{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,24]],"date-time":"2026-04-24T12:07:52Z","timestamp":1777032472426,"version":"3.51.4"},"reference-count":71,"publisher":"Springer Science and Business Media LLC","issue":"1","license":[{"start":{"date-parts":[[2022,6,27]],"date-time":"2022-06-27T00:00:00Z","timestamp":1656288000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"},{"start":{"date-parts":[[2022,6,27]],"date-time":"2022-06-27T00:00:00Z","timestamp":1656288000000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Electron Commer Res"],"published-print":{"date-parts":[[2024,3]]},"DOI":"10.1007\/s10660-022-09577-1","type":"journal-article","created":{"date-parts":[[2022,6,27]],"date-time":"2022-06-27T15:02:43Z","timestamp":1656342163000},"page":"427-451","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":131,"title":["Mobile payment adoption in the time of the COVID-19 pandemic"],"prefix":"10.1007","volume":"24","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-3609-1541","authenticated-orcid":false,"given":"Anas Ali","family":"Al-Qudah","sequence":"first","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-1610-7385","authenticated-orcid":false,"given":"Manaf","family":"Al-Okaily","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0001-8155-2613","authenticated-orcid":false,"given":"Gssan","family":"Alqudah","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-0718-1903","authenticated-orcid":false,"given":"Anas","family":"Ghazlat","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2022,6,27]]},"reference":[{"key":"9577_CR1","doi-asserted-by":"publisher","DOI":"10.1108\/EMJB-01-2022-0011","author":"A Al-Okaily","year":"2022","unstructured":"Al-Okaily, A., Al-Okaily, M., Teoh, A. P., & Al-Debei, M. (2022). An empirical study on data warehouse systems effectiveness: The case of Jordanian banks in the business intelligence era. EuroMed Journal of Business. https:\/\/doi.org\/10.1108\/EMJB-01-2022-0011","journal-title":"EuroMed Journal of Business"},{"key":"9577_CR2","doi-asserted-by":"publisher","DOI":"10.1108\/GKMC-01-2022-0015","author":"M Al-Okaily","year":"2022","unstructured":"Al-Okaily, M., Alghazzawi, R., Alkhwaldi, A. F., & Al-Okaily, A. (2022). The effect of digital accounting systems on the decision-making quality in the banking industry sector: A mediated-moderated model. Global Knowledge, Memory and Communication. https:\/\/doi.org\/10.1108\/GKMC-01-2022-0015","journal-title":"Global Knowledge, Memory and Communication."},{"key":"9577_CR3","doi-asserted-by":"crossref","unstructured":"Al-Okaily, M., & Al-Okaily, A. (2022). An empirical assessment of enterprise information systems success in a developing country: The Jordanian experience. The TQM Journal. https:\/\/lnkd.in\/gVYWFSqQ","DOI":"10.1108\/TQM-09-2021-0267"},{"issue":"1","key":"9577_CR4","doi-asserted-by":"publisher","first-page":"44","DOI":"10.1080\/20430795.2021.1880219","volume":"12","author":"AA Al-Qudah","year":"2022","unstructured":"Al-Qudah, A. A., Al-Okaily, M., & Alqudah, H. (2022). The relationship between social entrepreneurship and sustainable development from economic growth perspective: 15 \u2018RCEP\u2019 countries. Journal of Sustainable Finance and Investment, 12(1), 44\u201361. https:\/\/doi.org\/10.1080\/20430795.2021.1880219","journal-title":"Journal of Sustainable Finance and Investment"},{"issue":"5","key":"9577_CR5","first-page":"423","volume":"2","author":"A Al-Qudah","year":"2013","unstructured":"Al-Qudah, A., Baniahmad, A., & Al-Fawaerah, N. (2013). The impact of information technology on the auditing profession. Management and Administrative Sciences Review, 2(5), 423\u2013430.","journal-title":"Management and Administrative Sciences Review"},{"key":"9577_CR6","doi-asserted-by":"publisher","DOI":"10.1007\/s11356-021-18224-5","author":"AA