{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,23]],"date-time":"2026-02-23T13:02:38Z","timestamp":1771851758619,"version":"3.50.1"},"reference-count":91,"publisher":"Emerald","issue":"2","license":[{"start":{"date-parts":[[2024,4,16]],"date-time":"2024-04-16T00:00:00Z","timestamp":1713225600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JSIT"],"published-print":{"date-parts":[[2024,5,7]]},"abstract":"<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title>\n<jats:p>As the competition to retain current and attract new mobile payment app users intensifies, meeting users\u2019 needs has become fundamental for mobile payment app service providers to stay competitive. This study aims to investigate the relationship between users\u2019 needs, users\u2019 attitude towards mobile payment apps and users\u2019 continuance intention to use mobile payment apps.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title>\n<jats:p>Following an exploratory sequential mixed methods research design, this study first conducted three focus groups in the qualitative phase to investigate issues or concerns faced by current users of mobile payment apps. The study then conducted an online questionnaire survey in the quantitative phase to collect responses from users of mobile payment apps. Partial least squares structural equation modelling was used to analyse 110 valid responses.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Findings<\/jats:title>\n<jats:p>Findings show that usefulness (modelled as a second-order reflective construct consisting of three first-order reflective constructs, i.e. ease of use, acceptability and responsiveness), traceability and security had a statistically significant relationship with attitude towards mobile payment apps (which in turn had a statistically significant relationship with continuance intention to use mobile payment apps). It was also found that attitude towards mobile payment mediated the relationships between usefulness, traceability and security; and continuance intention to use mobile payment apps.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title>\n<jats:p>The findings of this study can help mobile payment app service providers and developers design apps that offer the functions and features that their users need.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title>\n<jats:p>Although some recent studies have investigated the adoption of mobile payments in the Malaysian context, few of these studies examined current users\u2019 continuance intention to use mobile payment apps.<\/jats:p>\n<\/jats:sec>","DOI":"10.1108\/jsit-03-2023-0043","type":"journal-article","created":{"date-parts":[[2024,4,15]],"date-time":"2024-04-15T11:46:35Z","timestamp":1713181595000},"page":"212-233","source":"Crossref","is-referenced-by-count":18,"title":["Driving factors behind mobile payment app users\u2019 continuance intention: insights for service providers in Malaysia"],"prefix":"10.1108","volume":"26","author":[{"given":"Lee Yen","family":"Chaw","sequence":"first","affiliation":[]},{"given":"Chun Meng","family":"Tang","sequence":"additional","affiliation":[]},{"given":"Muhammad","family":"Ali","sequence":"additional","affiliation":[]}],"member":"140","published-online":{"date-parts":[[2024,4,16]]},"reference":[{"key":"key2024050608010376600_ref001","doi-asserted-by":"crossref","first-page":"101937","DOI":"10.1016\/j.techsoc.2022.101937","article-title":"Go cashless! determinants of continuance intention to use E-wallet apps: a hybrid approach using PLS-SEM and fsQCA","volume":"68","year":"2022","journal-title":"Technology in Society"},{"issue":"5","key":"key2024050608010376600_ref002","first-page":"1","article-title":"Understanding the determinants of e-wallet continuance usage intention in Malaysia","volume":"56","year":"2021","journal-title":"Quality and