Abstract
This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases.References
Adhelia, S., Setiawan, H., & Fauzi, R. U. A. (2022). The Influence of Brand Image and Price on Consumer Purchase Intention with Trust as an Intervening Variable. Asia Pacific Journal of Business Economics and Technology, 2(01), 54-65.
Akhlaq, A., & Ahmed, E. (2013). The effect of motivation on trust in the acceptance of internet banking in a low income country. International Journal of Bank Marketing, 31(2), 115-125. https://doi.org/10.1108/02652321311298690
Al-Adwan, A. S., Kokash, H., Alhorani, A., & Yaseen, H. (2020). Building customer loyalty in online shopping : the role of online trust , online satisfaction and electronic word of mouth. International Journal Electronic Marketing and Retailing, 11(3), 278-306.
Al Khasawneh, M. H., Hujran, O., & Abdrabbo, T. (2018). A quantitative examination of the factors that influence users' perceptions of trust towards using M-banking services. International Journal of Internet Marketing and Advertising, 12(2), 181-207. https://doi.org/10.1504/IJIMA.2018.090957
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of M-banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99-110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
Alalwan, A. A., Rana, N. P., & Williams, M. D. (2015). Consumer adoption of Internet banking in Jordan : Examining the role of hedonic motivation , habit , self-efficacy and trust. 20(2), 145-157. https://doi.org/10.1057/fsm.2015.5
Alamanda, D. T., Wibowo, L. A., Munawar, S., & Nisa, A. K. (2021). The Interest of Technology Adoption in E-CommerceMobile Apps Using Modified Unified Theory of Acceptance and Use of Technology 2 in Indonesia. International Journal of Applied Business and International Management, 6(3), 35-45. https://doi.org/10.32535/ijabim.v6i3.1327
Alomari, M. K. (2022). M-government trust framework: deployment of an empirical study amongst Jordanian youth. Transforming Government: People, Process and Policy, 16(1), 32-50. https://doi.org/10.1108/TG-04-2020-0062
Angelia, Panjaitan, E. S., & Yunis, R. (2021). Effect of attitude on M-banking acceptance using extended UTAUT model. Jurnal Mantik, 5(2), 1006-1013.
Arahita, C. L., & Hatammimi, J. (2015). Factors Affecting the Intention to Reuse M-banking Service. 4(4).
Arcand, M., PromTep, S., Brun, I., & Rajaobelina, L. (2017). M-banking service quality and customer relationships. International Journal of Bank Marketing, 35(7), 1066-1087. https://doi.org/10.1108/IJBM-10-2015-0150
Baabdullah, A. M. (2018). Consumer adoption of Mobile Social Network Games (M-SNGs) in Saudi Arabia: The role of social influence, hedonic motivation and trust. Technology in Society, 53(2018), 91-102. https://doi.org/10.1016/j.techsoc.2018.01.004
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of M-banking (M-banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44(August 2018), 38-52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
Baptista, G., & Oliveira, T. (2015). Understanding M-banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior, 50(December 2018), 418-430. https://doi.org/10.1016/j.chb.2015.04.024
Borremans, A. D., Zaychenko, I. M., Iliashenko, O. Y., & Fargo, W. (2018). Digital economy . IT strategy of the company development Amazon. 01034, 1-13.
Chang, S. E., Liu, A. Y., & Shen, W. C. (2017). User trust in social networking services: A comparison of Facebook and LinkedIn. Computers in Human Behavior, 69, 207-217. https://doi.org/10.1016/j.chb.2016.12.013
Chiu, C. M., Hsu, M. H., Lai, H., & Chang, C. M. (2010). Exploring online repeat purchase intentions: The role of habit. PACIS 2010 - 14th Pacific Asia Conference on Information Systems, May 2015, 236-247.