Al-Qudah","year":"2022","unstructured":"Al-Qudah, A. A., Hamdan, A., Al-Okaily, M., & Alhaddad, L. (2022). The impact of green lending on credit risk: Evidence from UAE\u2019s banks. Environmental Science and Pollution Research. https:\/\/doi.org\/10.1007\/s11356-021-18224-5","journal-title":"Environmental Science and Pollution Research"},{"issue":"2","key":"9577_CR7","doi-asserted-by":"publisher","first-page":"274","DOI":"10.1108\/JES-09-2020-0477","volume":"49","author":"AA Al-Qudah","year":"2022","unstructured":"Al-Qudah, A. A., & Houcine, A. (2022). Stock markets\u2019 reaction to COVID-19: Evidence from the six WHO regions. Journal of Economic Studies, 49(2), 274\u2013289. https:\/\/doi.org\/10.1108\/JES-09-2020-0477","journal-title":"Journal of Economic Studies"},{"key":"9577_CR8","doi-asserted-by":"publisher","unstructured":"Al-Qudah, A. A. (2022). Artificial intelligence in practice: Implications for information systems research, case study UAE companies. In A. M. A. Musleh Al-Sartawi (Ed.), Artificial intelligence for sustainable finance and sustainable technology. ICGER 2021. Lecture notes in networks and systems (Vol. 423). Springer. https:\/\/doi.org\/10.1007\/978-3-030-93464-4_23","DOI":"10.1007\/978-3-030-93464-4_23"},{"issue":"3","key":"9577_CR9","doi-asserted-by":"publisher","first-page":"231","DOI":"10.1002\/jsc.2197","volume":"27","author":"A Alghamdi","year":"2018","unstructured":"Alghamdi, A., Elbeltagi, I., Elsetouhi, A., & Yacine Haddoud, M. (2018). Antecedents of continuance intention of using Internet banking in Saudi Arabia: A new integrated model. Strategic Change, 27(3), 231\u2013243. https:\/\/doi.org\/10.1002\/jsc.2197","journal-title":"Strategic Change"},{"key":"9577_CR10","unstructured":"Alicia Buller. (2020). COVID-19 sparks boom in Middle East digital payments sector. Retrieved February 15, 2021, from https:\/\/www.computerweekly.com\/news\/252493293\/Covid-19-sparks-boom-in-Middle-East-digital-payments-sector"},{"issue":"3","key":"9577_CR11","doi-asserted-by":"publisher","first-page":"1116","DOI":"10.1108\/ITP-10-2020-0719","volume":"35","author":"A Alsaad","year":"2022","unstructured":"Alsaad, A., & Al-Okaily, M. (2022). Acceptance of protection technology in a time of fear: The case of COVID-19 exposure detection apps. Information, Technology and People, 35(3), 1116\u20131135. https:\/\/doi.org\/10.1108\/ITP-10-2020-0719","journal-title":"Information, Technology and People"},{"key":"9577_CR12","unstructured":"Bauer, R. A. (1960). Consumer behavior as risk taking. In R. S. Hancock (Ed.), Dynamic marketing for a changing world, proceedings of the 43rd conference of the American Marketing Association (pp. 389\u2013398)."},{"issue":"2","key":"9577_CR13","doi-asserted-by":"publisher","first-page":"141","DOI":"10.1177\/004912418101000205","volume":"10","author":"P Biernacki","year":"1981","unstructured":"Biernacki, P., & Waldorf, D. (1981). Snowball sampling: Problems and techniques of chain referral sampling. Sociological Methods and Research, 10(2), 141\u2013163. https:\/\/doi.org\/10.1177\/004912418101000205","journal-title":"Sociological Methods and Research"},{"key":"9577_CR14","unstructured":"Bogdan-Martin, D. (2020). Measuring digital development facts and figures. ITU Telecommunication Development Bureau. Retrieved February 10, 2021, from https:\/\/www.itu.int\/en\/ITU-D\/Statistics\/Documents\/facts\/FactsFigures2020.pdf"},{"key":"9577_CR15","doi-asserted-by":"publisher","DOI":"10.17705\/1cais.02729","author":"S Chandra","year":"2010","unstructured":"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 of Information Systems. https:\/\/doi.org\/10.17705\/1cais.02729","journal-title":"Communications of the Association of Information Systems"},{"key":"9577_CR16","doi-asserted-by":"publisher","first-page":"50","DOI":"10.1016\/j.elerap.2017.06.002","volume":"24","author":"H Chang","year":"2017","unstructured":"Chang, H., Wong, K., & Li, S. (2017). Applying