References

Ab Hamid and Cheng, 2013 Ab Hamid, N. R. , & Cheng, A. Y. (2013). A risk perception analysis on the use of electronic payment systems by young adult. WSEAS Transactions on Information Science and Applications, 10(1), 26–35.

Abdullah et al., 2020 Abdullah, N. , Redzuan, F. , & Daud, N. A. (2020). E-wallet: Factors influencing user acceptance towards cashless society in Malaysia among public universities. Indonesian Journal of Electrical Engineering and Computer Science, 20(1), 67–74. https://doi.org/10.11591/ijeecs.v20.i1.pp67-74

Adeoti et al., 2012 Adeoti, O. O. , Osotimehm, K. O. , & Olajide, O. T. (2012). Consumer payment pattern and motivational factors for using debit card in Nigeria. International Business Management, 6(3), 352–355. https://doi.org/10.3923/ibm.2012.352.355

Aduba, 2021 Aduba, J. J. (2021). On the determinants, gains and challenges of electronic banking adoption in Nigeria. International Journal of Social Economics, 48(7), 1021–1043. https://doi.org/10.1108/IJSE-07-2020-0452

Agarwal and Prasad, 1998 Agarwal, R. , & Prasad, J. (1998). A conceptual and operational definition of personal innovativeness in the domain of information technology. Information Systems Research, 9(2), 204–215. https://doi.org/10.1287/isre.9.2.204

Aggarwal and Manmohan, 2017 Aggarwal, A. , & Manmohan, R. (2017). Impact of perceived usability and perceived information quality on Indian consumer purchase intentions in online shopping: Implication of TAM and S-O-R theory. International Journal of Technology Transfer and Commercialisation, 15(2), 160–183. https://doi.org/10.1504/ijttc.2017.10008568

Aggarwal and Rahul, 2018 Aggarwal, A. , & Rahul, M. (2018). The effect of perceived security on consumer purchase intensions in electronic commerce. International Journal of Public Sector Performance Management, 4(1), 1–20.

Ahn et al., 2007 Ahn, T. , Ryu, S. , & Han, I. (2007). The impact of web quality and playfulness on user acceptance of online retailing. Information and Management, 44(3), 263–275. https://doi.org/10.1016/j.im.2006.12.008

Ailemen et al., 2018 Ailemen, I. O. , Enobong, A. , Osuma, G. O. , Evbuomwan, G. , & Ndigwe, C. (2018). Electronic banking and cashless policy in Nigeria. International Journal of Civil Engineering & Technology, 9(10), 718–731.

Aizstrauta et al., 2015 Aizstrauta, D. , Ginters, E. , & Eroles, M. P. (2015). Applying theory of diffusion of innovations to evaluate technology acceptance and sustainability. Procedia Computer Science, 43, 69–77. https://doi.org/10.1016/j.procs.2014.12.010

Ajibade and Mutula, 2020 Ajibade, P. , & Mutula, S. M. (2020). Big data, 4IR and electronic banking and banking systems applications in South Africa and Nigeria. Banks and Bank Systems, 15(2), 187–199. https://doi.org/10.21511/bbs.15

Al-ababneh, 2020 Al-Ababneh, M. M. (2020). Linking ontology, epistemology and research methodology. Science and Philosophy, 8(1), 75–91. https://doi.org/10.23756/sp.v8i1.500

Al-Adwan et al., 2019 Al-Adwan, A. S. , Alrousan, M. , Al-Soud, A. , & Al-Yaseen, H. (2019). Revealing the black box of shifting from electronic commerce to mobile commerce: The case of Jordan. Journal of Theoretical and Applied Electronic Commerce Research, 14(1), 51–67. https://doi.org/10.4067/S0718-18762019000100105

Al-Dmour et al., 2021a Al-Dmour, A. , Al-Dmour, H. , Al-Barghuthi, R. , Al-Dmour, R. , & Alshurideh, M. T. (2021a). Factors influencing the adoption of e-payment during pandemic outbreak (COVID-19): Empirical evidence. Studies in Systems, Decision and Control, 334, 133–154. https://doi.org/10.1007/978-3-030-67151-8_8

Al-Dmour et al., 2021b Al-Dmour, A. , Al-Dmour, H. H. , Brghuthi, R. , & Al-Dmour, R. (2021b). Factors influencing consumer intentions to adopt e-payment systems: Empirical study. International Journal of Customer Relationship Marketing and Management, 12(2), 80–99. https://doi.org/10.4018/IJCRMM.2021040105

Al-Jabri and Sohail, 2012 Al-Jabri, I. M. , & Sohail, M. S. (2012). Mobile banking adoption: Application of diffusion of innovation theory. Journal of Electronic Commerce Research, 13(4), 379–391.

