{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,12]],"date-time":"2026-04-12T13:37:06Z","timestamp":1776001026454,"version":"3.50.1"},"reference-count":90,"publisher":"MDPI AG","issue":"21","license":[{"start":{"date-parts":[[2024,11,4]],"date-time":"2024-11-04T00:00:00Z","timestamp":1730678400000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Sustainability"],"abstract":"<jats:p>The consumer profile has undergone evolutions and transformations over the years due to the evolution of new generations of individuals, such as Generation Y. Social media has revolutionized the way in which consumers can search and find information about products in general, which has impacted how brands relate to their consumers. In this context, this study tries to understand how digital influencers are being used to influence Generation Y in the consumption of banking services from fintechs in Brazil via social media platforms. The specific objectives include profiling these consumers, identifying the most relevant influencers, and measuring the impact of influencer marketing. The results pointed to Generation Y\u2019s preference for mobile applications and personal recommendations when making decisions to purchase financial products. Fintechs stood out for the agility and autonomy they offered, as well as for being on the forefront in leading practices, innovations, and product offerings that drive sustainability forward. The study concluded that digital influencers play a crucial role in the awareness phase, but additional factors influence Millennial consumption decisions, highlighting the complexity of the decision process.<\/jats:p>","DOI":"10.3390\/su16219604","type":"journal-article","created":{"date-parts":[[2024,11,5]],"date-time":"2024-11-05T08:25:14Z","timestamp":1730795114000},"page":"9604","update-policy":"https:\/\/doi.org\/10.3390\/mdpi_crossmark_policy","source":"Crossref","is-referenced-by-count":9,"title":["The Influence of Digital Influencers on Generation Y\u2019s Adoption of Fintech Banking Services in Brazil"],"prefix":"10.3390","volume":"16","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-2545-0617","authenticated-orcid":false,"given":"Ant\u00f3nio","family":"Cardoso","sequence":"first","affiliation":[{"name":"Department of Business and Communication Sciences, University Fernando Pessoa, 4294-004 Porto, Portugal"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-6238-181X","authenticated-orcid":false,"given":"Manuel Sousa","family":"Pereira","sequence":"additional","affiliation":[{"name":"Escola Superior de Ci\u00eancias Empresariais, Instituto Polit\u00e9cnico de Viana do Castelo, 4930-600 Valen\u00e7a, Portugal"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-1805-3691","authenticated-orcid":false,"given":"Am\u00e2ndio","family":"Silva","sequence":"additional","affiliation":[{"name":"Instituto Superior de Contabilidade e Administra\u00e7\u00e3o de Aveiro, Universidade de Aveiro, 3810-193 Aveiro, Portugal"}]},{"ORCID":"https:\/\/orcid.org\/0009-0005-8759-1441","authenticated-orcid":false,"given":"Andr\u00e9","family":"Souza","sequence":"additional","affiliation":[{"name":"Department of Business and Communication Sciences, University Fernando Pessoa, 4294-004 Porto, Portugal"}]},{"given":"Isabel","family":"Oliveira","sequence":"additional","affiliation":[{"name":"Faculty of Economic and Business Sciences, Lus\u00edada University, 4100-348 Porto, Portugal"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9544-7117","authenticated-orcid":false,"given":"Jorge","family":"Figueiredo","sequence":"additional","affiliation":[{"name":"Faculty of Economic and Business Sciences, Lus\u00edada University, 4100-348 Porto, Portugal"}]}],"member":"1968","published-online":{"date-parts":[[2024,11,4]]},"reference":[{"key":"ref_1","unstructured":"Heinrich B\u00f6ll Stiftung (2024, October 20). Sustainable Finance Explained: Concepts, Advantages, and Practical Implementations. Available online: https:\/\/il.boell.org\/en\/2024\/03\/09\/sustainable-finance-explained-concepts-advantages-and-practical-implementations#:~:text=Sustainable%20finance%20plays%20a%20pivotal,and%20fostering%20inclusive%20economic%20development."