How to cite this paper
Yuniarta, G & Purnamawati, I. (2021). Psychological dimensions and practical strategies: MSME and mobile payment adoption.Management Science Letters , 11(2), 577-586.
Refrences
Agrebi, S., & Jallais, J. (2015). Explain the intention to use smartphones for mobile shopping. Journal of Retailing and Consumer Services, 22(C), 16–23.
Aji, H. M., Berakon, I., Husin, M. M., & Tan, A. W. K. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Journal Cogent Business & Management, 7(1), 1–16.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with Trust. International Journal of Information Management, 37, 99–110.
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Algharabat, R. (2018). Examining factors influencing Jordanian customers’ intentions and adoption of Internet banking: Extending UTAUT2 with risk. Journal of Retailing and Consumer Services, 40, 125–138.
Ali, H., Narulita, E., & Nurmahdi, A. (2018). The influence of service quality, brand image and promotion on purchase decision at MCU Eka Hospital. Saudi Journal of Business and Management Studies, 3(1), 88–97.
Andre, G. V., Baptista, P. T., & Setiowati, R. (2019). The determinants factors of Mobile payment adoption in DKI Jakarta. Journal of Research in Marketing, 10(3), 823–831.
Antwi, S. K., Hamza, K., & Bavoh, S. W. (2015). Examining the effectiveness of electronic payment system in Ghana: The case of e-ZWICH in the tamale metropolis. Research Journal of Finance and Accounting, 6(2), 2222–2847.
Ardiansah, M. N., Chariri, A., Rahardja, S., & Udin. (2020). The effect of electronic payments security on e-commerce consumer perception : An extended model of technology acceptance. Management Science Letters, 10(7), 1473–1480.
Arenas-Gaitán, J., Peral-Peral, B., & Ramón-Jerónimo, M. Á. (2015). Elderly and Internet banking: An application of UTAUT2. The Journal of Internet Banking and Commerce, 20(1), 1–20.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizginc, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52.
Barkhordari, M. (2017). Factors influencing adoption of e-payment systems: An empirical study on Iranian customers. Information Systems and E-Business Management, 15(1), 86–116.
Boksberger, P. E., & Melsen, L. (2011). Perceived value: A critical examination of definitions, concepts and measures for the service industry. Journal of Services Marketing, 25(3), 229–240.
Chahal, H., & Kumari, N. (2012). Consumer perceived value: The development of a multiple item scale in hospitals in the Indian context. International Journal of Pharmaceutical and Healthcare Marketing, 6(2), 167–190.
Chang, C.-T., Hajiyev, J., & Su, C.-R. (2017). Examining the students behavioral intention to use e-learning in Azerbaijan? The general extended technology acceptance model for e-learning approach. Computers & Education, 111, 128–143.
Chopdar, P. K., Korfiatis, N., Sivakumar, V., & Lytras, M. D. (2018). Mobile shopping apps adoption and perceived risks: A Cross-country perspective utilizing the unified theory of acceptance and use of technology. Computers in Human Behavior, 86(9), 109–128.
de Kerviler, G., Demoulin, N. T. ., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31(C), 334–344.
Erdogmuş, I. E., & Cicek, M. (2012). The impact of social media marketing on brand loyalty. Procedia-Social and Behavioral Sciences, 58, 1353–1360.
Fan, J., Shao, M., Li, Y., & Xuemei, H. (2017). Understanding users’ attitude toward mobile payment use: A comparative study. Industrial Management & Data Systems, 118(3), 524–540.
Gharaibeh, M. K., Arshad, M. R., & Gharaibeh, 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.
Hamari, J., & Koivisto, J. (2015). Why do people use gamification services? International Journal of Information Management, 35(4), 419–431.
Helliwell, J. F., Huang, H., & Wang, S. (2014). Social capital and well-being in times of crisis. Journal of Happiness Studies, 15(1), 145–162.
Hew, J.-J., Lee, V.-H., Ooi, K.-B., & Wei, J. (2015). What catalyses mobile apps usage intention: An empirical analysis. Industrial Management & Data Systems, 115(7), 1269–1291.
Huang, C. Y., & Kao, Y. S. (2015). UTAUT2 based predictions of factors influencing the technology acceptance of phablets by DNP. Mathematical Problems in Engineering, 25, 1–24.
Iskandar, D. (2019). The use of the financial technology (Fintech) system is reviewed from society perception: Attitude, interest, motivation, experience & hope. International Journal of Multidisciplinary Research, 5(6), 138–148.