Al-okaily et al., 2020 Al-okaily, M. , Lutfi, A. , Alsaad, A. , Taamneh, A. , & Alsyouf, A. (2020). The determinants of digital payment systems’ acceptance under cultural orientation differences: The case of uncertainty avoidance. Technology in Society, 63.

Al-Qawasmi et al., 2020 Al-Qawasmi, K. , Al-Mousa, M. , & Yousef, M. (2020). Proposed e-payment process model to enhance quality of service through maintaining the trust of availability. International Journal of Emerging Trends in Engineering Research, 8(6), 2296–2300. https://doi.org/10.30534/ijeter/2020/16862020

Alabdan and Sulphey, 2020 Alabdan, R. , & Sulphey, M. M. (2020). Understanding proximity mobile payment acceptance among Saudi individuals: An exploratory study. International Journal of Advanced Computer Science and Applications, 11(4), 264–270. https://doi.org/10.14569/ijacsa.2020.0110436

Alaeddin et al., 2018 Alaeddin, O. , Rana, A. , Zainudin, Z. , & Kamarudin, F. (2018). From physical to digital: Investigating consumer behaviour of switching to mobile wallet. Polish Journal of Management Studies, 17(2), 18–30. https://doi.org/10.17512/pjms.2018.17.2.02

Ali et al., 2020 Ali, O. , Ally, M. , Clutterbuck , & Dwivedi, Y. (2020). The state of play of blockchain technology in the financial services sector: A systematic literature review. International Journal of Information Management, 54(August 2019), 102199. https://doi.org/10.1016/j.ijinfomgt.2020.102199

Alkhowaiter, 2020 Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in gulf countries: A systematic literature review. International Journal of Information Management, 53. https://doi.org/10.1016/j.ijinfomgt.2020.102102

Alshurideh et al., 2021 Alshurideh, M. T. , Al Kurdi, B. , Masa’deh, R. , & Salloum, S. A. (2021). The moderation effect of gender on accepting electronic payment technology: A study on United Arab Emirates consumers. Review of International Business and Strategy. https://doi.org/10.1108/RIBS-08-2020-0102

Anderson et al., 2018 Anderson, D. M. , Strand, A. , & Collins, J. M. (2018). The impact of electronic payments for vulnerable consumers: Evidence from social security. Journal of Consumer Affairs, 52(1), 35–60. https://doi.org/10.1111/joca.12140

Anjali and Suresh, 2019 Anjali, R. , & Suresh, A. (2019). A study on customer satisfaction of Bharat Interface for Money (BHIM). International Journal of Innovative Technology and Exploring Engineering, 8(6), 266–273.

Anjum and Chai, 2020 Anjum, S. , & Chai, J. (2020). Drivers of cash-on-delivery method of payment in e-commerce shopping: Evidence from Pakistan. Sage Open, 10(3). https://doi.org/10.1177/2158244020917392

Arango-Arango et al., 2018 Arango-Arango, C. A. , Bouhdaoui, Y. , Bounie, D. , Eschelbach, M. , & Hernandez, L. (2018). Cash remains top-of-wallet! International evidence from payment diaries. Economic Modelling, 69, 38–48. https://doi.org/10.1016/j.econmod.2017.09.002

Arango et al., 2015 Arango, C. A. , Hogg, D. , & Lee, A. (2015). Why is cash (still) so entrenched? Insights from Canadian shopping diaries. Contemporary Economic Policy, 33(1), 141–158. https://doi.org/10.1111/coep.12066

Arvidsson, 2014 Arvidsson, N. (2014). Consumer attitudes on mobile payment services – Results from a proof of concept test. International Journal of Bank Marketing, 32(2), 150–170. https://doi.org/10.1108/IJBM-05-2013-0048

Azmi et al., 2016 Azmi, A. , Ang, Y. D. , & Talib, S. A. (2016). Trust and justice in the adoption of a welfare e-payment system. Transforming Government: People, Process and Policy, 10(3), 391–410. https://doi.org/10.1108/TG-09-2015-0037

Babin et al., 2008 Babin, B. J. , Hair, J. F. , & Boles, J. S. (2008). Publishing research in marketing journals using structural equation modeling. Journal of Marketing Theory and Practice, 16(4), 279–286. https://doi.org/10.2753/MTP1069-6679160401

Bagla and Sancheti, 2018 Bagla, R. K. , & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: Challenge for sustainability. The Journal of Management Development, 37(6), 442–451. https://doi.org/10.1108/JMD-04-2017-0144

Bahoo et al., 2020a Bahoo, S. , Alon, I. , & Paltrinieri, A. (2020a). Corruption in international business: A review and research agenda. International Business Review, 29(4), 101660. https://doi.org/10.1016/j.ibusrev.2019.101660

