{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,28]],"date-time":"2026-04-28T13:53:50Z","timestamp":1777384430325,"version":"3.51.4"},"reference-count":98,"publisher":"Institute of Electrical and Electronics Engineers (IEEE)","license":[{"start":{"date-parts":[[2020,1,1]],"date-time":"2020-01-01T00:00:00Z","timestamp":1577836800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/legalcode"}],"funder":[{"name":"Spanish Ministry of Economy and Competitiveness through the PERSEIDES","award":["TIN2017-86885-R"],"award-info":[{"award-number":["TIN2017-86885-R"]}]},{"name":"European Union\u2019s Horizon 2020 Research and Innovation Program","award":["786725"],"award-info":[{"award-number":["786725"]}]}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["IEEE Access"],"published-print":{"date-parts":[[2020]]},"DOI":"10.1109\/access.2019.2961785","type":"journal-article","created":{"date-parts":[[2019,12,23]],"date-time":"2019-12-23T20:25:37Z","timestamp":1577132737000},"page":"735-766","source":"Crossref","is-referenced-by-count":30,"title":["Users Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases: An Empirical Study of Their Payment Transaction Preferences"],"prefix":"10.1109","volume":"8","author":[{"given":"Oussama","family":"Tounekti","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-8433-159X","authenticated-orcid":false,"given":"Antonio","family":"Ruiz-Martinez","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-5525-1259","authenticated-orcid":false,"given":"Antonio F.","family":"Skarmeta Gomez","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"263","reference":[{"key":"ref39","article-title":"Evaluating the customer preferences of online shopping: Demographic factors and online shop application issue","volume":"17","author":"lubis","year":"2018","journal-title":"Academy of Strategic Management Journal"},{"key":"ref38","doi-asserted-by":"publisher","DOI":"10.1016\/j.jfineco.2018.11.007"},{"key":"ref33","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-014-9138-3"},{"key":"ref32","author":"stavins","year":"2018","journal-title":"The 2016 and 2017 surveys of consumer payment choice Summary results"},{"key":"ref31","doi-asserted-by":"publisher","DOI":"10.1086\/208748"},{"key":"ref30","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-319-58715-8_12"},{"key":"ref37","doi-asserted-by":"publisher","DOI":"10.1016\/j.regsciurbeco.2017.10.004"},{"key":"ref36","article-title":"User engagement for mobile payment service providers&#x2014;Introducing the social media engagement model","author":"grover","year":"2018","journal-title":"J Retailing Consum Services"},{"key":"ref35","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2016.12.001"},{"key":"ref34","doi-asserted-by":"publisher","DOI":"10.1016\/j.joep.2015.01.006"},{"key":"ref28","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2015.11.004"},{"key":"ref27","article-title":"Online payment method selection: The habitual choice of deferring payment","author":"deufel","year":"2018","journal-title":"Proc ICIS"},{"key":"ref29","doi-asserted-by":"publisher","DOI":"10.1016\/j.frl.2019.06.002"},{"key":"ref20","doi-asserted-by":"publisher","DOI":"10.1108\/02635571211232316"},{"key":"ref22","doi-asserted-by":"publisher","DOI":"10.1108\/02635570910939380"},{"key":"ref21","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.46.2.186.11926"},{"key":"ref24","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2016.06.001"},{"key":"ref23","doi-asserted-by":"publisher","DOI":"10.1016\/j.chb.2011.08.019"},{"key":"ref26","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2018.100823"},{"key":"ref25","doi-asserted-by":"publisher","DOI":"10.24251\/HICSS.2017.481"},{"key":"ref50","doi-asserted-by":"publisher","DOI":"10.2307\/30036540"},{"key":"ref51","doi-asserted-by":"publisher","DOI":"10.1016\/j.techsoc.2017.12.001"},{"key":"ref59","doi-asserted-by":"publisher","DOI":"10.1108\/IJRDM-08-2016-0144"},{"key":"ref58","doi-asserted-by":"publisher","DOI":"10.1108\/JIBR-10-2015-0112"},{"key":"ref57","doi-asserted-by":"crossref","DOI":"10.1108\/IntR-12-2012-0244","article-title":"Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India","author":"thakur","year":"2014","journal-title":"Internet