push\u2013pull-mooring to investigate channel switching behaviors. Electronic Commerce Research and Applications, 24, 50\u201367. https:\/\/doi.org\/10.1016\/j.elerap.2017.06.002","journal-title":"Electronic Commerce Research and Applications"},{"key":"9577_CR17","doi-asserted-by":"publisher","first-page":"189","DOI":"10.2307\/249688","volume":"19","author":"DR Compeau","year":"1995","unstructured":"Compeau, D. R., & Higgins, C. A. (1995). Computer self-efficacy: Development of a measure and initial test. MIS Quarterly, 19, 189\u2013211.","journal-title":"MIS Quarterly"},{"key":"9577_CR18","doi-asserted-by":"publisher","first-page":"265","DOI":"10.1016\/j.elerap.2015.07.006","volume":"14","author":"T Dahlberg","year":"2015","unstructured":"Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electronic Commerce Research and Applications, 14, 265\u2013284.","journal-title":"Electronic Commerce Research and Applications"},{"issue":"3","key":"9577_CR19","doi-asserted-by":"publisher","first-page":"319","DOI":"10.2307\/249008","volume":"13","author":"F Davis","year":"1989","unstructured":"Davis, F. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319\u2013340. https:\/\/doi.org\/10.2307\/249008","journal-title":"MIS Quarterly"},{"key":"9577_CR20","doi-asserted-by":"publisher","first-page":"1203","DOI":"10.1016\/j.jbusres.2008.01.009","volume":"61","author":"A Diamantopoulos","year":"2008","unstructured":"Diamantopoulos, A., Riefler, P., & Roth, K. P. (2008). Advancing formative measurement models. Journal of Business Research, 61, 1203\u20131218. https:\/\/doi.org\/10.1016\/j.jbusres.2008.01.009","journal-title":"Journal of Business Research"},{"key":"9577_CR21","unstructured":"Dublin. (2020, November 20). GLOBE NEWSWIRE\u2014Research and markets. The \u201cMiddle East & North Africa Digital Payments Market\u2014Growth, Trends, and Forecasts (2020\u20132025)\u201d. Retrieved February 13, 2021, from https:\/\/www.globenewswire.com\/news-release\/2020\/"},{"key":"9577_CR22","unstructured":"Elwell, C. K. (2011). Specialist in macroeconomic policy. In Brief history of the gold standard in the United States (p. 9). Congressional Research Service. Retrieved March 12, 2020, from https:\/\/fas.org\/sgp\/crs\/misc\/R41887"},{"issue":"4","key":"9577_CR23","doi-asserted-by":"publisher","first-page":"451","DOI":"10.1016\/S1071-5819(03)00111-3","volume":"59","author":"MS Feathermana","year":"2003","unstructured":"Feathermana, M. S., & Pavloub, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human Computer Studies, 59(4), 451\u2013474. https:\/\/doi.org\/10.1016\/S1071-5819(03)00111-3","journal-title":"International Journal of Human Computer Studies"},{"issue":"1","key":"9577_CR24","doi-asserted-by":"publisher","first-page":"16","DOI":"10.1108\/02652320310457776","volume":"21","author":"P Gerrard","year":"2003","unstructured":"Gerrard, P., & Barton Cunningham, J. (2003). The diffusion of Internet banking among Singapore consumers. International Journal of Bank Marketing, 21(1), 16\u201328. https:\/\/doi.org\/10.1108\/02652320310457776","journal-title":"International Journal of Bank Marketing"},{"key":"9577_CR25","doi-asserted-by":"publisher","first-page":"11605","DOI":"10.1016\/j.eswa.2009.03.024","volume":"36","author":"J-C Gu","year":"2009","unstructured":"Gu, J.-C., Lee, S.-C., & Suh, Y.-H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36, 11605\u201311616. https:\/\/doi.org\/10.1016\/j.eswa.2009.03.024","journal-title":"Expert Systems with Applications"},{"issue":"1","key":"9577_CR26","doi-asserted-by":"publisher","first-page":"2","DOI":"10.1108\/EBR-11-2018-0203","volume":"31","author":"JF Hair","year":"2019","unstructured":"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\u201324. https:\/\/doi.org\/10.1108\/EBR-11-2018-0203","journal-title":"European Business Review"},{"key":"9577_CR27","unstructured":"Hair, J. F., Black, W., Babin, B., Anderson, R., & Tatham, R. (2006). Multivariate data analysis with readings (6th ed.). Pearson Education."