},{"key":"ref_2","unstructured":"Thompsett, L. (2024, October 20). Top 10: Sustainable Fintech Trends. Available online: https:\/\/fintechmagazine.com\/articles\/top-10-sustainable-fintech-trends."},{"key":"ref_3","doi-asserted-by":"crossref","first-page":"220","DOI":"10.1080\/07421222.2018.1440766","article-title":"On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services","volume":"35","author":"Gomber","year":"2018","journal-title":"J. Manag. Inf. Syst."},{"key":"ref_4","unstructured":"Engel, J.F., Blackwell, R.D., and Miniard, P.W. (1993). Consumer Behavior, The Dryden Press."},{"key":"ref_5","unstructured":"Oliveira, S. (2016). Generations: Encounters, Disagreements and New Perspectives, Integrare Editora."},{"key":"ref_6","doi-asserted-by":"crossref","first-page":"2197699","DOI":"10.1080\/23322039.2023.2197699","article-title":"Examining the factors influencing fintech adoption behavior of gen Y in India","volume":"11","author":"Aggarwal","year":"2023","journal-title":"Cogent Econ. Financ."},{"key":"ref_7","first-page":"453","article-title":"Evaluating the Influence of YouTube Advertising on Consumers\u2019 Brand Attitude and Purchase Intention","volume":"22","author":"Dehghani","year":"2016","journal-title":"J. Mark. Commun."},{"key":"ref_8","first-page":"43","article-title":"Millennials and Digital Banking: A Case for an Ethical Framework","volume":"5","author":"Akinbami","year":"2019","journal-title":"Financ. Innov. J."},{"key":"ref_9","doi-asserted-by":"crossref","first-page":"58","DOI":"10.1080\/15252019.2018.1533501","article-title":"Influencer Marketing: How Message Value and Credibility Affect Consumer Trust of Branded Content on Social Media","volume":"19","author":"Lou","year":"2019","journal-title":"J. Interact. Advert."},{"key":"ref_10","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","author":"Davis","year":"1989","journal-title":"MIS Q."},{"key":"ref_11","first-page":"78","article-title":"New Blood","volume":"103","author":"Davis","year":"2014","journal-title":"HSM Manag."},{"key":"ref_12","doi-asserted-by":"crossref","unstructured":"Cardoso, A., Pereira, M., S\u00e1, J., Powell, D., Faria, S., and Magalh\u00e3es, M. (2024). Digital Culture, Knowledge, and Commitment to Digital Transformation and Its Impact on the Competitiveness of Portuguese Organizations. Adm. Sci., 14.","DOI":"10.3390\/admsci14010008"},{"key":"ref_13","doi-asserted-by":"crossref","first-page":"79","DOI":"10.1007\/s11747-019-00695-1","article-title":"The future of social media in marketing","volume":"48","author":"Appel","year":"2020","journal-title":"J. Acad. Mark. Sci."},{"key":"ref_14","doi-asserted-by":"crossref","first-page":"10","DOI":"10.1016\/j.jretconser.2018.02.003","article-title":"Social media use by young Latin American consumers: An exploration","volume":"43","author":"Bailey","year":"2018","journal-title":"J. Retail. Consum. Serv."},{"key":"ref_15","unstructured":"Ramos, F. (2024, September 22). Accessing The Determinants of Behavioral Intention to Adopt Fintech Services among the Millennial Generation. Work Project Presented as Part of the Requirements for the Award of a Master\u2019s Degree in Management from the Faculdade de Economia da Universidade Nova de Lisboa. Available online: https:\/\/run.unl.pt\/bitstream\/10362\/23218\/1\/Ramos.F_2017.pdf."