Quantity"},{"key":"key2024050608010376600_ref003","doi-asserted-by":"crossref","unstructured":"Agarwal, S., Qian, W., Ren, Y., Tsai, H.T. and Yeung, B.Y. (2020), \u201cThe real impact of fintech: evidence from mobile payment technology\u201d, available at: www.ssrn.com\/abstract=3556340","DOI":"10.2139\/ssrn.3556340"},{"key":"key2024050608010376600_ref004","doi-asserted-by":"publisher","DOI":"10.1057\/s41264-022-00199-0","article-title":"An integrated framework for mobile payment in Pakistan: drivers, barriers, and facilitators of usage behavior","year":"2022","journal-title":"Journal of Financial Services Marketing"},{"key":"key2024050608010376600_ref005","doi-asserted-by":"crossref","first-page":"38","DOI":"10.1016\/j.econmod.2017.09.002","article-title":"Cash remains top-of-wallet! International evidence from payment diaries","volume":"69","year":"2018","journal-title":"Economic Modelling"},{"issue":"2","key":"key2024050608010376600_ref006","doi-asserted-by":"crossref","first-page":"150","DOI":"10.1108\/IJBM-05-2013-0048","article-title":"Consumer attitudes on mobile payment services \u2013 results from a proof of concept test","volume":"32","year":"2014","journal-title":"International Journal of Bank Marketing"},{"issue":"3","key":"key2024050608010376600_ref007","doi-asserted-by":"crossref","first-page":"351","DOI":"10.2307\/3250921","article-title":"Understanding information systems continuance: an expectation-confirmation model","volume":"25","year":"2001","journal-title":"MIS Quarterly"},{"issue":"1","key":"key2024050608010376600_ref008","doi-asserted-by":"crossref","first-page":"17","DOI":"10.1080\/08874417.2008.11645302","article-title":"Information technology continuance: a theoretic extension and empirical test","volume":"49","year":"2008","journal-title":"Journal of Computer Information Systems"},{"issue":"2","key":"key2024050608010376600_ref009","doi-asserted-by":"crossref","first-page":"178","DOI":"10.1108\/JRIT-03-2017-0004","article-title":"Predicting students\u2019 intention to adopt mobile learning: a combination of theory of reasoned action and technology acceptance model","volume":"11","year":"2018","journal-title":"Journal of Research in Innovative Teaching and Learning"},{"key":"key2024050608010376600_ref010","unstructured":"Central Bank of Malaysia (2022), \u201cBasic payments indicator\u201d, available at: www.bnm.gov.my\/payment-statistics"},{"issue":"1","key":"key2024050608010376600_ref011","doi-asserted-by":"crossref","first-page":"21","DOI":"10.1007\/s11423-018-9598-6","article-title":"Choosing between the theory of planned behavior (TPB) and the technology acceptance model (TAM)","volume":"67","year":"2019","journal-title":"Educational Technology Research and Development"},{"issue":"2","key":"key2024050608010376600_ref012","doi-asserted-by":"crossref","first-page":"150","DOI":"10.1504\/IJMC.2022.121449","article-title":"Factors affecting the continuance intention of mobile payment services: a product-service systems perspective","volume":"20","year":"2022","journal-title":"International Journal of Mobile Communications"},{"key":"key2024050608010376600_ref013","volume-title":"Qualitative Inquiry and Research Design: Choosing among Five Approaches","year":"2013","edition":"3rd ed."},{"key":"key2024050608010376600_ref014","volume-title":"Research Design: Qualitative, Quantitative, and Mixed Methods Approaches","year":"2018","edition":"5th ed."