},{"key":"9577_CR28","doi-asserted-by":"publisher","first-page":"644","DOI":"10.1016\/S2212-5671(16)00079-4","volume":"35","author":"AA Hamida","year":"2016","unstructured":"Hamida, A. A., Razak, F. Z. A., Bakar, A. A., & Abdullah, W. S. W. (2016). The effects of perceived usefulness and perceived ease of use on continuance intention to use e-government. Procedia Economics and Finance, 35, 644\u2013649. https:\/\/doi.org\/10.1016\/S2212-5671(16)00079-4","journal-title":"Procedia Economics and Finance"},{"key":"9577_CR29","doi-asserted-by":"publisher","first-page":"285","DOI":"10.1108\/JEIM-06-2019-0179","volume":"33","author":"YD Handarkho","year":"2019","unstructured":"Handarkho, Y. D., & Harjoseputro, Y. (2019). Intention to adopt mobile payment in physical stores: Individual switching behavior perspective based on Push\u2013Pull-Mooring (PPM) theory. Journal of Enterprise Information Management, 33, 285\u2013308.","journal-title":"Journal of Enterprise Information Management"},{"issue":"12","key":"9577_CR30","doi-asserted-by":"publisher","first-page":"em1648","DOI":"10.29333\/ejmste\/99173","volume":"14","author":"R Hidayat","year":"2018","unstructured":"Hidayat, R., Zamri, S., & Zulnaidi, H. (2018). Exploratory and confirmatory factor analysis of achievement goals for Indonesian students in mathematics education programmes. Eurasia Journal of Mathematics, Science and Technology Education, 14(12), em1648. https:\/\/doi.org\/10.29333\/ejmste\/99173","journal-title":"Eurasia Journal of Mathematics, Science and Technology Education"},{"key":"9577_CR31","unstructured":"IMD World Competitiveness Center. (2020). Ranking 2020 Ch. de Bellerive. Retrieved February 13, 2021, from https:\/\/www.imd.org\/wcc\/world-competitiveness-center-rankings\/world-digital-competitiveness-rankings-2020\/"},{"key":"9577_CR32","unstructured":"International Telecommunication Union. (2020). Measuring digital development: Facts and figures. Retrieved February 10, 2021, from https:\/\/www.itu.int\/en\/ITU-D\/Statistics\/Pages\/facts\/default.aspx"},{"key":"9577_CR33","unstructured":"Jahangir, N., & Begum, N. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking. African Journal of Business Management, 2, 32\u201340. http:\/\/www.academicjournals.org\/AJBM"},{"key":"9577_CR34","doi-asserted-by":"publisher","first-page":"1039","DOI":"10.1007\/s10796-014-9484-7","volume":"17","author":"KK Kapoor","year":"2015","unstructured":"Kapoor, K. K., Dwivedi, Y. K., & Williams, M. D. (2015). Examining the role of three sets of innovation attributes for determining adoption of the interbank mobile payment service. Information Systems Frontiers, 17, 1039\u20131056.","journal-title":"Information Systems Frontiers"},{"issue":"1","key":"9577_CR35","doi-asserted-by":"publisher","first-page":"25","DOI":"10.3390\/info11010025","volume":"11","author":"S Kim","year":"2020","unstructured":"Kim, S., Choi, M. J., & Choi, J. S. (2020). Empirical study on the factors affecting individuals\u2019 switching intention to augmented\/virtual reality content services based on push\u2013pull-mooring theory. Information, 11(1), 25. https:\/\/doi.org\/10.3390\/info11010025","journal-title":"Information"},{"key":"9577_CR36","unstructured":"Leonard-Barton, D., & Kraus, W. A. (1985). Implementing new technology. Harvard Business Review. Retrieved February 10, 2021, from https:\/\/hbr.org\/1985\/11\/implementing-new-technology"},{"issue":"2","key":"9577_CR37","doi-asserted-by":"publisher","DOI":"10.1371\/journal.pone.0227852","volume":"15","author":"W-R Lin","year":"2020","unstructured":"Lin, W.-R., Wang, Y.-H., & Hung, Y.