},{"key":"ref_16","doi-asserted-by":"crossref","unstructured":"Kotler, P., Kartajaya, H., and Setiawan, I. (2010). Marketing 3.0: The Forces Defining the New Human-Centered Marketing, Elsevier.","DOI":"10.1002\/9781118257883"},{"key":"ref_17","unstructured":"Kotler, P., Kartajaya, H., and Setiawan, I. (2017). Marketing 4.0: Do Tradicional Ao Digital, Sextante."},{"key":"ref_18","first-page":"135","article-title":"The Influence of Social Media in the Adoption of Fintech Services in Brazil: A Study on Digital Influencers","volume":"12","author":"Coutinho","year":"2021","journal-title":"Braz. J. Mark."},{"key":"ref_19","unstructured":"Galassi, A. (2024, September 22). Millenials: A Instabuy Detalha Esse Novo Consumidor. Available online: https:\/\/www.instabuy.com.br\/post\/millennials."},{"key":"ref_20","doi-asserted-by":"crossref","unstructured":"Kumar, J., and Rani, V. (2024). Financial innovation and gender dynamics: A comparative study of male and female FinTech adoption in emerging economies. Int. J. Account. Inf. Manag.","DOI":"10.1108\/IJAIM-03-2024-0098"},{"key":"ref_21","first-page":"149","article-title":"Determinants of the adoption of innovative fintech services by millennials","volume":"24","author":"Solarz","year":"2021","journal-title":"EM Econ. Manag."},{"key":"ref_22","doi-asserted-by":"crossref","first-page":"360","DOI":"10.1016\/j.ijinfomgt.2016.01.001","article-title":"Predicting positive user responses to social media advertising: The roles of emotional appeal, informativeness, and creativity","volume":"36","author":"Lee","year":"2016","journal-title":"Int. J. Inf. Manag."},{"key":"ref_23","doi-asserted-by":"crossref","first-page":"383","DOI":"10.1177\/1470593116640598","article-title":"Social labour: Exploring work in consumption","volume":"16","author":"Anderson","year":"2016","journal-title":"Mark. Theory"},{"key":"ref_24","doi-asserted-by":"crossref","first-page":"101774","DOI":"10.1016\/j.jretconser.2019.03.001","article-title":"Social media marketing: Who is watching the watchers?","volume":"53","author":"Jacobson","year":"2020","journal-title":"J. Retail. Consum. Serv."},{"key":"ref_25","doi-asserted-by":"crossref","unstructured":"Pereira, M.J.d.S., Cardoso, A., Canavarro, A., Figueiredo, J., and Garcia, J.E. (2023). Digital Influencers\u2019 Attributes and Perceived Characterizations and Their Impact on Purchase Intentions. Sustainability, 15.","DOI":"10.3390\/su151712750"},{"key":"ref_26","doi-asserted-by":"crossref","unstructured":"Canuto, K.J., Aguiar, E.C., and Policarpo, M.C. (2018). The role of social commerce in consumer behavioral intentions. J. Perspect. Manag., 2.","DOI":"10.51359\/2594-8040.2018.239311"},{"key":"ref_27","unstructured":"Lisbon, A. (2024, August 28). Facebook Again Shows User Growth in 2022. Available online: https:\/\/canaltech.com.br\/apps\/facebook-volta-a-apresentar-crescimento-de-usuarios-em-2022-215101\/."},{"key":"ref_28","unstructured":"Wang, C., Gu, M., Wang, X., Ong, P., Luo, Q., and Li, Y. (2021, January 21\u201322). Research on the challenge of the new short video platform TikTok on the traditional internet social media Facebook. Proceedings of the 2nd International Conference on the Frontiers of Innovative Economics and Management (FIEM 2021), Suzhou, China."},{"key":"ref_29","first-page":"1","article-title":"Millennials overtake baby boomers as America\u2019s largest Generation","volume":"25","author":"Fry","year":"2020","journal-title":"Pew Res. Cent."},{"key":"ref_30","unstructured":"Oike, V. (2024, October 07). Generations in Brazil. Available online: https:\/\/restateinsight.com\/posts\/general-posts\/2024-05-Generations-brazil\/."},{"key":"ref_31","unstructured":"Bresulin, L. (2017). Interactions of Digital Influencers, Followers and Partner Companies in the Fashion Sector: Multi-Case Study in the State of Paran\u00e1 (Brazil). [Master\u2019s Thesis, Universidade Tecnol\u00f3gica Federal do Paran\u00e1]."