},{"issue":"5","key":"key2024050608010376600_ref015","doi-asserted-by":"crossref","first-page":"265","DOI":"10.1016\/j.elerap.2015.07.006","article-title":"A critical review of mobile payment research","volume":"14","year":"2015","journal-title":"Electronic Commerce Research and Applications"},{"issue":"3","key":"key2024050608010376600_ref016","doi-asserted-by":"crossref","first-page":"319","DOI":"10.2307\/249008","article-title":"Perceived usefulness, perceived ease of use, and user acceptance of information technology","volume":"13","year":"1989","journal-title":"MIS Quarterly"},{"issue":"8","key":"key2024050608010376600_ref017","doi-asserted-by":"crossref","first-page":"982","DOI":"10.1287\/mnsc.35.8.982","article-title":"User acceptance of computer technology: a comparison of two theoretical models","volume":"35","year":"1989","journal-title":"Management Science"},{"key":"key2024050608010376600_ref018","doi-asserted-by":"crossref","first-page":"931","DOI":"10.1016\/j.techfore.2018.09.018","article-title":"Mobile payment is not all the same: the adoption of mobile payment systems depending on the technology applied","volume":"146","year":"2019","journal-title":"Technological Forecasting and Social Change"},{"key":"key2024050608010376600_ref019","unstructured":"Department of Statistics Malaysia (2022), \u201cCurrent population estimates\u201d, available at: www.dosm.gov.my\/v1\/index.php?r=column\/pdfPrev&id=dTZXanV6UUdyUEQ0SHNWOVhpSXNMUT09"},{"issue":"7","key":"key2024050608010376600_ref020","doi-asserted-by":"crossref","first-page":"1575","DOI":"10.1108\/IJBM-01-2020-0039","article-title":"Mobile payments adoption - introducing mindfulness to better understand consumer behavior","volume":"38","year":"2020","journal-title":"International Journal of Bank Marketing"},{"issue":"8","key":"key2024050608010376600_ref021","doi-asserted-by":"crossref","first-page":"e07807","DOI":"10.1016\/j.heliyon.2021.e07807","article-title":"Understanding the factors of mobile payment continuance intention: empirical test in an African context","volume":"7","year":"2021","journal-title":"Heliyon"},{"key":"key2024050608010376600_ref022","first-page":"91","article-title":"A practical guide to factorial validity using PLS-Graph: tutorial and annotated example","volume":"16","year":"2005","journal-title":"Communications of the Association for Information Systems"},{"key":"key2024050608010376600_ref023","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/j.elerap.2017.03.002","article-title":"Who signs up for NFC mobile payment services? Mobile network operator subscribers in Germany","volume":"23","year":"2017","journal-title":"Electronic Commerce Research and Applications"},{"issue":"2\/3","key":"key2024050608010376600_ref024","first-page":"147","article-title":"An analytical framework for an m-payment ecosystem: a merchants\u2019 perspective","volume":"40","year":"2016","journal-title":"Telecommunications Policy"},{"issue":"6","key":"key2024050608010376600_ref025","doi-asserted-by":"crossref","first-page":"619","DOI":"10.1177\/8756972819882132","article-title":"Factors versus composites: guidelines for choosing the right structural equation modeling method","volume":"50","year":"2019","journal-title":"Project Management Journal"},{"issue":"4","key":"key2024050608010376600_ref026","doi-asserted-by":"crossref","first-page":"566","DOI":"10.1108\/EJM-10-2018-0665","article-title":"Rethinking some of the rethinking of partial least squares","volume":"53","year":"2019","journal-title":"European Journal of Marketing"},{"key":"key2024050608010376600_ref027","volume-title":"A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM)","year":"2022","edition":"3rd ed."},{"issue":"QII","key":"key2024050608010376600_ref028","first-page":"33","article-title":"Mobile payments: merchants\u2019 perspectives","year":"2014","journal-title":"Economic Review"},{"issue":"2","key":"key2024050608010376600_ref029","doi-asserted-by":"crossref","first-page":"646","DOI":"10.1108\/IJBM-03-2018-0072","article-title":"An integrated framework for the adoption and continuance intention to use mobile payment apps","volume":"37","year":"2019","journal-title":"International Journal of Bank Marketing"},{"key":"key2024050608010376600_ref030","article-title":"Voice of the customer as a tool for service quality analysis in public