Cho, D. Y., Kwon, H. J., & Lee, H. Y. (2007). Analysis of trust in Internet and mobile commerce adoption. Proceedings of the Annual Hawaii International Conference on System Sciences, 1-10. https://doi.org/10.1109/HICSS.2007.76
Cohen, J. (1988). Statistical Power Analysis for the Behavioral Sciences (2nd ed.). New Jersey: Lawrence Erlbaum Associates.
Damghanian, H., Zarei, A., Ali, M., & Kojuri, S. (2016). Impact of Perceived Security on Trust , Perceived Risk , and Acceptance of Online Banking in Iran. Journal of Internet Commerce, 15(3), 214-238. https://doi.org/10.1080/15332861.2016.1191052
Eneizan, B., Mohammed, A. G., & Alnoor, A. (2019). Customer acceptance of mobile marketing in Jordan : An extended UTAUT2 model with trust and risk factors. 11, 1-10. https://doi.org/10.1177/1847979019889484
Falk, R. ., & Miller, N. . (1992). A Primer for Soft Modeling. University of Akron Press, Akron.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. 27(1), 51-90.
Gharaibeh, M. K., & Mohd Arshad, M. R. (2018). Determinants of intention to use M-banking in the North of Jordan: Extending UTAUT2 with mass media and trust. Journal of Engineering and Applied Sciences, 13(8), 2023-2033. https://doi.org/10.3923/jeasci.2018.2023.2033
Ghobakhloo, M., & Fathi, M. (2019). Modeling the Success of Application-Based. Economies, 7(114), 1-21.
Ginantra, N. L. W. S. R., Simarmata, J., Purba, R. A., Tojiri, M. Y., Duwila, A. A., Siregar, M. N. H., Nainggolan, L. E., Marit, E. L., Sudirman, A., & Siswanti, I. (2020). Teknologi Finansial: Sistem Finansial Berbasis Teknologi di Era Digital (A. Rikki (ed.)). Yayasan Kita Menulis.
Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to M-banking. Expert Systems with Applications, 36(9), 11605-11616. https://doi.org/10.1016/j.eswa.2009.03.024
Gu, Z., Wei, J., & Xu, F. (2015). An empirical study on factors influencing consumers' initial trust in wearable commerce. Journal of Computer Information Systems, 56(1), 79-85. https://doi.org/10.1080/08874417.2015.11645804
Gumussoy, C. A. (2016). Factors affecting users' decision to continue using M-banking in Turkey. International Journal of Mobile Communications, 14(4), 411-430. https://doi.org/10.1504/IJMC.2016.077341
Hair, J. ., Hult, G. T. ., Ringle, C. ., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Sage Publications Inc., Thousand Oaks, CA.
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), 2-24. https://doi.org/https://doi.org/10.1108/EBR-11-2018-0203
Huang, E. Y., Lin, S., & Fan, Y. (2015). Electronic Commerce Research and Applications M-S-QUAL : Mobile service quality measurement. ELECTRONIC COMMERCE RESEARCH AND APPLICATIONS, January. https://doi.org/10.1016/j.elerap.2015.01.003
Indrawati, I., & Putri, M. D. (2018). Analyzing Factors Influencing Continuance Intention of E-Payment Adoption Using Modified UTAUT 2 Model. May. https://doi.org/10.1109/ICoICT.2018.8528748
Ivanova, A., & KIM, J. Y. (2022). Acceptance and Use of M-banking in Central Asia: Evidence from Modified UTAUT Model. Journal of Asian Finance, Economics and Business, 9(2), 217-227. https://doi.org/10.13106/jafeb.2022.vol9.no2.0217
Jurayevich, M. B., & Bulturbayevich, M. B. (2020). THE IMPACT OF THE DIGITAL ECONOMY ON ECONOMIC. 01(01), 4-7.