},{"key":"ref_32","unstructured":"Pereira, C.S.G. (2017). Digital Influencers and the Behavior of Followers on Instagram: An Exploratory Study. [Master\u2019s Thesis, Polytechnic Institute of Porto]."},{"key":"ref_33","unstructured":"Nicoletti, B. (2017). The Future of Fintech: Integrating Finance and Technology in Financial Services, Palgrave Macmillan."},{"key":"ref_34","unstructured":"Pissara, F. (2022). Influencer Profession: How to be Successful on and off the Internet, Harper Collins Brasil."},{"key":"ref_35","unstructured":"Mendola, M. (2024, October 07). Blogging in the Fashion Industry: A Descriptive Study of the Use of the Two-Step Flow Communications Theory by the Professional and Citizen Bloggers to Become Opinion Leaders. Available online: https:\/\/digitalcommons.calpoly.edu\/joursp\/78\/."},{"key":"ref_36","doi-asserted-by":"crossref","first-page":"972","DOI":"10.1002\/mar.21036","article-title":"Sense and sensibility in personalized e-commerce. How emotions rebalance the purchase intentions of persuaded customers","volume":"34","author":"Pappas","year":"2017","journal-title":"Psychol. Mark."},{"key":"ref_37","doi-asserted-by":"crossref","first-page":"34","DOI":"10.1016\/j.ins.2015.01.034","article-title":"Identifying effective influencers based on trust for electronic word-of-mouth marketing: A domain-aware approach","volume":"306","author":"Liu","year":"2015","journal-title":"Inf. Sci."},{"key":"ref_38","first-page":"236","article-title":"How are social media changing traditional Chinese family businesses?","volume":"94","author":"Liu","year":"2019","journal-title":"J. Bus. Res."},{"key":"ref_39","doi-asserted-by":"crossref","unstructured":"Kumar, J., and Rani, V. (2024). Investigating the dynamics of FinTech adoption: An empirical study from the perspective of mobile banking. J. Econ. Adm. Sci.","DOI":"10.1108\/JEAS-12-2023-0334"},{"key":"ref_40","unstructured":"LexLatin (2024, February 06). Artificial Intelligence and Fintechs: Lose Your Fear of Innovating. Available online: https:\/\/br.lexlatin.com\/opiniao\/inteligencia-artificial-e-fintechs-perca-o-medo-de-inovar."},{"key":"ref_41","first-page":"551","article-title":"How Digital Influencers Shape Consumer Behavior: Evidence from Social Media Marketing","volume":"56","author":"Ansari","year":"2019","journal-title":"J. Mark. Res."},{"key":"ref_42","unstructured":"District Report (2023, August 24). District Fintech Report. Available online: https:\/\/distrito.docsend.com\/view\/r87x9kwaq3ckpncf."},{"key":"ref_43","first-page":"60","article-title":"The Impact of Digital Influencers on Fintech Adoption Among Generation Y Consumers in Brazil","volume":"26","author":"Martins","year":"2021","journal-title":"J. Financ. Serv. Mark."},{"key":"ref_44","unstructured":"Ehrenberg, K.C., and Galindo, D.S. (2022, September 01). Os Jovens Consumidores Conectados e o Mobile Marketing, Available online: https:\/\/www.ipea.gov.br\/panam\/pdf\/GT2_Art5_Karla.pdf."},{"key":"ref_45","unstructured":"Marques, F.P. (2018). Nubank: O mercado de Fintechs no Brasil. Faculdade de Administra\u00e7\u00e3o e Ci\u00eancias Cont\u00e1beis, UFF."},{"key":"ref_46","unstructured":"Casarotto, C. (2022, August 31). O que \u00e9 o Marketing 5.0 (segundo Philip Kotler) e Qual \u00e9 a sua Import\u00e2ncia?. Available online: https:\/\/rockcontent.com\/br\/blog\/marketing-5-0\/."},{"key":"ref_47","unstructured":"Rogers, E. (2003). Diffusion of Innovations, Free Press. [5th ed.]."},{"key":"ref_48","unstructured":"Politi, C. (2022, June 17). Marketing de Influ\u00eancia: O Que \u00e9 e Por Que as Marcas Apostam Nessa Tend\u00eancia. Comunique-se. Available online: https:\/\/www.comunique-se.com.br\/blog\/o-que-e-marketing-de-influencia\/."},{"key":"ref_49","unstructured":"Vieira, E. (2023, March 20). Influenciadores, a Fronteira Final Da Publicidade. Meio & Mensagem. Available online: https:\/\/www.meioemensagem.com.br\/home\/opiniao\/2016\/05\/24\/influenciadores-a-fronteira-final-da-publicidade.html."