transport","year":"2022","journal-title":"The TQM Journal"},{"issue":"2","key":"key2024050608010376600_ref031","doi-asserted-by":"crossref","first-page":"199","DOI":"10.1086\/376806","article-title":"A critical review of construct indicators and measurement model misspecification in marketing and consumer research","volume":"30","year":"2003","journal-title":"Journal of Consumer Research"},{"issue":"1","key":"key2024050608010376600_ref032","first-page":"1","article-title":"Mobile payment in Fintech environment: trends, security challenges, and services","volume":"8","year":"2018","journal-title":"Human-Centric Computing and Information Sciences"},{"issue":"3","key":"key2024050608010376600_ref033","doi-asserted-by":"crossref","first-page":"223","DOI":"10.1007\/s11859-019-1389-3","article-title":"Analysis and improvement on a mobile payment protocol with outsourced verification in cloud service","volume":"24","year":"2019","journal-title":"Wuhan University Journal of Natural Sciences"},{"key":"key2024050608010376600_ref034","doi-asserted-by":"crossref","first-page":"460","DOI":"10.1016\/j.chb.2017.01.001","article-title":"Security-related factors in extended UTAUT model for NFC based mobile payment in the restaurant industry","volume":"70","year":"2017","journal-title":"Computers in Human Behavior"},{"issue":"3","key":"key2024050608010376600_ref035","doi-asserted-by":"crossref","first-page":"310","DOI":"10.1016\/j.chb.2009.10.013","article-title":"An empirical examination of factors influencing the intention to use mobile payment","volume":"26","year":"2010","journal-title":"Computers in Human Behavior"},{"issue":"2","key":"key2024050608010376600_ref036","first-page":"1","article-title":"Harman\u2019s single factor test in PLS-SEM: checking for common method bias","volume":"2","year":"2021","journal-title":"Data Analysis Perspectives Journal"},{"key":"key2024050608010376600_ref037","doi-asserted-by":"crossref","first-page":"26","DOI":"10.1016\/j.elerap.2015.11.002","article-title":"Carefully choose your (payment) partner: how payment provider reputation influences m-commerce transactions","volume":"15","year":"2016","journal-title":"Electronic Commerce Research and Applications"},{"issue":"2","key":"key2024050608010376600_ref038","doi-asserted-by":"crossref","first-page":"148","DOI":"10.1108\/JMLC-09-2015-0039","article-title":"Fraud risk in electronic payment transactions","volume":"19","year":"2016","journal-title":"Journal of Money Laundering Control"},{"key":"key2024050608010376600_ref039","doi-asserted-by":"crossref","first-page":"193","DOI":"10.1016\/j.compedu.2012.10.001","article-title":"User acceptance of YouTube for procedural learning: an extension of the technology acceptance model","volume":"61","year":"2013","journal-title":"Computers and Education"},{"key":"key2024050608010376600_ref040","doi-asserted-by":"crossref","first-page":"50380","DOI":"10.1109\/ACCESS.2019.2902905","article-title":"Mobile payment with Alipay: an application of extended technology acceptance model","volume":"7","year":"2019","journal-title":"IEEE Access"},{"key":"key2024050608010376600_ref041","doi-asserted-by":"crossref","first-page":"101753","DOI":"10.1016\/j.techsoc.2021.101753","article-title":"The dimensions of trust: an investigation of mobile payment services in Taiwan","volume":"67","year":"2021","journal-title":"Technology in Society"},{"key":"key2024050608010376600_ref042","doi-asserted-by":"crossref","first-page":"266","DOI":"10.1016\/j.techfore.2018.11.012","article-title":"To use or not to use, that is the question: analysis of the determining factors for using NFC mobile payment systems in public transportation","volume":"139","year":"2019","journal-title":"Technological Forecasting and Social Change"},{"key":"key2024050608010376600_ref043","doi-asserted-by":"crossref","first-page":"117","DOI":"10.1016\/j.techfore.2017.12.015","article-title":"Predicting