Kang, H., Lee, M. J., & Lee, J. K. (2012). Are You Still with Us? A Study of the Post-Adoption Determinants of Sustained Use of MobilE-Banking Services. Journal of Organizational Computing and Electronic Commerce, 22(2), 132-159. https://doi.org/10.1080/10919392.2012.667710
Khalilzadeh, J., Ozturk, A. B., & Bilgihan, A. (2017). Security-related factors in extended UTAUT model for NFC based mobile payment in the restaurant industry. Computers in Human Behavior, 70(2017), 460-474. https://doi.org/10.1016/j.chb.2017.01.001
Khan, I. U., Hameed, Z., Khan, S. U., & Beijing, T. (2017). Understanding Online Banking Adoption in a Developing Country : UTAUT2 with Cultural Moderators. 25(1), 43-65. https://doi.org/10.4018/JGIM.2017010103
Khan, M. R., & Chaipoopirutana, S. (2020). Factors Influencing Users' Behavioral Intention to Reuse Mobile Financial Services in Bangladesh. GATR Journal of Management and Marketing Review, 5(3), 155-169. https://doi.org/10.35609/jmmr.2020.5.3(4)
Kim, J., Hong, S., Min, J., & Lee, H. (2011). Expert Systems with Applications Antecedents of application service continuance : A synthesis of satisfaction and trust. Expert Systems With Applications, 38(8), 9530-9542. https://doi.org/10.1016/j.eswa.2011.01.142
Kock, N. (2014). Advanced Mediating Effects Tests, Multi-Group Analyses, and Measurement Model Assessments in PLS-Based SEM. International Journal of E-Collaboration, 10(1), 1-13. https://doi.org/10.4018/ijec.2014010101
Kock, N. (2020). WarpPLS 7.0 user manual. 141.
Kwateng, K. O., Afo, K., Atiemo, O., & Appiah, C. (2018). Acceptance and use of M-banking : an application of UTAUT2. https://doi.org/10.1108/JEIM-03-2018-0055
Lafraxo, Y., Hadri, F., Amhal, H., & Rossafi, A. (2019). The Effect of Trust , Perceived Risk and Security on the Adoption of M-banking in Morocco. Iceis 2018, 497-502. https://doi.org/10.5220/0006675604970502
Lee, J. (2014). Dual Effect of Price in E-CommerceEnvironment: Focusing on Trust and Distrust Building Processes. Asia Pacific Journal of Information Systems, 24(3), 393-415. https://doi.org/10.14329/apjis.2014.24.3.393
Liao, C., Palvia, P., & Lin, H. . (2006). The Roles of Habit and Web Site Quality in E-Commerce. 26(6), 469-483.
Lin, H. F. (2011). An empirical investigation of M-banking adoption: The effect of innovation attributes and knowledge-based trust. International Journal of Information Management, 31(3), 252-260. https://doi.org/10.1016/j.ijinfomgt.2010.07.006
Lin, Z., & Theingi, H. (2019). EXTENDED UTAUT2 MODEL ON FACTORS INFLUENCING OF MOBILE COMMERCE ACCEPTANCE IN YANGON , MYANMAR. AU-GBS e-JOURNAL, 12(2), 3-18.
Ling, K. C., Chai, L. T., & Piew, T. H. (2010). The Effects of Shopping Orientations, Online Trust and Prior Online Purchase Experience toward Customers' Online Purchase Intention. International Business Research, 3(3), 63. https://doi.org/10.5539/ibr.v3n3p63
Loureiro, S. M. C., Cavallero, L., & Miranda, F. J. (2018). Fashion brands on retail websites: Customer performance expectancy and e-word-of-mouth. Journal of Retailing and Consumer Services, 41(December 2017), 131-141. https://doi.org/10.1016/j.jretconser.2017.12.005
Malaquias, R. F., & Hwang, Y. (2016). An empirical study on trust in M-banking: A developing country perspective. Computers in Human Behavior, 54, 453-461. https://doi.org/10.1016/j.chb.2015.08.039
Maroofi, F., Kahrarian, F., & Dehghani, M. (2013). An Investigation of Initial Trust in M-banking. 3(9), 394-403.