Bahoo et al., 2020b Bahoo, S. , Alon, I. , & Paltrinieri, A. (2020b). Sovereign wealth funds: Past, present and future. International Review of Financial Analysis, 67(December 2018), 101418. https://doi.org/10.1016/j.irfa.2019.101418

Barkhordari et al., 2017 Barkhordari, M. , Nourollah, Z. , Mashayekhi, H. , Mashayekhi, Y. , & Ahangar, M. S. (2017). Factors influencing adoption of e-payment systems: An empirical study on Iranian customers. Information Systems and e-Business Management, 15(1), 89–116. https://doi.org/10.1007/s10257-016-0311-1

Beck et al., 2016 Beck, T. , Chen, T. , Lin, C. , & Song, F. M. (2016). Financial innovation: The bright and the dark sides. Journal of Banking & Finance, 72, 28–51.

Belá s et al., 2016 Belás, J. , Korauš, M. , Kombo, F. , & Korauš, A. (2016). Electronic banking security and customer satisfaction in commercial banks. Journal of Security and Sustainability Issues, 5(3), 411–422. https://doi.org/10.9770/jssi.2016.5.3(9)

Bharati and Chaudhury, 2004 Bharati, P. , & Chaudhury, A. (2004). An empirical investigation of decision-making satisfaction in web-based decision support systems. Decision Support Systems, 37(2). https://www.sciencedirect.com/science/article/pii/S016792360300006X

Bhatia and Jain, 2013 Bhatia, L. , & Jain, B. (2013). Card bases payment mode – An accounting perspective: A comparison between credit card and debit card payment systems in India. International Journal of Managerial and Financial Accounting, 5(1), 33–44. https://doi.org/10.1504/IJMFA.2013.052408

Brown et al., 2003 Brown, I. , Cajee, Z. , Davies, D. , & Stroebel, S. (2003). Cell phone banking: Predictors of adoption in South Africa – An exploratory study. International Journal of Information Management, 23(5), 381–394. https://doi.org/10.1016/S0268-4012(03)00065-3

Camera et al., 2016 Camera, G. , Casari, M. , & Bortolotti, S. (2016). An experiment on retail payments systems. Journal of Money, Credit, and Banking, 48(2–3), 363–392. https://doi.org/10.1111/jmcb.12303

Census-of-India, 2011 Census-of-India . (2011). Report on youth in India. http://mospi.nic.in/sites/default/files/publication_reports/Youth_in_India-2017.pdf

Chaiyasoonthorn and Suksangiam, 2019 Chaiyasoonthorn, W. , & Suksangiam, W. (2019). The diffusion and adoption of electronic payment systems in Bangkok. International Journal of E-Business Research, 15(2), 102–115. https://doi.org/10.4018/IJEBR.2019040106

Chang et al., 2019 Chang, Y. , Wong, S. F. , Libaque-Saenz, C. F. , & Lee, H. (2019). E-commerce sustainability: The case of Pinduoduo in China. Sustainability, 11(15), 1–23. https://doi.org/10.3390/su11154053

Charter, 1999 Charter, R. A. (1999). Sample size requirements for precise estimates of reliability, generalizability, and validity coefficients. Journal of Clinical and Experimental Neuropsychology, 21(4), 559–566. https://doi.org/10.1076/jcen.21.4.559.889

Chawla and Joshi, 2019 Chawla, D. , & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256

Chemingui and Ben lallouna, 2013 Chemingui, H. , & Ben lallouna, H. (2013). Resistance, motivations, trust and intention to use mobile financial services. International Journal of Bank Marketing, 31(7), 574–592. https://doi.org/10.1108/IJBM-12-2012-0124

Chin and Ahmad, 2015a Chin, L. P. , & Ahmad, Z. A. (2015a). Perceived enjoyment and Malaysian consumers' intention to use a single platform e-payment. SHS Web of Conferences, 01009(1–10). https://doi.org/10.1051/shsconf/20151801009

Chin and Ahmad, 2015b Chin, L. P. , & Ahmad, Z. A. (2015b). Consumers' intention to use a single platform e-payment system: A study among Malaysian internet and mobile banking users. Journal of Internet Banking and Commerce, 20(1).

Clark and Watson, 2016 Clark, L. A. , & Watson, D. (2016). Constructing validity: Basic issues in objective scale development. In E. Kazdin (Ed.), Methodological issues and strategies in clinical research (4th ed., pp. 187–203). American Psychological Association. https://doi.org/10.1037/14805-012

Comrey and Lee, 1992 Comrey, A. L. , & Lee, H. B. (1992). Interpretation and application of factor analytic results. In A first course in factor analysis (p. 2).