the determinants of mobile payment acceptance: a hybrid SEM-neural network approach","volume":"129","year":"2018","journal-title":"Technological Forecasting and Social Change"},{"issue":"2","key":"key2024050608010376600_ref044","doi-asserted-by":"crossref","first-page":"133","DOI":"10.1007\/s10799-021-00328-6","article-title":"Examining the determinants of continuance intention to use and the moderating effect of the gender and age of users of NFC mobile payments: a multi-analytical approach","volume":"22","year":"2021","journal-title":"Information Technology and Management"},{"issue":"3","key":"key2024050608010376600_ref045","doi-asserted-by":"crossref","first-page":"575","DOI":"10.1007\/s10660-019-09349-4","article-title":"Factors affecting consumers\u2019 mobile payment behavior: a meta-analysis","volume":"19","year":"2019","journal-title":"Electronic Commerce Research"},{"issue":"5","key":"key2024050608010376600_ref046","doi-asserted-by":"crossref","first-page":"939","DOI":"10.1108\/IJBM-06-2021-0257","article-title":"The cognitive-affective nexus on mobile payment continuance intention during the COVID-19 pandemic","volume":"40","year":"2022","journal-title":"International Journal of Bank Marketing"},{"issue":"4","key":"key2024050608010376600_ref047","doi-asserted-by":"crossref","first-page":"413","DOI":"10.1016\/j.jsis.2007.08.001","article-title":"Exploring consumer adoption of mobile payments \u2013 a qualitative study","volume":"16","year":"2007","journal-title":"The Journal of Strategic Information Systems"},{"issue":"2","key":"key2024050608010376600_ref048","doi-asserted-by":"crossref","first-page":"24","DOI":"10.2979\/esj.2008.6.2.24","article-title":"Exploring merchant adoption of mobile payment systems: an empirical study","volume":"6","year":"2008","journal-title":"E-Service Journal"},{"issue":"1","key":"key2024050608010376600_ref049","first-page":"215","article-title":"Customer involvement in product development: using voice of the customer for innovation and marketing","volume":"27","year":"2020","journal-title":"Benchmarking: An International Journal"},{"issue":"2\/3","key":"key2024050608010376600_ref050","first-page":"182","article-title":"Mobile payments in Japan, South Korea and China: cross-border convergence or divergence of business models?","volume":"40","year":"2016","journal-title":"Telecommunications Policy"},{"issue":"6","key":"key2024050608010376600_ref051","doi-asserted-by":"crossref","first-page":"665","DOI":"10.1504\/IJMC.2020.110860","article-title":"Investigating the continuance usage intention of mobile payment: a multi-theoretical perspective","volume":"18","year":"2020","journal-title":"International Journal of Mobile Communications"},{"key":"key2024050608010376600_ref052","unstructured":"New Straits Times (2021), \u201cE-wallet use in Malaysia growing\u201d, available at: www.nst.com.my\/opinion\/columnists\/2021\/04\/683345\/e-wallet-use-malaysia-growing"},{"key":"key2024050608010376600_ref053","doi-asserted-by":"crossref","first-page":"404","DOI":"10.1016\/j.chb.2016.03.030","article-title":"Mobile payment: understanding the determinants of customer adoption and intention to recommend the technology","volume":"61","year":"2016","journal-title":"Computers in Human Behavior"},{"key":"key2024050608010376600_ref054","doi-asserted-by":"crossref","first-page":"140","DOI":"10.1016\/j.jretconser.2018.11.015","article-title":"Examining the role of anxiety and social influence in multi-benefits of mobile payment service","volume":"47","year":"2019","journal-title":"Journal of Retailing and Consumer Services"},{"key":"key2024050608010376600_ref055","doi-asserted-by":"crossref","first-page":"159","DOI":"10.1016\/j.techsoc.2015.05.004","article-title":"The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments","volume":"43","year":"2015","journal-title":"Technology