Marpaung, F. K., Dewi, R. S., Grace, E., Sudirman, A., & Sugiat, M. (2021). Behavioral Stimulus for Using Bank Mestika M-banking Services: UTAUT2 Model Perspective. Golden Ratio of Marketing and Applied Psychology of Business, 1(2), 61-72. https://doi.org/10.52970/grmapb.v1i2.68
Masrek, M. N., Halim, M. S. A., Khan, A., & Ramli, I. (2018). The impact of perceived credibility and perceived quality on trust and satisfaction in M-banking context. Asian Economic and Financial Review, 8(7), 1013-1025. https://doi.org/10.18488/journal.aefr.2018.87.1013.1025
Masri, M. El, & Tarhini, A. (2017). Factors affecting the adoption of e-learning systems in Qatar and USA : Extending the Unified Theory of Acceptance and Use of Technology 2 ( UTAUT2 ). Educational Technology Research and Development, 65(3), 743-763.
Merhi, M., Hone, K., & Tarhini, A. (2019). Technology in Society A cross-cultural study of the intention to use M-banking between Lebanese and British consumers : Extending UTAUT2 with security , privacy and trust. Technology in Society, 59(June), 101151. https://doi.org/10.1016/j.techsoc.2019.101151
Mikalef, P., Pateli, A., & Giannakos, M. (2013). Why are users of social media inclined to Word-of-Mouth? IFIP Advances in Information and Communication Technology, 399, 112-123. https://doi.org/10.1007/978-3-642-37437-1_10
Morawczynski, O., & Miscione, G. (2008). Examining trust in M-banking transactions: The case of M-PESA in Kenya. IFIP International Federation for Information Processing, 282, 287-298. https://doi.org/10.1007/978-0-387-84822-8_19
Mostafa, A. A. N., & Eneizan, B. (2018). Factors Affecting Acceptance of M-banking in Developing Countries Factors Affecting Acceptance of M-banking in Developing Countries. 8(1), 340-351. https://doi.org/10.6007/IJARBSS/v8-i1/3812
Mufingatun, M., Prijanto, B., Dutt, H., Faculty, V., Islamia, J. M., & Nagar, J. (2020). (Bisnis dan Manajemen). 12(2), 88-106. https://doi.org/10.26740/bisma.v12n2.p88-106
Mullan, J., Bradley, L., & Loane, S. (2017). International Journal of Bank Marketing.
Mustaqim, A. (2018). THE 1 ST INTERNATIONAL CONFERENCE. Proceeding The 1st International Conference on Islamic Guidance and Counseling, 235-242.
Namahoot, K. S., & Jantasri, V. (2022). Integration of UTAUT model in Thailand cashless payment system adoption: the mediating role of perceived risk and trust. Journal of Science and Technology Policy Management. https://doi.org/10.1108/JSTPM-07-2020-0102
Nguyen, T. T., Nguyen, H. T., Mai, H. T., & Minh, T. T. (2020). Asian Economic and Financial Review DETERMINANTS OF DIGITAL BANKING SERVICES IN VIETNAM : APPLYING UTAUT2 MODEL Keyword s 2 . OVERVIEW OF DIGITAL BANKING SYSTEM IN VIETNAM. 10(6), 680-697. https://doi.org/10.18488/journal.aefr.2020.106.680.697
Nurastuti, W. (2011). Teknologi Perbankan. Yogyakarta: Graha Ilmu.