Ismail, A. R. (2017). The influence of perceived social media marketing activities on brand loyalty: The mediation effect of brand and value consciousness. Asia Pacific Journal of Marketing and Logistics, 29(1), 129–144.
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., Tao, W., Shin, N., & Kim, K. (2010). An empirical study of customers’ perceptions of security and trust in E-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95.
Kim, H., & Hong, H. (2011). Fashion leadership and hedonic shopping motivations of female consumers. Clothing and Textiles Research Journal, 29(4), 314–330.
Kotler, P., & Amstrong, G. (2018). Principles of Marketing (15th ed.). England: Pearson Prentice Hall.
Kristiani, P., & Dharmayanti, D. (2017). Pengaruh social media marketing terhadap repeat purchase dengan Variabel Intervening Perceived Service Quality dan Brand Image pada Industri Fast-Food Restaurant di Surabaya. Petra Business and Management Review, 3(1), 67–84.
Kumaga, D. (2011). The Challenges of Implementing Electronic Payment Systems – The Case of Ghana’s E-zwich Payment System. Blekinge Institute of Technology.
Lagrosen, S. O., & Grunden, K. (2014). Social media marketing in the wellness industry. The TQM Journal, 26(3), 253–260.
Lail, F. (2019). The analysis of individual’s behavioral intention and use behavior in using Ovo Based On UTAUT 2. Jurnal Ilmiah Mahasiswa FEB, 7(2), 1–14.
Legowo, K. F. (2019). The influence of the unified theory of acceptance and use of technology 2, perceived technology security, and personal innovativeness toward the continuance intention of using OVO. IBuss Management, 7(2).
Magni, M., Taylor, M. S., & Venkatesh, V. (2010). To play or not to play: A cross-temporal investigation using hedonic and instrumental perspectives to explain user intentions to explore a technology. International Journal of Human-Computer Studies, 68(9), 572–588.
Malonda, R. C., Tulung, J. E., & Arie, F. F. (2020). The effect of technology acceptance model, perceived trust, security, and attitude toward Ovo usage. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1), 401–410.
Megadewandanu, S. (2016). Exploring mobile wallet adoption in Indonesia using UTAUT2: An approach from consumer perspective. In 2nd International Conference on Science and Technology-Computer (pp. 11–16). Atlantis Press.
Novianto, N., Rachbini, D. J., & Rekarti, E. (2020). OVO product users’ sustainable desire as an challenger on digital payment market (Case Study in West Jakarta). International Journal of Innovative Science and Research Technology, 5(7), 2456–2165.
Oechslein, O., Fleischmann, M., & Hess, T. (2014). An application of UTAUT2 on social recommender systems: Incorporating social information for performance expectancy. In 2014 47th Hawaii International Conference on System Sciences. Waikoloa, HI, USA: IEEE.
Palau-Saumell, R., Forgas-Coll, S., Sánchez-García, J., & Robres, E. (2019). User acceptance of mobile apps for restaurants: An expanded and extended UTAUT-2. Sustainability, 11(4), 1–24.
Pan, J., Vorvoreanu, M., & Zhou, Z. (2014). Social media adoption in disaster restoration industry. Construction Innovation, 14(3), 346–369.
Pesik, T., Worang, F. G., & Arie, F. V. (2020). Analysis the adoption of Ovo as Smartphone Payment (Case Study: Students And Workers In Manado). Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1), 2198–2207.
Putra, Y. F. (2020). Analysis of factors influencing user intention in using Ovo application. Jurnal Ilmiah Mahasiswa FEB, 8(1), 1–11.
Rahardjo, B., Akbar, B. M. B., & Novitaningtyas, I. (2020). The analysis of intention and use of Financial Technology. Journal of Accounting and Strategic Finance, 3(1), 88–102.
Riantama, I. G. E., Suardhika, N., & Yuesti, A. (2020). Financial technology application success in the 4.0 Era. International Journal of Psychosocial Rehabilitation, 24(9), 2948–2962.
Ryan, R. M., & Deci, E. L. (2000a). Self-determination theory and the facilitation of intrinsic motivation, social development, and well-being. American Psychologist, 55(1), 68–78.
Ryan, R. M., & Deci, E. L. (2000b). When Rewards Compete With Nature: The Undermining Of Intrinsic Motivation and Self-Regulation (Intrinsic). Academic Press.
Samosir, C. B. H., & Prayoga, A. B. K. (2015). Pengaruh Persepsi Harga dan Promos Terhadap Keputusan Pembelian Konsumen Produk Enervon-C. Jurnal Ilmiah Manajemen Dan Bisnis, 1(3), 1–13.