Res"},{"key":"ref56","doi-asserted-by":"publisher","DOI":"10.1108\/JEIM-09-2014-0088"},{"key":"ref55","doi-asserted-by":"publisher","DOI":"10.1016\/j.procs.2017.12.187"},{"key":"ref54","doi-asserted-by":"publisher","DOI":"10.1007\/s10257-015-0284-5"},{"key":"ref53","first-page":"105557","article-title":"Social commerce and the mobile platform: Payment and security perceptions of potential users","author":"williams","year":"2018","journal-title":"Comput Hum Behav"},{"key":"ref52","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2015.072100"},{"key":"ref40","doi-asserted-by":"publisher","DOI":"10.1016\/j.csi.2011.05.007"},{"key":"ref4","year":"2016","journal-title":"W3C Working Group Tackles New Models for Internet Payment"},{"key":"ref3","author":"jacobs","year":"2019","journal-title":"Web payments working group"},{"key":"ref6","article-title":"Collaborative modes with cultural and creative industries and innovation performance: The moderating role of heterogeneous sources of knowledge and absorptive capacity","author":"santoro","year":"2018","journal-title":"Technovation"},{"key":"ref5","year":"2019","journal-title":"Payment Request API"},{"key":"ref8","first-page":"145","article-title":"An evolution analysis of electronic payment systems and mobile payment systems characteristics","author":"tounekti","year":"2017","journal-title":"Electronic Commerce Technologies Challenges and Future Prospects"},{"key":"ref49","author":"rogers","year":"2003","journal-title":"Diffusion of Innovations"},{"key":"ref7","first-page":"94","article-title":"Method of payment adoption in Indonesia e-commerce","volume":"12","author":"putri","year":"2019","journal-title":"Asian Journal of Technology Management"},{"key":"ref9","author":"sherwin","year":"2019","journal-title":"Alternative payment methods enable international purchases"},{"key":"ref46","doi-asserted-by":"publisher","DOI":"10.1016\/0749-5978(91)90020-T"},{"key":"ref45","doi-asserted-by":"crossref","first-page":"368","DOI":"10.1016\/j.sbspro.2016.05.390","article-title":"Intention to use mobile payment system: A case of developing market by ethnicity","volume":"224","author":"ting","year":"2016","journal-title":"Procedia - Social and Behavioral Science"},{"key":"ref48","author":"fishbein","year":"1975","journal-title":"Belief Attitude Intention and Behavior An Introduction to Theory and Research"},{"key":"ref47","doi-asserted-by":"publisher","DOI":"10.1109\/ICMeCG.2014.40"},{"key":"ref42","author":"stavins","year":"2017","journal-title":"How do consumers make their payment choices?"},{"key":"ref41","doi-asserted-by":"publisher","DOI":"10.1007\/s11408-016-0272-x"},{"key":"ref44","doi-asserted-by":"publisher","DOI":"10.1287\/mksc.17.1.4"},{"key":"ref43","doi-asserted-by":"publisher","DOI":"10.1080\/15228916.2017.1396792"},{"key":"ref73","doi-asserted-by":"publisher","DOI":"10.1016\/j.ibusrev.2009.10.001"},{"key":"ref72","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2008.015997"},{"key":"ref71","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2017.08.003"},{"key":"ref70","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2015.11.002"},{"key":"ref76","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2009.04.014"},{"key":"ref77","doi-asserted-by":"publisher","DOI":"10.1111\/j.1744-6570.2000.tb00206.x"},{"key":"ref74","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2015.07.006"},{"key":"ref75","doi-asserted-by":"publisher","DOI":"10.1002\/9780470479216.corpsy0836"},{"key":"ref78","doi-asserted-by":"publisher","DOI":"10.1080\/15252019.2010.10722168"},{"key":"ref79","doi-asserted-by":"publisher","DOI":"10.1016\/j.jretconser.2015.05.002"},{"key":"ref60","doi-asserted-by":"publisher","DOI":"10.1080\/09537325.2017.1297788"},{"key":"ref62","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.35.8.982"},{"key":"ref61","doi-asserted-by":"crossref","first-page":"489","DOI":"10.1016\/j.procs.2019.09.004","article-title":"Technological factors of mobile payment: A systematic literature review","volume":"157","author":"karsen","year":"2019","journal-title":"Procedia Comput