-M. (2020). Analyzing the factors influencing adoption intention of Internet banking: Applying DEMATEL-ANP-SEM approach. PLoS ONE, 15(2), e0227852. https:\/\/doi.org\/10.1371\/journal.pone.0227852","journal-title":"PLoS ONE"},{"issue":"3","key":"9577_CR38","doi-asserted-by":"publisher","first-page":"471","DOI":"10.1108\/IntR-02-2014-0053","volume":"25","author":"F Liu","year":"2015","unstructured":"Liu, F., Zhao, X., Chau, P. Y. K., & Tang, Q. (2015). Roles of perceived value and individual differences in the acceptance of mobile coupon applications. Internet Research, 25(3), 471\u2013495. https:\/\/doi.org\/10.1108\/IntR-02-2014-0053","journal-title":"Internet Research"},{"issue":"13","key":"9577_CR39","doi-asserted-by":"publisher","first-page":"1","DOI":"10.3390\/su12135443","volume":"12","author":"F Li\u00e9bana-Cabanillas","year":"2020","unstructured":"Li\u00e9bana-Cabanillas, F., Garc\u00eda-Maroto, I., Mu\u00f1oz-Leiva, F., & Ramos-de-Luna, I. (2020). Mobile payment adoption in the age of digital transformation: The case of Apple Pay. Sustainability, MDPI, Open Access Journal, 12(13), 1\u201315. https:\/\/doi.org\/10.3390\/su12135443","journal-title":"Sustainability, MDPI, Open Access Journal"},{"key":"9577_CR40","doi-asserted-by":"publisher","first-page":"151","DOI":"10.1016\/j.ijinfomgt.2013.12.006","volume":"34","author":"F Li\u00e9bana-Cabanillas","year":"2014","unstructured":"Li\u00e9bana-Cabanillas, F., S\u00e1nchez-Fern\u00e1ndez, J., & Mu\u00f1oz-Leiva, F. (2014). The moderating effect of experience in the adoption of mobile payment tools in Virtual Social Networks: The m-payment acceptance model in virtual social networks (MPAM-VSN). International Journal of Information Management, 34, 151\u2013166. https:\/\/doi.org\/10.1016\/j.ijinfomgt.2013.12.006","journal-title":"International Journal of Information Management"},{"key":"9577_CR41","doi-asserted-by":"publisher","first-page":"442","DOI":"10.1108\/10662240910981399","volume":"19","author":"H Lu","year":"2009","unstructured":"Lu, H., & Su, P. Y. (2009). Factors affecting purchase intention on mobile shopping web sites. Internet Research, 19, 442\u2013458. https:\/\/doi.org\/10.1108\/10662240910981399","journal-title":"Internet Research"},{"key":"9577_CR42","unstructured":"Lynn, P. (2008). Chapter 3: The problem of non-response. In E. de Leeuw, J. Hox & D. Dillman (Eds.), International handbook of survey methodology (pp. 35\u201355). Erlbaum. ISBN 0-8058-5753-2"},{"key":"9577_CR43","doi-asserted-by":"publisher","first-page":"454","DOI":"10.1080\/15378020.2016.1188646","volume":"19","author":"AM Makki","year":"2016","unstructured":"Makki, A. M., Ozturk, A. B., & Singh, D. (2016). Role of risk, self-efficacy, and innovativeness on behavioral intentions for mobile payment systems in the restaurant industry. Journal of Foodservice Business Research, 19, 454\u2013473.","journal-title":"Journal of Foodservice Business Research"},{"issue":"2","key":"9577_CR44","doi-asserted-by":"publisher","first-page":"211","DOI":"10.1111\/ijcs.12244","volume":"40","author":"M del Mar P\u00e0mies","year":"2015","unstructured":"del Mar P\u00e0mies, M., Ryan, G., & Valverde, M. (2015). What is going on when nothing is going on? Exploring the role of the consumer in shaping waiting situations. International Journal of Consumer Studies., 40(2), 211\u2013219. https:\/\/doi.org\/10.1111\/ijcs.12244","journal-title":"International Journal of Consumer Studies."