Sartika, D. (2017). Analisis Faktopr-faktor yang Mempengaruhi Minat Beli Ulang produk You C 1000 Serta Dampaknya Terhadap Loyalitas Konsumen. Jurnal Penelitian Ekonomi Dan Bisnis, 2(1), 10–21.
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding Consumer Acceptance Of Mobile Payment Services: An Empirical Analysis. Electron Commerce Resource Application, 9(3), 209–216.
Shah, M. H., Peikari, H. R., & Yasin, N. M. (2014). The determinants of individuals’ perceived e-security: Evidence from Malaysia. International Journal of Information Management, 34(1), 48–57.
Shareef, M. A., Dwivedi, Y. K., Kumar, V., & Kumar, U. (2017). Content design of advertisement for consumer exposure: Mobile marketing through short messaging service. International Journal of Information Management, 37(4), 257–268.
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: Extending UTAUT with innovativeness, risk, and trust. Psychology and Marketing, 32(8), 860–873.
Subawa, N. S., Widhiasthini, N. W., & Suastika, N. P. M. W. S. (2020). The effect of experiential marketing, social media marketing, and brand trust on repurchase intention in Ovo applications. International Research Journal Of Management, IT And Social Sciences, 7(3), 11–21.
Tamilmani, K., Rana, N., Dwivedi, Y. K., & Prakasam, N. (2019). The battle of brain vs. heart: A literature review and meta-analysis Of “Hedonic Motivation” Use In UTAUT2. International Journal of Information Management, 46, 222–235.
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), 175–178.
Wang, G., Putri, N. M., & Christianto, A. (2019). An empirical examination of characteristics of mobile payment users in Indonesia. Journal of Theoretical and Applied Information Technology, 96(1), 169–182.
Widyastuti, K., Handayani, P. W., Pinem, A. A., & Wilarso, I. (2017). e-money implementation barriers and challenges: A case of Indonesian interbank network company. Journal of Engineering and Applied Sciences, 12(12), 3281–3285.
Yu, C.-S. (2012). Factors affecting individuals to adopt mobile banking: Empirical evidence from The UTAUT model. Journal Of Electronic Commerce Research, 13(2), 104.
Zhou, Z., Jin, X.-L., Vogel, D. R., Fang, Y., & Chen, X. (2011). Individual motivations and demographic differences in social virtual world uses: An exploratory investigation in second life. International Journal of Information Management, 31(3), 261–271.
Aji, H. M., Berakon, I., Husin, M. M., & Tan, A. W. K. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Journal Cogent Business & Management, 7(1), 1–16.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with Trust. International Journal of Information Management, 37, 99–110.
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Algharabat, R. (2018). Examining factors influencing Jordanian customers’ intentions and adoption of Internet banking: Extending UTAUT2 with risk. Journal of Retailing and Consumer Services, 40, 125–138.
Ali, H., Narulita, E., & Nurmahdi, A. (2018). The influence of service quality, brand image and promotion on purchase decision at MCU Eka Hospital. Saudi Journal of Business and Management Studies, 3(1), 88–97.
Andre, G. V., Baptista, P. T., & Setiowati, R. (2019). The determinants factors of Mobile payment adoption in DKI Jakarta. Journal of Research in Marketing, 10(3), 823–831.
Antwi, S. K., Hamza, K., & Bavoh, S. W. (2015). Examining the effectiveness of electronic payment system in Ghana: The case of e-ZWICH in the tamale metropolis. Research Journal of Finance and Accounting, 6(2), 2222–2847.
Ardiansah, M. N., Chariri, A., Rahardja, S., & Udin. (2020). The effect of electronic payments security on e-commerce consumer perception : An extended model of technology acceptance. Management Science Letters, 10(7), 1473–1480.
Arenas-Gaitán, J., Peral-Peral, B., & Ramón-Jerónimo, M. Á. (2015). Elderly and Internet banking: An application of UTAUT2. The Journal of Internet Banking and Commerce, 20(1), 1–20.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizginc, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52.
Barkhordari, M. (2017). Factors influencing adoption of e-payment systems: An empirical study on Iranian customers. Information Systems and E-Business Management, 15(1), 86–116.
Boksberger, P. E., & Melsen, L. (2011). Perceived value: A critical examination of definitions, concepts and measures for the service industry. Journal of Services Marketing, 25(3), 229–240.
Chahal, H., & Kumari, N. (2012). Consumer perceived value: The development of a multiple item scale in hospitals in the Indian context. International Journal of Pharmaceutical and Healthcare Marketing, 6(2), 167–190.