Sci"},{"key":"ref63","doi-asserted-by":"publisher","DOI":"10.2307\/249577"},{"key":"ref64","doi-asserted-by":"publisher","DOI":"10.1016\/S0167-9236(00)00076-2"},{"key":"ref65","doi-asserted-by":"publisher","DOI":"10.1080\/07421222.2002.11045692"},{"key":"ref66","doi-asserted-by":"publisher","DOI":"10.1207\/S15327744JOCE100103"},{"key":"ref67","doi-asserted-by":"publisher","DOI":"10.17705\/1jais.00008"},{"key":"ref68","doi-asserted-by":"publisher","DOI":"10.2307\/30036519"},{"key":"ref2","doi-asserted-by":"publisher","DOI":"10.1016\/j.techfore.2014.03.005"},{"key":"ref69","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijmedinf.2013.12.002"},{"key":"ref1","author":"clement","year":"2019","journal-title":"Global retail e-commerce market size"},{"key":"ref95","doi-asserted-by":"publisher","DOI":"10.1111\/joca.12112"},{"key":"ref94","doi-asserted-by":"publisher","DOI":"10.1016\/j.jmoneco.2016.10.005"},{"key":"ref93","doi-asserted-by":"publisher","DOI":"10.1007\/s10645-007-9062-1"},{"key":"ref92","author":"paypers","year":"2019","journal-title":"Payment Methods Report 2019&#x2014;Innovations in the Way We Pay"},{"key":"ref91","doi-asserted-by":"publisher","DOI":"10.1287\/isre.14.2.189.16018"},{"key":"ref90","doi-asserted-by":"publisher","DOI":"10.1016\/j.im.2016.09.004"},{"key":"ref98","doi-asserted-by":"publisher","DOI":"10.1016\/j.cose.2018.03.007"},{"key":"ref96","doi-asserted-by":"publisher","DOI":"10.1016\/j.jretconser.2019.101910"},{"key":"ref97","author":"richter","year":"2017","journal-title":"Infographic Chrome is the number 1 browser in the world Statista Infographics"},{"key":"ref10","doi-asserted-by":"publisher","DOI":"10.1016\/j.techfore.2018.09.018"},{"key":"ref11","doi-asserted-by":"crossref","DOI":"10.1108\/IJBM-01-2019-0012","article-title":"The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems","author":"kalini?","year":"2019","journal-title":"Int J Bank Marketing"},{"key":"ref12","doi-asserted-by":"crossref","first-page":"221","DOI":"10.1016\/j.rai.2016.06.003","article-title":"Intention of adoption of mobile payment: An analysis in the light of the unified theory of acceptance and use of technology (UTAUT)","volume":"13","author":"de abrah\u00e3o","year":"2016","journal-title":"RAI Revista de Administra&#x00E7;&#x00E3;o e Inova&#x00E7;&#x00E3;o"},{"key":"ref13","first-page":"1","article-title":"A study of consumer acceptance of mobile payment services in Hong Kong","author":"wong","year":"2018","journal-title":"British Journal of Economics Management & Trade"},{"key":"ref14","doi-asserted-by":"publisher","DOI":"10.1007\/s11628-017-0336-7"},{"key":"ref15","doi-asserted-by":"publisher","DOI":"10.1108\/IMDS-08-2016-0312"},{"key":"ref16","doi-asserted-by":"publisher","DOI":"10.1080\/1331677X.2017.1305791"},{"key":"ref82","doi-asserted-by":"publisher","DOI":"10.1016\/j.cose.2004.11.001"},{"key":"ref17","doi-asserted-by":"publisher","DOI":"10.4018\/978-1-5225-2255-3.ch239"},{"key":"ref81","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2016.07.001"},{"key":"ref18","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2015.08.003"},{"key":"ref84","doi-asserted-by":"publisher","DOI":"10.1016\/j.dss.2012.10.034"},{"key":"ref19","doi-asserted-by":"publisher","DOI":"10.2307\/249008"},{"key":"ref83","doi-asserted-by":"publisher","DOI":"10.1108\/IJoEM-01-2014-0051"},{"key":"ref80","doi-asserted-by":"publisher","DOI":"10.1016\/j.chb.2019.08.017"},{"key":"ref89","doi-asserted-by":"publisher","DOI":"10.3926\/oss.37"},{"key":"ref85","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijresmar.2015.06.004"},{"key":"ref86","doi-asserted-by":"publisher","DOI":"10.1111\/coep.12163"},{"key":"ref87","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2011.06.003"},{"key":"ref88","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2018.06.013"}],"container-title":["IEEE Access"],"original-title":[],"link":[{"URL":"http:\/\/xplorestaging.ieee.org\/ielx7\/6287639\/8948470\/08939372.pdf?arnumber=8939372","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2022,1,27]],"date-time":"2022-01-27T08:59:10Z","timestamp":1643273950000},"score":1,"resource":{"primary":{"URL":"https:\/\/ieeexplore.ieee.org\/document\/8939372\/"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2020]]},"references-count":98,"URL":"https:\/\/doi.org\/10.1109\/access.2019.2961785","relation":{},"ISSN":["2169-3536"],"issn-type":[{"value":"2169-3536","type":"electronic"}],"subject":[],"published":{"date-parts":[[2020]]}}}