},{"issue":"2","key":"9577_CR45","doi-asserted-by":"publisher","first-page":"277","DOI":"10.1108\/IJBM-11-2016-0166","volume":"36","author":"DL Marafon","year":"2018","unstructured":"Marafon, D. L., Basso, K., Espartel, L. B., de Barcellos, M. D., & Rech, E. (2018). Perceived risk and intention to use Internet banking: The effects of self-confidence and risk acceptance. International Journal of Bank Marketing, 36(2), 277\u2013289. https:\/\/doi.org\/10.1108\/IJBM-11-2016-0166","journal-title":"International Journal of Bank Marketing"},{"issue":"4","key":"9577_CR46","doi-asserted-by":"publisher","first-page":"327","DOI":"10.1080\/13645570701401305","volume":"11","author":"C Noy","year":"2008","unstructured":"Noy, C. (2008). Sampling knowledge: The hermeneutics of snowball sampling in qualitative research. International Journal of Social Research Methodology, 11(4), 327\u2013344. https:\/\/doi.org\/10.1080\/13645570701401305","journal-title":"International Journal of Social Research Methodology"},{"key":"9577_CR47","doi-asserted-by":"publisher","first-page":"347","DOI":"10.1007\/s10257-008-0093-1","volume":"7","author":"J Ondrus","year":"2009","unstructured":"Ondrus, J., & Pigneur, Y. (2009). Near field communication: An assessment for future payment systems. Information Systems and e-Business Management, 7, 347\u2013361. https:\/\/doi.org\/10.1007\/s10257-008-0093-1","journal-title":"Information Systems and e-Business Management"},{"key":"9577_CR48","doi-asserted-by":"publisher","first-page":"2088","DOI":"10.3389\/fpsyg.2020.02088","volume":"11","author":"FJ Otamendi","year":"2020","unstructured":"Otamendi, F. J., & Sutil Mart\u00edn, D. L. (2020). The emotional effectiveness of advertisement. Frontiers in Psychology, 11, 2088. https:\/\/doi.org\/10.3389\/fpsyg.2020.02088","journal-title":"Frontiers in Psychology"},{"key":"9577_CR49","doi-asserted-by":"publisher","DOI":"10.1016\/j.procs.2015.10.002","author":"D Pal","year":"2015","unstructured":"Pal, D., Vanijja, V., & Papasratorn, B. (2015). An empirical analysis towards the adoption of NFC mobile payment system by the end user. Procedia Computer Science. https:\/\/doi.org\/10.1016\/j.procs.2015.10.002","journal-title":"Procedia Computer Science"},{"key":"9577_CR50","unstructured":"Patel, R., Kunche, A., Mishra, N., Bhaiyat, Z., & Joshi, R. (2015). Comparative review of existing mobile payment systems. International Journal of Applied Engineering Research, 10, 16873\u201316884. http:\/\/www.ripublication.com"},{"key":"9577_CR51","doi-asserted-by":"publisher","first-page":"156","DOI":"10.3390\/su10010156","volume":"10","author":"QT Pham","year":"2018","unstructured":"Pham, Q. T., Tran, X. P., Misra, S., Maskeli\u016bnas, R., & Dama\u0161evi\u010dius, R. (2018). Relationship between convenience, perceived value, and repurchase intention in online shopping in Vietnam. Sustainability, 10, 156. https:\/\/doi.org\/10.3390\/su10010156","journal-title":"Sustainability"},{"issue":"5","key":"9577_CR52","doi-asserted-by":"publisher","first-page":"46","DOI":"10.3390\/bs9050046","volume":"9","author":"F Prayoonphan","year":"2019","unstructured":"Prayoonphan, F., & Xu, X. (2019). Factors influencing the intention to use the common ticketing system (Spider Card) in Thailand. Behavioural Science, 9(5), 46. https:\/\/doi.org\/10.3390\/bs9050046","journal-title":"Behavioural Science"},{"issue":"5","key":"9577_CR53","doi-asserted-by":"publisher","first-page":"633","DOI":"10.1177\/0894439316666262","volume":"35","author":"S P\u00f6tzschke","year":"2017","unstructured":"P\u00f6tzschke, S., & Migrant, B. M. (2017). Sampling using Facebook advertisements: A case study of Polish migrants in four European countries. Social Science Computer Review, 35(5), 633\u2013653. https:\/\/doi.org\/10.1177\/0894439316666262","journal-title":"Social Science Computer Review"},{"key":"9577_CR54","doi-asserted-by":"publisher","first-page":"931","DOI":"10.1016\/j.techfore.2018.09.018","volume":"146","author":"I Ramos-de-Luna","year":"2019","unstructured":"Ramos-de-Luna, I., Li\u00e9bana-Cabanillas, F., S\u00e1nchez-Fern\u00e1ndez, J., & Mu\u00f1oz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931\u2013944.","journal-title":"Technological Forecasting and Social Change"},{"issue":"2","key":"9577_CR55","doi-asserted-by":"publisher","first-page":"I","DOI":"10.4067\/S0718-18762020000200101","volume":"15","author":"I