in Society"},{"key":"key2024050608010376600_ref056","unstructured":"RAM Ratings (2019), \u201cRise of mobile payment not a threat to Malaysian banks\u201d, available at: www.ram.com.my\/pressrelease\/?prviewid=4970"},{"issue":"3","key":"key2024050608010376600_ref057","doi-asserted-by":"crossref","first-page":"261","DOI":"10.1080\/10696679.2022.2056488","article-title":"PLS-SEM: indeed a silver bullet\u2019 \u2013 retrospective observations and recent advances","volume":"31","year":"2023","journal-title":"Journal of Marketing Theory and Practice"},{"issue":"3","key":"key2024050608010376600_ref058","doi-asserted-by":"crossref","first-page":"197","DOI":"10.1016\/j.ausmj.2019.05.003","article-title":"How to specify, estimate, and validate higher-order constructs in PLS-SEM","volume":"27","year":"2019","journal-title":"Australasian Marketing Journal"},{"key":"key2024050608010376600_ref059","unstructured":"ScriptWarp Systems (2024), \u201cWarpPLS\u201d, available at: www.scriptwarp.com\/warppls\/#Description"},{"key":"key2024050608010376600_ref060","doi-asserted-by":"crossref","first-page":"100823","DOI":"10.1016\/j.elerap.2018.100823","article-title":"Antecedents of trust and continuance intention in mobile payment platforms: the moderating effect of gender","volume":"33","year":"2019","journal-title":"Electronic Commerce Research and Applications"},{"issue":"3","key":"key2024050608010376600_ref061","doi-asserted-by":"crossref","first-page":"243","DOI":"10.1080\/10580530.2019.1620504","article-title":"A hybrid SEM-neural network model for predicting determinants of mobile payment services","volume":"36","year":"2019","journal-title":"Information Systems Management"},{"issue":"6","key":"key2024050608010376600_ref062","doi-asserted-by":"crossref","first-page":"1615","DOI":"10.19030\/jabr.v30i6.8873","article-title":"The effects of technology readiness and technology acceptance on NFC mobile payment services in Korea","volume":"30","year":"2014","journal-title":"Journal of Applied Business Research (JABR)"},{"key":"key2024050608010376600_ref063","doi-asserted-by":"crossref","first-page":"101894","DOI":"10.1016\/j.jretconser.2019.101894","article-title":"How perceived trust mediates merchant\u2019s intention to use a mobile wallet technology","volume":"52","year":"2020","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"1","key":"key2024050608010376600_ref064","doi-asserted-by":"crossref","first-page":"192","DOI":"10.1108\/IJBM-05-2017-0099","article-title":"Mobile payments in India: the privacy factor","volume":"37","year":"2019","journal-title":"International Journal of Bank Marketing"},{"issue":"4","key":"key2024050608010376600_ref065","doi-asserted-by":"crossref","first-page":"472","DOI":"10.1108\/JAMR-09-2018-0086","article-title":"Impact of demonetization on diffusion of mobile payment service in India: antecedents of behavioral intention and adoption using extended UTAUT model","volume":"16","year":"2019","journal-title":"Journal of Advances in Management Research"},{"key":"key2024050608010376600_ref066","unstructured":"Statista (2022), \u201cMobile POS payments\u201d, available at: www.statista.com\/outlook\/dmo\/fintech\/digital-payments\/mobile-pos-payments\/malaysia"},{"issue":"1","key":"key2024050608010376600_ref067","doi-asserted-by":"crossref","first-page":"36","DOI":"10.1287\/isre.13.1.36.97","article-title":"An empirical examination of the concern for information privacy instrument","volume":"13","year":"2002","journal-title":"Information Systems Research"},{"issue":"2","key":"key2024050608010376600_ref068","doi-asserted-by":"crossref","first-page":"186","DOI":"10.1080\/09537325.2017.1297788","article-title":"How users\u2019 internet experience affects the adoption of mobile payment: a mediation model","volume":"30","year":"2018","journal-title":"Technology Analysis and Strategic Management"},{"key":"key2024050608010376600_ref069","volume-title":"Using Multivariate Statistics","year":"2007","edition":"5th ed."