},{"key":"ref_50","doi-asserted-by":"crossref","first-page":"138","DOI":"10.1080\/15252019.2017.1366885","article-title":"Disclosing Instagram Influencer Advertising: The Effects of Disclosure Language on Advertising Recognition, Attitudes, and Behavioral Intent","volume":"17","author":"Evans","year":"2017","journal-title":"J. Interact. Advert."},{"key":"ref_51","doi-asserted-by":"crossref","first-page":"1675","DOI":"10.1108\/MD-09-2019-1318","article-title":"What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model","volume":"58","author":"Singh","year":"2020","journal-title":"Manag. Decis."},{"key":"ref_52","doi-asserted-by":"crossref","first-page":"113","DOI":"10.1504\/IJTMKT.2024.135674","article-title":"Integrating TTF and UTAUT models to illuminate factors that influence consumers\u2019 intentions to adopt financial technologies in an emerging country context","volume":"18","author":"Ojiaku","year":"2024","journal-title":"Int. J. Technol. Mark."},{"key":"ref_53","first-page":"37","article-title":"Financial Inclusion through FinTech Innovation: Predicting User Acceptance of Digital Wallet. The Batuk","volume":"9","author":"Shrestha","year":"2023","journal-title":"J. Interdiscip. Stud."},{"key":"ref_54","doi-asserted-by":"crossref","first-page":"100273","DOI":"10.1016\/j.joitmc.2024.100273","article-title":"Determinants of fintech adoption in agrarian economy: Study of utaut extension model in reference to developing economies","volume":"10","author":"Sharma","year":"2024","journal-title":"J. Open Innov. Technol. Mark. Complex."},{"key":"ref_55","doi-asserted-by":"crossref","first-page":"21","DOI":"10.3390\/fintech2010002","article-title":"Factors Affecting Fintech Adoption: A Systematic Literature Review","volume":"2","author":"Firmansyah","year":"2023","journal-title":"FinTech"},{"key":"ref_56","doi-asserted-by":"crossref","unstructured":"Amnas, M.B., Selvam, M., Raja, M., Santhoshkumar, S., and Parayitam, S. (2023). Understanding the Determinants of FinTech Adoption: Integrating UTAUT2 with Trust Theoretic Model. J. Risk Financ. Manag., 16.","DOI":"10.3390\/jrfm16120505"},{"key":"ref_57","doi-asserted-by":"crossref","first-page":"425","DOI":"10.2307\/30036540","article-title":"User acceptance of information technology: Toward a unified view","volume":"27","author":"Venkatesh","year":"2003","journal-title":"MIS Q."},{"key":"ref_58","doi-asserted-by":"crossref","unstructured":"Cardoso, A., and Cardoso, M. (2024). Bank Reputation and Trust: Impact on Client Satisfaction and Loyalty for Portuguese Clients. J. Risk Financ. Manag., 17.","DOI":"10.3390\/jrfm17070277"},{"key":"ref_59","unstructured":"Bandura, A. (1977). Social Learning Theory, Prentice Hall."},{"key":"ref_60","doi-asserted-by":"crossref","first-page":"25","DOI":"10.18089\/tms.20240203","article-title":"How digital influencer contents and characteristics influence Generation Y persuasiveness and purchase intention","volume":"20","author":"Rodrigues","year":"2024","journal-title":"Tour. Manag. Stud."},{"key":"ref_61","first-page":"95","article-title":"Adoption of digital payment FinTech service by Gen Y and Gen Z users: Evidence from India","volume":"26","author":"Srivastava","year":"2023","journal-title":"Digit. Policy Regul. Gov."},{"key":"ref_62","doi-asserted-by":"crossref","unstructured":"Krupa, D., and Buszko, M. (2023). Age-dependent differences in using FinTech products and services\u2014Young customers versus other adults. PLoS ONE, 18.","DOI":"10.1371\/journal.pone.0293470"},{"key":"ref_63","unstructured":"Uzun, A. (2024, October 07). How Are Millennials Shaping the Fintech Landscape?. Available online: https:\/\/www.aniluzun.com\/how-are-millennials-shaping-the-fintech-landscape."