Rodr\u00edguez-Ardura","year":"2020","unstructured":"Rodr\u00edguez-Ardura, I., & Meseguer-Artola, A. (2020). Editorial: How to prevent, detect and control common method variance in electronic commerce research. Journal of Theoretical and Applied Electronic Commerce Research, 15(2), I\u2013V. https:\/\/doi.org\/10.4067\/S0718-18762020000200101","journal-title":"Journal of Theoretical and Applied Electronic Commerce Research"},{"key":"9577_CR56","doi-asserted-by":"publisher","DOI":"10.7312\/roge17544","volume-title":"The digital transformation playbook: Rethink your business for the digital age","author":"DL Rogers","year":"2016","unstructured":"Rogers, D. L. (2016). The digital transformation playbook: Rethink your business for the digital age. Columbia University Press."},{"issue":"5\u20136","key":"9577_CR57","doi-asserted-by":"publisher","first-page":"239","DOI":"10.1080\/02642069.2016.1186657","volume":"36","author":"SK Roy","year":"2016","unstructured":"Roy, S. K., Lassar, W. M., & Shekhar, V. (2016). Convenience and satisfaction: Mediation of fairness and quality. The Service Industries Journal, 36(5\u20136), 239\u2013260. https:\/\/doi.org\/10.1080\/02642069.2016.1186657","journal-title":"The Service Industries Journal"},{"key":"9577_CR58","first-page":"80","volume":"3","author":"M Rozalia","year":"2007","unstructured":"Rozalia, M. (2007). Types of non-probabilistic sampling used in marketing research. \u201cSnowball\u201d sampling. Management and Marketing (Bucharest), 3, 80\u201390.","journal-title":"Management and Marketing (Bucharest)"},{"key":"9577_CR59","unstructured":"STATISTA. (2021). Percentage of global population accessing the Internet from 2006 to 2020, by market maturity. https:\/\/www.statista.com\/statistics\/209096\/share-of-internet-users-in-the-total-world-population-since-2006\/"},{"issue":"1","key":"9577_CR60","doi-asserted-by":"publisher","first-page":"71","DOI":"10.4067\/S0718-18762018000100105","volume":"13","author":"V Saprikis","year":"2018","unstructured":"Saprikis, V., Markos, A., Zarmpou, T., & Vlachopoulou, M. (2018). Mobile shopping consumers\u2019 behavior: An exploratory study and review. Journal of Theoretical and Applied Electronic Commerce Research, 13(1), 71\u201390. https:\/\/doi.org\/10.4067\/S0718-18762018000100105","journal-title":"Journal of Theoretical and Applied Electronic Commerce Research"},{"key":"9577_CR61","doi-asserted-by":"publisher","unstructured":"Sebastian, A. T., Lal, B., Anupama, J., Varghese, J., Tom, A. A., Rajkumar, E., George, A. J., Jeyavel, S., Pandey, V., Wajid, M., & John, R. | Awan, U. (Reviewing Editor) (2021). Exploring the opinions of the YouTube visitors towards advertisements and its influence on purchase intention among viewers, Cogent Business and Management, 8, 1. https:\/\/doi.org\/10.1080\/23311975.2021.1876545","DOI":"10.1080\/23311975.2021.1876545"},{"key":"9577_CR62","unstructured":"Shuey, S. Business Editor (2017). Apple Pay launches in UAE. Retrieved February 12, 2021, from https:\/\/gulfnews.com\/technology\/apple-pay-launches-in-uae-1.2111667"},{"issue":"7","key":"9577_CR63","first-page":"106","volume":"4","author":"SC Silva","year":"2016","unstructured":"Silva, S. C., & Martins, C. C. (2016). Understanding Portuguese young consumers\u2019 intention to use mobile commerce. International Journal of Marketing, Communication and New Media, 4(7), 106\u2013131.","journal-title":"International Journal of Marketing, Communication and New Media"},{"key":"9577_CR64","doi-asserted-by":"crossref","unstructured":"Singh, N., Casado-Aranda, L. A., & Ramos-de-Luna, I. R. (2020). Assessing the antecedents of user intention to use mobile payment services in the context of emerging markets. In Impact of mobile services on business development and e-commerce (pp. 144\u2013163). IGI Global.","DOI":"10.4018\/978-1-7998-0050-7.ch008"},{"key":"9577_CR65","unstructured":"Solis, B. (2016). Industry