},{"key":"key2024050608010376600_ref070","doi-asserted-by":"crossref","first-page":"102086","DOI":"10.1016\/j.jretconser.2020.102086","article-title":"Point of adoption and beyond. Initial trust and mobile-payment continuation intention","volume":"55","year":"2020","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"1","key":"key2024050608010376600_ref071","first-page":"243","article-title":"Exploring the influential factors of continuance intention to use mobile apps: extending the expectation confirmation model","volume":"22","year":"2018","journal-title":"Information Systems Frontiers"},{"issue":"2","key":"key2024050608010376600_ref072","doi-asserted-by":"crossref","first-page":"159","DOI":"10.1108\/IJRDM-05-2015-0065","article-title":"Mobile payment technologies in retail: a review of potential benefits and risks","volume":"44","year":"2016","journal-title":"International Journal of Retail and Distribution Management"},{"issue":"3","key":"key2024050608010376600_ref073","doi-asserted-by":"crossref","first-page":"1000","DOI":"10.1016\/j.compedu.2009.05.017","article-title":"Assessing the intention to use technology among pre-service teachers in Singapore and Malaysia: a multigroup invariance analysis of the technology acceptance model (TAM)","volume":"53","year":"2009","journal-title":"Computers and Education"},{"key":"key2024050608010376600_ref074","unstructured":"The Edge Markets (2020), \u201cFinance - Digital payments give users more bang for their ringgit\u201d, available at: www.theedgemarkets.com\/article\/finance-digital-payments-give-users-more-bang-their-ringgit"},{"key":"key2024050608010376600_ref075","unstructured":"The Star (2020), \u201cMalaysia leads mobile wallet usage in South-East Asia\u201d, available at: www.thestar.com.my\/business\/business-news\/2020\/06\/24\/malaysia-leads-mobile-wallet-usage-in-south-east-asia"},{"issue":"3","key":"key2024050608010376600_ref076","doi-asserted-by":"crossref","first-page":"383","DOI":"10.15208\/beh.2017.28","article-title":"The adoption of mobile payment services by consumers: an empirical analysis results","volume":"13","year":"2017","journal-title":"Business and Economic Horizons"},{"key":"key2024050608010376600_ref077","unstructured":"UOB (2020), \u201cUOB survey finds Malaysians prefer contactless payments during the COVID-19 pandemic\u201d, available at: www.uob.com.my\/about\/news\/2020\/press-release-dec30-2020.page"},{"key":"key2024050608010376600_ref078","unstructured":"UOB, PwC Singapore and the Singapore FinTech Association (2021), \u201cFinTech in ASEAN 2021\u201d, available at: www.uobgroup.com\/techecosystem\/news-insights-consumer-research-malaysia.html"},{"issue":"2","key":"key2024050608010376600_ref079","doi-asserted-by":"crossref","first-page":"127","DOI":"10.1080\/03634523.2020.1791351","article-title":"Technology acceptance model: investigating students\u2019 intentions toward adoption of immersive 360\u00b0 videos for public speaking rehearsals","volume":"70","year":"2021","journal-title":"Communication Education"},{"issue":"3","key":"key2024050608010376600_ref080","doi-asserted-by":"crossref","first-page":"1774","DOI":"10.11591\/ijece.v8i3.pp1774-1780","article-title":"The fact-finding security examination in NFC-enabled mobile payment system","volume":"8","year":"2018","journal-title":"International Journal of Electrical and Computer Engineering (IJECE)"},{"issue":"2","key":"key2024050608010376600_ref081","doi-asserted-by":"crossref","first-page":"230","DOI":"10.1080\/02188791.2019.1671808","article-title":"Practicum teachers\u2019 use of mobile technology as measured by the technology acceptance model","volume":"40","year":"2020","journal-title":"Asia Pacific Journal of