Chang, C.-T., Hajiyev, J., & Su, C.-R. (2017). Examining the students behavioral intention to use e-learning in Azerbaijan? The general extended technology acceptance model for e-learning approach. Computers & Education, 111, 128–143.
Chopdar, P. K., Korfiatis, N., Sivakumar, V., & Lytras, M. D. (2018). Mobile shopping apps adoption and perceived risks: A Cross-country perspective utilizing the unified theory of acceptance and use of technology. Computers in Human Behavior, 86(9), 109–128.
de Kerviler, G., Demoulin, N. T. ., & Zidda, P. (2016). Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers? Journal of Retailing and Consumer Services, 31(C), 334–344.
Erdogmuş, I. E., & Cicek, M. (2012). The impact of social media marketing on brand loyalty. Procedia-Social and Behavioral Sciences, 58, 1353–1360.
Fan, J., Shao, M., Li, Y., & Xuemei, H. (2017). Understanding users’ attitude toward mobile payment use: A comparative study. Industrial Management & Data Systems, 118(3), 524–540.
Gharaibeh, M. K., Arshad, M. R., & Gharaibeh, 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.
Hamari, J., & Koivisto, J. (2015). Why do people use gamification services? International Journal of Information Management, 35(4), 419–431.
Helliwell, J. F., Huang, H., & Wang, S. (2014). Social capital and well-being in times of crisis. Journal of Happiness Studies, 15(1), 145–162.
Hew, J.-J., Lee, V.-H., Ooi, K.-B., & Wei, J. (2015). What catalyses mobile apps usage intention: An empirical analysis. Industrial Management & Data Systems, 115(7), 1269–1291.
Huang, C. Y., & Kao, Y. S. (2015). UTAUT2 based predictions of factors influencing the technology acceptance of phablets by DNP. Mathematical Problems in Engineering, 25, 1–24.
Iskandar, D. (2019). The use of the financial technology (Fintech) system is reviewed from society perception: Attitude, interest, motivation, experience & hope. International Journal of Multidisciplinary Research, 5(6), 138–148.
Ismail, A. R. (2017). The influence of perceived social media marketing activities on brand loyalty: The mediation effect of brand and value consciousness. Asia Pacific Journal of Marketing and Logistics, 29(1), 129–144.
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., Tao, W., Shin, N., & Kim, K. (2010). An empirical study of customers’ perceptions of security and trust in E-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95.
Kim, H., & Hong, H. (2011). Fashion leadership and hedonic shopping motivations of female consumers. Clothing and Textiles Research Journal, 29(4), 314–330.
Kotler, P., & Amstrong, G. (2018). Principles of Marketing (15th ed.). England: Pearson Prentice Hall.
Kristiani, P., & Dharmayanti, D. (2017). Pengaruh social media marketing terhadap repeat purchase dengan Variabel Intervening Perceived Service Quality dan Brand Image pada Industri Fast-Food Restaurant di Surabaya. Petra Business and Management Review, 3(1), 67–84.
Kumaga, D. (2011). The Challenges of Implementing Electronic Payment Systems – The Case of Ghana’s E-zwich Payment System. Blekinge Institute of Technology.
Lagrosen, S. O., & Grunden, K. (2014). Social media marketing in the wellness industry. The TQM Journal, 26(3), 253–260.
Lail, F. (2019). The analysis of individual’s behavioral intention and use behavior in using Ovo Based On UTAUT 2. Jurnal Ilmiah Mahasiswa FEB, 7(2), 1–14.
Legowo, K. F. (2019). The influence of the unified theory of acceptance and use of technology 2, perceived technology security, and personal innovativeness toward the continuance intention of using OVO. IBuss Management, 7(2).
Magni, M., Taylor, M. S., & Venkatesh, V. (2010). To play or not to play: A cross-temporal investigation using hedonic and instrumental perspectives to explain user intentions to explore a technology. International Journal of Human-Computer Studies, 68(9), 572–588.
Malonda, R. C., Tulung, J. E., & Arie, F. F. (2020). The effect of technology acceptance model, perceived trust, security, and attitude toward Ovo usage. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1), 401–410.
Megadewandanu, S. (2016). Exploring mobile wallet adoption in Indonesia using UTAUT2: An approach from consumer perspective. In 2nd International Conference on Science and Technology-Computer (pp. 11–16). Atlantis Press.
Novianto, N., Rachbini, D. J., & Rekarti, E. (2020). OVO product users’ sustainable desire as an challenger on digital payment market (Case Study in West Jakarta). International Journal of Innovative Science and Research Technology, 5(7), 2456–2165.