},{"key":"ref_64","doi-asserted-by":"crossref","first-page":"1","DOI":"10.4018\/IJEBR.317889","article-title":"Social media usage: A comparison between Generation Y and Generation Z in India","volume":"19","author":"Mude","year":"2023","journal-title":"Int. J. E-Bus. Res."},{"key":"ref_65","first-page":"27","article-title":"Determinants of the use of financial technology (fintech) in Generation Y","volume":"26","author":"Phimolsathien","year":"2021","journal-title":"Utop\u00eda Y Prax. Latinoam."},{"key":"ref_66","first-page":"197","article-title":"Adoption of Mobile Banking Services: An Empirical Examination between Gen Y and Gen Z in Thailand","volume":"9","author":"Ruangkanjanases","year":"2017","journal-title":"J. Telecommun. Electron. Comput. Eng. (JTEC)"},{"key":"ref_67","doi-asserted-by":"crossref","unstructured":"Safitri, Y., Luthfia, A., and Ramadanty, S. (2021, January 9). Social Media Influencer Credibility and Social Influence on Intention to Use Fintech in Indonesia. Proceedings of the 2nd International Conference on Interdisciplinary Arts & Humanities (ICONARTIES), Yogyakarta, Indonesia. Available online: https:\/\/ssrn.com\/abstract=3800662.","DOI":"10.2139\/ssrn.3800662"},{"key":"ref_68","unstructured":"Werzbitzki, J.B. (2024, September 02). How New Consumer Behaviors Influence Social Networks. Ecommerce Brazil. Available online: https:\/\/www.ecommercebrasil.com.br\/artigos\/como-os-novos-comportamentos-de-consumo-influenciam-nas-redes-sociais."},{"key":"ref_69","doi-asserted-by":"crossref","first-page":"90","DOI":"10.1016\/j.pubrev.2010.11.001","article-title":"Who are the social media influencers? A study of public perceptions of personality","volume":"37","author":"Freberg","year":"2011","journal-title":"Public Relat. Rev."},{"key":"ref_70","first-page":"1","article-title":"Exploring the impact of social media influencers on consumers\u2019 purchase intentions","volume":"50","author":"Djafarova","year":"2019","journal-title":"J. Retail. Consum. Serv."},{"key":"ref_71","doi-asserted-by":"crossref","first-page":"76","DOI":"10.1016\/j.ijinfomgt.2012.07.003","article-title":"To be or not to be in social media: How brand loyalty is affected by social media?","volume":"33","author":"Laroche","year":"2013","journal-title":"Int. J. Inf. Manag."},{"key":"ref_72","unstructured":"Ribeiro, T. (2024, September 14). Baby Boomers, Generation X, Generation Y, Generation Z and Generation Alpha. Available online: https:\/\/www.inspirequalidade.com.br\/os-baby-boomers-a-geracao-x-geracao-y-geracao-z-e-geracao-alpha\/."},{"key":"ref_73","doi-asserted-by":"crossref","first-page":"24","DOI":"10.2307\/256727","article-title":"Affect-And Cognition-Based Trust as Foundations for Interpersonal Cooperation in Organizations","volume":"38","author":"McAllister","year":"1995","journal-title":"Acad. Manag. J."},{"key":"ref_74","doi-asserted-by":"crossref","first-page":"60","DOI":"10.1177\/109467050141006","article-title":"The measurement of word-of-mouth communication and an investigation of service quality and customer commitment as potential antecedents","volume":"4","year":"2001","journal-title":"J. Serv. Res."},{"key":"ref_75","doi-asserted-by":"crossref","first-page":"2","DOI":"10.1177\/002224298805200302","article-title":"Consumer perception of price, quality, and value: A means-end model and synthesis of evidence","volume":"52","author":"Zeithaml","year":"1988","journal-title":"J. Mark."},{"key":"ref_76","doi-asserted-by":"crossref","first-page":"203","DOI":"10.1016\/S0022-4359(01)00041-0","article-title":"Consumer perceived value: The development of a multiple item scale","volume":"77","author":"Sweeney","year":"2001","journal-title":"J. Retail."},{"key":"ref_77","doi-asserted-by":"crossref","first-page":"179","DOI":"10.1016\/0749-5978(91)90020-T","article-title":"The theory of planned behavior","volume":"50","author":"Ajzen","year":"1991","journal-title":"Organ. Behav. Hum. Decis. Process."