Obal, M. (2017). Industrial Marketing Management What drives post-adoption usage ? Investigating the negative and positive antecedents of disruptive technology continuous adoption intentions. Industrial Marketing Management. https://doi.org/10.1016/j.indmarman.2017.01.003
Ofori, K. S., Boateng, H., Okoe, A. F., & Gvozdanovic, I. (2017). Examining customers' continuance intentions towards internet banking usage. Marketing Intelligence and Planning, 35(6), 756-773. https://doi.org/10.1108/MIP-11-2016-0214
Olaleye, S. A., Agjei, R. O., Kolog, E. A., & Budu, J. (2019). Effect of Gratification, Utilitarian, and Trust Elements on the Use of Retail M-banking App in Africa: A Comparative Study. IEEE AFRICON Conference, 2019-Septe. https://doi.org/10.1109/AFRICON46755.2019.9133874
Pal, A., Herath, T., De', R., & Rao, H. R. (2020). Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India. Information Technology for Development, 26(2), 394-420. https://doi.org/10.1080/02681102.2019.1701969
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54(February), 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144
Puriwat, W., & Tripopsakul, S. (2017). M-banking Adoption in Thailand : An Integration of Technology Acceptance Model and Mobile Service Quality. XX(4), 200-210.
Puspitosari, R., & Hidayat, A. (2020). Determinants of M-banking Adoption Behavior in Sub-Urban Areas. 3(10), 59-71.
Rabaa'i, A. A., & ALMaati, S. A. (2021). Exploring the Determinants of Users' Continuance Intention to Use M-banking Services in Kuwait: Extending the Expectation-Confirmation Model. Asia Pacific Journal of Information Systems, 31(2), 141-184. https://doi.org/10.14329/apjis.2021.31.2.141
Rachadika, I. K., & Nasution, M. I. P. (2020). Pemanfaatan Internet Terhadap Perkembangan Industri. 02, 34-48.
Rahmani, Z., Tahvildari, A., Honarmand, H., Yousefi, H., & Daghighi, M. S. (2012). The definition of M-banking ( M-banking ). 2(5), 37-40.
Ramos, F. L., Ferreira, J. B., De Freitas, A. S., & Rodrigues, J. W. (2018). The effect of trust in the intention to use m-banking. Brazilian Business Review, 15(2), 175-191. https://doi.org/10.15728/bbr.2018.15.2.5
Salimon, M. G., Mokthar, S. S. M., Yusoff, R. Z., Adeleke, A. Q., Morakiny, S., & Mushi, H. M. (2017). Facilitating conditions and perceived security as antecedents of trust among E-Banking customers in Nigeria. International Journal of Economic Research, 14(19), 265-276.
Salimon, M. G., Yusoff, R. Z., & Mohd Mokhtar, S. S. (2015). The influence of E-Satisfaction, E-Trust and Hedonic Motivation on the Adoption of E-Banking and Its Determinants in Nigeria: A Pilot Study. Mediterranean Journal of Social Sciences, 7(1), 54-63. https://doi.org/10.5901/mjss.2016.v7n1p54
Santo, P. E., & Marques, A. M. A. (2022). Determinants of the online purchase intention: hedonic motivations, prices, information and trust. Baltic Journal of Management, 17(1), 56-71. https://doi.org/10.1108/BJM-04-2021-0140
Saparudin, M., Rahayu, A., Hurriyati, R., & Sultan, M. A. (2020). Exploring the Role of Trust in MobilE-Banking Use by Indonesian Customer Using Unified Theory of Acceptance and Usage Technology. 11(2), 51-60. https://doi.org/10.5430/ijfr.v11n2p51
Sekaran, U., & Bougie, R. (2016). Research Methods For Business: A Skill Building Approach. John Wiley & Sons.
Shao, Z., Zhang, L., Li, X., & Guo, Y. (2018). Antecedents of trust and continuance intention in mobile payment platforms: The moderating effect of gender. Electronic Commerce Research and Applications. https://doi.org/10.1016/j.elerap.2018.100823
Sharif, A., & Raza, S. A. (2017). The influence of hedonic motivation, self-efficacy, trust and habit on adoption of internet banking: A case of developing country. International Journal of Electronic Customer Relationship Management, 11(1), 1-22. https://doi.org/10.1504/IJECRM.2017.086750
Shin, D. (2010). MVNO services : Policy implications for promoting MVNO diffusion. Telecommunications Policy, 34(10), 616-632. https://doi.org/10.1016/j.telpol.2010.07.001
Sholihin, M., & Ratmono, D. (2021). Analisis SEM-PLS dengan WarpPLS 7.0 : untuk hubungan nonlinier dalam penelitian sosial dan bisnis (C. Mitak (ed.); 1st ed.). Yogyakarta: Andi.