Education"},{"issue":"2","key":"key2024050608010376600_ref082","doi-asserted-by":"crossref","first-page":"123","DOI":"10.1080\/09593969.2019.1626260","article-title":"Exploring technology readiness for mobile payment app users","volume":"30","year":"2020","journal-title":"The International Review of Retail, Distribution and Consumer Research"},{"issue":"8","key":"key2024050608010376600_ref083","doi-asserted-by":"crossref","first-page":"1761","DOI":"10.1108\/IMDS-08-2016-0312","article-title":"Consumer acceptance of mobile payment across time","volume":"117","year":"2017","journal-title":"Industrial Management and Data Systems"},{"key":"key2024050608010376600_ref084","doi-asserted-by":"crossref","first-page":"102300","DOI":"10.1016\/j.jretconser.2020.102300","article-title":"QR code and mobile payment: the disruptive forces in retail","volume":"58","year":"2021","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"2","key":"key2024050608010376600_ref085","doi-asserted-by":"crossref","first-page":"253","DOI":"10.1108\/IMDS-08-2014-0243","article-title":"Understanding perceived risks in mobile payment acceptance","volume":"115","year":"2015","journal-title":"Industrial Management and Data Systems"},{"issue":"5","key":"key2024050608010376600_ref086","doi-asserted-by":"crossref","first-page":"1296","DOI":"10.1108\/IJBM-08-2018-0229","article-title":"Understanding the impact of financial incentives on NFC mobile payment adoption: an experimental analysis","volume":"37","year":"2019","journal-title":"International Journal of Bank Marketing"},{"issue":"2","key":"key2024050608010376600_ref087","doi-asserted-by":"crossref","first-page":"197","DOI":"10.1086\/651257","article-title":"Reconsidering baron and Kenny: myths and truths about mediation analysis","volume":"37","year":"2010","journal-title":"Journal of Consumer Research"},{"issue":"6","key":"key2024050608010376600_ref088","doi-asserted-by":"crossref","first-page":"936","DOI":"10.1108\/IMDS-02-2014-0068","article-title":"Understanding the determinants of mobile payment continuance usage","volume":"114","year":"2014","journal-title":"Industrial Management and Data Systems"},{"key":"key2024050608010376600_ref089","unstructured":"Statista (2021a), \u201cNumber of smartphone users in Malaysia from 2010 to 2020 and a forecast up to 2025 smartphone users in Malaysia 2010-2025\u201d, available at: www.statista.com\/statistics\/494587\/smartphone-users-in-malaysia\/"},{"key":"key2024050608010376600_ref090","unstructured":"Statista (2021b), \u201cNumber of mobile internet users in Malaysia from 2010 to 2020 and a forecast up to 2025\u201d, available at: www.statista.com\/statistics\/558698\/number-of-mobile-internet-user-in-malaysia\/"},{"key":"key2024050608010376600_ref091","unstructured":"The Star (2018), \u201cGrowing trend for e-Payment\u201d, available at: www.thestar.com.my\/metro\/smebiz\/news\/2018\/02\/05\/growing-trend-for-epayment\/"}],"container-title":["Journal of Systems and Information Technology"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JSIT-03-2023-0043\/full\/xml","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JSIT-03-2023-0043\/full\/html","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,7,24]],"date-time":"2025-07-24T22:23:43Z","timestamp":1753395823000},"score":1,"resource":{"primary":{"URL":"http:\/\/www.emerald.com\/jsit\/article\/26\/2\/212-233\/1236368"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2024,4,16]]},"references-count":91,"journal-issue":{"issue":"2","published-online":{"date-parts":[[2024,4,16]]},"published-print":{"date-parts":[[2024,5,7]]}},"alternative-id":["10.1108\/JSIT-03-2023-0043"],"URL":"https:\/\/doi.org\/10.1108\/jsit-03-2023-0043","relation":{},"ISSN":["1328-7265","1328-7265"],"issn-type":[{"value":"1328-7265","type":"print"},{"value":"1328-7265","type":"electronic"}],"subject":[],"published":{"date-parts":[[2024,4,16]]}}}