},{"key":"ref_78","doi-asserted-by":"crossref","first-page":"186","DOI":"10.1287\/mnsc.46.2.186.11926","article-title":"A theoretical extension of the technology acceptance model: Four longitudinal field studies","volume":"46","author":"Venkatesh","year":"2000","journal-title":"Manag. Sci."},{"key":"ref_79","unstructured":"Wickham, H., Fran\u00e7ois, R., Henry, L., M\u00fcller, K., and Vaughan, D. (2024, September 22). Dplyr: A Grammar of Data Manipulation. In Computer Software Manual. Available online: https:\/\/dplyr.tidyverse.org\/."},{"key":"ref_80","first-page":"1","article-title":"Package \u201cggplot2\u201d","volume":"2","author":"Wickham","year":"2016","journal-title":"Creat. Elegant Data Vis. Using Gramm. Graph."},{"key":"ref_81","doi-asserted-by":"crossref","first-page":"1686","DOI":"10.21105\/joss.01686","article-title":"Welcome to the Tidyverse","volume":"4","author":"Wickham","year":"2019","journal-title":"J. Open Source Softw."},{"key":"ref_82","unstructured":"Benoit, K., and Nulty, P. (2022, November 09). Quanteda: Quantitative Analysis of Textual Data (Version 0.9) [R package]. Available online: http:\/\/quanteda.io\/."},{"key":"ref_83","unstructured":"(2015). RStudio: Integrated Development for R, RStudio, Inc.. Available online: http:\/\/www.rstudio.com."},{"key":"ref_84","unstructured":"Tan, P., Steinbach, M., and Kumar, V. (2024, October 20). Introduction to Data Mining. Available online: https:\/\/www.ceom.ou.edu\/media\/docs\/upload\/Pang-Ning_Tan_Michael_Steinbach_Vipin_Kumar_-_Introduction_to_Data_Mining-Pe_NRDK4fi.pdf."},{"key":"ref_85","unstructured":"Smith, A.N., and Kidder, D.L. (2010). You\u2019ve Got Influence: The Surprising Truth About Influencer Marketing, Paramount Market Publishing."},{"key":"ref_86","first-page":"1","article-title":"Mobile Banking Usage in College Students: An Extension of the Technology Acceptance Model","volume":"6","author":"Brown","year":"2018","journal-title":"Int. J. Econ. Commer. Manag."},{"key":"ref_87","first-page":"303","article-title":"A Conceptualization of Fintech and Its Impact on Financial Inclusion","volume":"16","author":"Molla","year":"2018","journal-title":"Inf. Syst. e-Bus. Manag."},{"key":"ref_88","doi-asserted-by":"crossref","first-page":"181","DOI":"10.1080\/00913367.2013.827606","article-title":"Following celebrities\u2019 tweets about brands: The impact of Twitter-based electronic word-of-mouth on consumers\u2019 source credibility perception, buying intention, and social identification with celebrities","volume":"43","author":"Jin","year":"2014","journal-title":"J. Advert."},{"key":"ref_89","unstructured":"Lincoln, J. (2016). Digital Influencer: A Guide to Achieving Influencer Status Online, CreateSpace Independent Publishing Platform. [1st ed.]."},{"key":"ref_90","doi-asserted-by":"crossref","first-page":"149","DOI":"10.1016\/j.intmar.2013.12.002","article-title":"Consumer Brand Engagement in Social Media: Conceptualization, Scale Development and Validation","volume":"28","author":"Hollebeek","year":"2014","journal-title":"J. Interact. Mark."}],"container-title":["Sustainability"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.mdpi.com\/2071-1050\/16\/21\/9604\/pdf","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,10,10]],"date-time":"2025-10-10T16:26:15Z","timestamp":1760113575000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.mdpi.com\/2071-1050\/16\/21\/9604"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2024,11,4]]},"references-count":90,"journal-issue":{"issue":"21","published-online":{"date-parts":[[2024,11]]}},"alternative-id":["su16219604"],"URL":"https:\/\/doi.org\/10.3390\/su16219604","relation":{},"ISSN":["2071-1050"],"issn-type":[{"value":"2071-1050","type":"electronic"}],"subject":[],"published":{"date-parts":[[2024,11,4]]}}}