Analyst, Altimeter. The race against digital Darwinism. Retrieved February 12, 2021, from https:\/\/insights.prophet.com\/six-stages-of-digital-transformation-2016"},{"key":"9577_CR66","unstructured":"Tarran, B. (2010). Respondent engagement and survey length: The long and the short of it. Research. http:\/\/www.research-live.com\/news\/news-headlines\/respondent-engagement-and-survey-length-the-long-and-the-short-of-it\/4002430.article"},{"key":"9577_CR67","doi-asserted-by":"crossref","unstructured":"Venkatesh, V., Thong, J., & 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\u2013178. Retrieved February 27, 2021, from http:\/\/www.jstor.org\/stable\/41410412","DOI":"10.2307\/41410412"},{"key":"9577_CR68","unstructured":"Visa DED. (2020). Visa-DED security survey. UAE consumers increasingly trust digital payments over cash, according to latest Visa-DED security survey. Retrieved March 12, 2021, from https:\/\/ae.visamiddleeast.com\/en_AE\/about-visa\/newsroom\/press-releases\/prl-19052019.html"},{"key":"9577_CR69","doi-asserted-by":"publisher","unstructured":"Westland, J. C. (2014, August 29). Sample calibration in Likert-metric survey data. https:\/\/doi.org\/10.2139\/ssrn.2489010","DOI":"10.2139\/ssrn.2489010"},{"key":"9577_CR70","unstructured":"Xiao, Y., & Chorzempa, M. (2020). How digital payments can help countries cope with COVID-19, other pandemics: Lessons from China. Retrieved April 28, 2022, from https:\/\/www.weforum.org\/agenda\/2020\/05\/digital-payments-cashand-covid-19-pandemics\/"},{"key":"9577_CR71","doi-asserted-by":"publisher","first-page":"20","DOI":"10.1177\/0266666914522140","volume":"32","author":"S Yuan","year":"2016","unstructured":"Yuan, S., Liu, Y., Yao, R., & Liu, J. (2016). An investigation of users\u2019 continuance intention towards mobile banking in China. Information Development, 32, 20\u201334.","journal-title":"Information Development"}],"container-title":["Electronic Commerce Research"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-022-09577-1.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s10660-022-09577-1\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-022-09577-1.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2024,4,5]],"date-time":"2024-04-05T04:11:01Z","timestamp":1712290261000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s10660-022-09577-1"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,6,27]]},"references-count":71,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2024,3]]}},"alternative-id":["9577"],"URL":"https:\/\/doi.org\/10.1007\/s10660-022-09577-1","relation":{},"ISSN":["1389-5753","1572-9362"],"issn-type":[{"value":"1389-5753","type":"print"},{"value":"1572-9362","type":"electronic"}],"subject":[],"published":{"date-parts":[[2022,6,27]]},"assertion":[{"value":"1 June 2022","order":1,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"27 June 2022","order":2,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}},{"order":1,"name":"Ethics","group":{"name":"EthicsHeading","label":"Declarations"}},{"value":"On behalf of all authors, the corresponding author states that there is no conflict of interest.","order":2,"name":"Ethics","group":{"name":"EthicsHeading","label":"Conflict of interest"}},{"value":"We confirm that the manuscript follows compliance with ethical standards; authors confirm that the study does not need any approval from any Ethics Committee.","order":3,"name":"Ethics","group":{"name":"EthicsHeading","label":"Ethical approval"}},{"value":"\u201cNot applicable,\u201d manuscript does not contain data from any individual person.","order":4,"name":"Ethics","group":{"name":"EthicsHeading","label":"Consent to publish"}},{"value":"Not applicable.","order":5,"name":"Ethics","group":{"name":"EthicsHeading","label":"Informed consent"}},{"value":"This content has been made available to all.","name":"free","label":"Free to read"}]}}