Transformation, Security issues and Investors Trust in Fintech Innovation. Cardiometry(24), 918-932.
Rabaa’i, A. A. (2021). An Investigation into the acceptance of mobile wallets in the FinTech era: an empirical study from Kuwait. International Journal of Business Information Systems, 1(1), 1.
Ryu, H.-S., & Ko, K. S. (2020). Sustainable development of Fintech: Focused on uncertainty and perceived quality issues. Sustainability, 12(18), 7669.
Salimon, M. G., Mokthar, S., Yusoff, R. Z., Adeleke, A., Morakiny, S., & Mushi, H. (2017). Facilitating conditions and perceived security as antecedents of trust among E-Banking customers in Nigeria. International Journal of Economic Research, 14(19), 265-276.
Setiawan, K., & Maulisa, N. (2020). The Evolution of Fintech: A Regulatory Approach Perspective. Paper presented at the 3rd International Conference on Law and Governance (ICLAVE 2019).
Singh, S., Sahni, M. M., & Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675-1697.
Singh, S., Sahni, M. M., & Kovid, R. K. (2021). Exploring Antecendents of FinTech Adoption Using Adapted Technology Acceptance Model. Paper presented at the Advances in Systems Engineering: Select Proceedings of NSC 2019.
Stewart, H., & Jürjens, J. (2018). Data security and consumer trust in FinTech innovation in Germany. Information & Computer Security, 26(1), 109-128.
Susilo, A. Z., Prabowo, M. I., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). A comparative study of factors affecting user acceptance of go-pay and OVo as a feature of Fintech application. Procedia Computer Science, 161, 876-884.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). An adoption of fintech service in Malaysia. South East Asia Journal of Contemporary Business, 18(5), 134-147.
Urumsah, D., Ispridevi, R. F., Nurherwening, A., & Hardinto, W. (2022). Fintech adoption: Its determinants and organizational benefits in Indonesia. Jurnal Akuntansi dan Auditing Indonesia, 26(1), 88-101.
Venkatesh, V., & Davis, F. D. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision sciences, 27(3), 451-481.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management science, 46(2), 186-204.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 36(1), 157-178.
Wang, Y. S., Wang, Y. M., Lin, H. H., & Tang, T. I. (2003). Determinants of user acceptance of Internet banking: an empirical study. International journal of service industry management, 14(5), 501-519.
Won-jun, L. (2018). Understanding counsumer acceptance of Fintech Service: An extension of the TAM Model to understand Bitcoin. IOSR journal of business and management, 20(7), 34-37.
Yohanes, K., Junius, K., Saputra, Y., Sari, R., Lisanti, Y., & Luhukay, D. (2020a). Unified Theory of Acceptance and Use of Technology (UTAUT) model perspective to enhance user acceptance of fintech application. Paper presented at the 2020 International Conference on Information Management and Technology (ICIMTech).
Yohanes, K., Junius, K., Saputra, Y., Sari, R., Lisanti, Y., & Luhukay, D. (2020b). Unified Theory of Acceptance and Use of Technology (UTAUT) model perspective to enhance user acceptance of fintech application. Paper presented at the International Conference on Information Management and Technology (ICIMTech).
Zalan, T., & Toufaily, E. (2017). The promise of fintech in emerging markets: Not as disruptive. Contemporary Economics, 11(4), 415-431.
Zhou, X., & Chen, S. (2021). FinTech innovation regulation based on reputation theory with the participation of new media. Pacific-Basin Finance Journal, 67, 101565.