Sihite, J., Harun, T. W., & Nugroho, A. (2015). The Low Cost Airline Consumer Price Sensitivity . An Investigation on The Mediating Role of Promotion and Trust in Brand. 7(3), 199-211.
Skvarciany, V., & Jureviciene, D. (2017). Factors Influencing Customer Trust in M-banking: Case of Latvia. Economics and Culture, 14(2), 69-76. https://doi.org/10.1515/jec-2017-0019
Suhaily, L., & Darmoyo, S. (2017). Effect of product quality, perceived price and brand image on purchase decision mediated by customer trust (study on japanese brand electronic product). Jurnal Manajemen, 21(2), 179-194. https://doi.org/10.24912/jm.v21i2.230
Susanto, A., Chang, Y., Ha, Y., Susanto, A., Chang, Y., Ha, Y., Management, I., & Systems, D. (2016). Industrial Management & Data Systems Article information :
Thusi, P., & Maduku, D. K. (2020). South African millennials' acceptance and use of retail M-banking apps: An integrated perspective. Computers in Human Behavior, 111(July 2019). https://doi.org/10.1016/j.chb.2020.106405
Tun, P. M. (2020). Factors Influencing Intention to Reuse M-banking Services for the Private Banking Sector in Myanmar. August. https://doi.org/10.14456/ajmi.2020.5
Tunay, K. B., Tunay, N., & Nklvdu, D. V. (2015). Interaction Between Internet Banking and Bank Performance : The Case of Europe. 195, 363-368. https://doi.org/10.1016/j.sbspro.2015.06.335
Vebiana, V. (2018). Perbankan Digital , Pengalaman Pelanggan , dan Kinerja Keuangan Bank Syariah. 9th Industrial Research Workshop and National Seminar, 747-751.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Management Information Systems Research Center, University of Minnesota. MIS Quarterly, 36(1), 157-178.
Ventre, I., & Kolbe, D. (2020). The Impact of Perceived Usefulness of Online Reviews, Trust and Perceived Risk on Online Purchase Intention in Emerging Markets: A Mexican Perspective. Journal of International Consumer Marketing, 32(4), 287-299. https://doi.org/10.1080/08961530.2020.1712293
Yi, Y., & La, S. (2003). The moderating role of confidence in expectations and the asymmetric influence of disconfirmation on customer satisfaction. Service Industries Journal, 23(5), 20-47. https://doi.org/10.1080/02642060308565622
Yusmad, M. A. (2018). Aspek Hukum Perbankan Syariah Dari Teori Ke Praktik. Yogyakarta: Deepublish.
Zhang, T., Tao, D., Qu, X., Zhang, X., Zeng, J., Zhu, H., & Zhu, H. (2020). Automated vehicle acceptance in China: Social influence and initial trust are key determinants. Transportation Research Part C: Emerging Technologies, 112(January), 220-233. https://doi.org/10.1016/j.trc.2020.01.027
Zhang, Y., Chen, X., Liu, X., & Zhu, N. (2018). Exploring trust transfer between internet enterprises and their affiliated internet-only banks: An adoption study of internet-only banks in China. Chinese Management Studies, 12(1), 56-78. https://doi.org/10.1108/CMS-06-2017-0148
Zolait, A. H., Isa, S. M., Ali, H. M., & Sundram, V. P. K. (2018). Men vs. Women: Study of online shopping habits and factors influencing buying decisions in Bahrain. International Journal of E-Services and Mobile Applications, 10(4), 61-73. https://doi.org/10.4018/IJESMA.2018100104
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.