Oechslein, O., Fleischmann, M., & Hess, T. (2014). An application of UTAUT2 on social recommender systems: Incorporating social information for performance expectancy. In 2014 47th Hawaii International Conference on System Sciences. Waikoloa, HI, USA: IEEE.
Palau-Saumell, R., Forgas-Coll, S., Sánchez-García, J., & Robres, E. (2019). User acceptance of mobile apps for restaurants: An expanded and extended UTAUT-2. Sustainability, 11(4), 1–24.
Pan, J., Vorvoreanu, M., & Zhou, Z. (2014). Social media adoption in disaster restoration industry. Construction Innovation, 14(3), 346–369.
Pesik, T., Worang, F. G., & Arie, F. V. (2020). Analysis the adoption of Ovo as Smartphone Payment (Case Study: Students And Workers In Manado). Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1), 2198–2207.
Putra, Y. F. (2020). Analysis of factors influencing user intention in using Ovo application. Jurnal Ilmiah Mahasiswa FEB, 8(1), 1–11.
Rahardjo, B., Akbar, B. M. B., & Novitaningtyas, I. (2020). The analysis of intention and use of Financial Technology. Journal of Accounting and Strategic Finance, 3(1), 88–102.
Riantama, I. G. E., Suardhika, N., & Yuesti, A. (2020). Financial technology application success in the 4.0 Era. International Journal of Psychosocial Rehabilitation, 24(9), 2948–2962.
Ryan, R. M., & Deci, E. L. (2000a). Self-determination theory and the facilitation of intrinsic motivation, social development, and well-being. American Psychologist, 55(1), 68–78.
Ryan, R. M., & Deci, E. L. (2000b). When Rewards Compete With Nature: The Undermining Of Intrinsic Motivation and Self-Regulation (Intrinsic). Academic Press.
Samosir, C. B. H., & Prayoga, A. B. K. (2015). Pengaruh Persepsi Harga dan Promos Terhadap Keputusan Pembelian Konsumen Produk Enervon-C. Jurnal Ilmiah Manajemen Dan Bisnis, 1(3), 1–13.
Sartika, D. (2017). Analisis Faktopr-faktor yang Mempengaruhi Minat Beli Ulang produk You C 1000 Serta Dampaknya Terhadap Loyalitas Konsumen. Jurnal Penelitian Ekonomi Dan Bisnis, 2(1), 10–21.
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding Consumer Acceptance Of Mobile Payment Services: An Empirical Analysis. Electron Commerce Resource Application, 9(3), 209–216.
Shah, M. H., Peikari, H. R., & Yasin, N. M. (2014). The determinants of individuals’ perceived e-security: Evidence from Malaysia. International Journal of Information Management, 34(1), 48–57.
Shareef, M. A., Dwivedi, Y. K., Kumar, V., & Kumar, U. (2017). Content design of advertisement for consumer exposure: Mobile marketing through short messaging service. International Journal of Information Management, 37(4), 257–268.
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: Extending UTAUT with innovativeness, risk, and trust. Psychology and Marketing, 32(8), 860–873.
Subawa, N. S., Widhiasthini, N. W., & Suastika, N. P. M. W. S. (2020). The effect of experiential marketing, social media marketing, and brand trust on repurchase intention in Ovo applications. International Research Journal Of Management, IT And Social Sciences, 7(3), 11–21.
Tamilmani, K., Rana, N., Dwivedi, Y. K., & Prakasam, N. (2019). The battle of brain vs. heart: A literature review and meta-analysis Of “Hedonic Motivation” Use In UTAUT2. International Journal of Information Management, 46, 222–235.
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), 175–178.
Wang, G., Putri, N. M., & Christianto, A. (2019). An empirical examination of characteristics of mobile payment users in Indonesia. Journal of Theoretical and Applied Information Technology, 96(1), 169–182.
Widyastuti, K., Handayani, P. W., Pinem, A. A., & Wilarso, I. (2017). e-money implementation barriers and challenges: A case of Indonesian interbank network company. Journal of Engineering and Applied Sciences, 12(12), 3281–3285.
Yu, C.-S. (2012). Factors affecting individuals to adopt mobile banking: Empirical evidence from The UTAUT model. Journal Of Electronic Commerce Research, 13(2), 104.
Zhou, Z., Jin, X.-L., Vogel, D. R., Fang, Y., & Chen, X. (2011). Individual motivations and demographic differences in social virtual world uses: An exploratory investigation in second life. International Journal of Information Management, 31(3), 261–271.