Cooper et al., 2019 Cooper, D. R. , Schindler, P. S. , & Sharma, J. K. (2019). Business research methods (12th ed.). McGraw Hill Education.

Cristobal et al., 2007 Cristobal, E. , Flavián, C. , & Guinalíu, M. (2007). Perceived e-service quality (PeSQ): Measurement validation and effects on consumer satisfaction and web site loyalty. Managing Service Quality, 17(3), 317–340. https://doi.org/10.1108/09604520710744326

Cronbach, 1951 Cronbach, L. J. (1951). Coefficient alpha and the internal structure of tests. Psychometrika, 16(3), 297–334.

Cui et al., 2020 Cui, Y. , Mou, J. , Cohen, J. , Liu, Y. , & Kurcz, K. (2020). Understanding consumer intentions toward cross-border m-commerce usage: A psychological distance and commitment-trust perspective. Electronic Commerce Research and Applications, 39(May 2019), 100920. https://doi.org/10.1016/j.elerap.2019.100920

Dahlberg et al., 2008 Dahlberg, T. , Mallat, N. , Ondrus, J. , & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165–181. https://doi.org/10.1016/j.elerap.2007.02.001

Delen and Ram, 2018 Delen, D. , & Ram, S. (2018). Research challenges and opportunities in business analytics. Journal of Business Analytics, 1(1), 2–12. https://doi.org/10.1080/2573234X.2018.1507324

Department-of-Economic-and-Social-Affair-United-Nations, 2015 Department-of-Economic-and-Social-Affair-United-Nations . (2015). Sustainable development goals. Department of Economic and Social Affairs. https://sdgs.un.org/goals

Dessel, 2013 Dessel, G. V. (2013). How to determine population and survey sample size. CheckMarket: Market Research. https://www.checkmarket.com/blog/how-to-estimate-your-population-and-survey-sample-size/

Dibra, 2015 Dibra, M. (2015). Rogers theory on diffusion of innovation – The most appropriate theoretical model in the study of factors influencing the integration of sustainability in tourism businesses. Procedia – Social and Behavioral Sciences, 195, 1453–1462. https://doi.org/10.1016/j.sbspro.2015.06.443

Diep, 2021 Diep, L. T. B. (2021). Retention using electronic payment systems: An empirical study of consumer's perspective in Vietnam. Journal of Physics: Conference Series, 1793(1). https://doi.org/10.1088/1742-6596/1793/1/012040

Diez-Martin et al., 2019 Diez-Martin, F. , Blanco-Gonzalez, A. , & Prado-Roman, C. (2019). Research challenges in digital marketing: Sustainability. Sustainability, 11(10). https://doi.org/10.3390/su11102839

Dos Santos and Harvold Kvangraven, 2017 Dos Santos, P. L. , & Harvold Kvangraven, I. (2017). Better than cash, but beware the costs: Electronic payments systems and financial inclusion in developing economies. Development and Change, 48(2), 205–227. https://doi.org/10.1111/dech.12296

Dudin et al., 2018 Dudin, M. N. , Zasko, V. N. , Frolova, E. E. , Pavlova, N. G. , & Rusakova, E. P. (2018). Mitigation of cyber risks in the field of electronic payments: Organizational and legal measures. Journal of Advanced Research in Law and Economics, 9(1), 78–88. https://doi.org/10.14505/jarle.v9.1(31).11

Ekramifard et al., 2020 Ekramifard, A. , Amintoosi, H. , Seno, A. H. , Dehghantanha, A. , & Parizi, R. M. (2020). A systematic literature review of integration of blockchain and artificial intelligence. In Advances in information security (Vol. 79, pp. 147–160). Springer. https://doi.org/10.1007/978-3-030-38181-3_8

Everit, 1975 Everit, B. B. S. (1975). Multivariate analysis: The need for data, and other problems. The British Journal of Psychiatry, 126(3), 237–241. https://doi.org/10.1192/bjp.126.3.237

Featherman and Pavlou, 2003 Featherman, M. S. , & Pavlou, P. A. (2003). Predicting e-services adoption: A perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3

Field, 2013 Field, A. (2013). Discovering statistics using IBM SPSS statistics (4th ed.). SAGE.

Fink, 2005 Fink, A. (2005). Conducting research literature reviews: From the internet to paper (2nd ed.). SAGE Publications.

Fung and Lee, 1999 Fung, R. K. K. , & Lee, M. K. O. (1999). EC-trust: Exploring the antecedent factors. In Fifth Americas Conference on Information Systems (pp. 517–519). https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1536&context=amcis1999

Gan et al., 2016 Gan, C. E. C. , Cohen, D. A. , Hu, B. , Tran, M. C. , Dong, W. , & Wang, A. (2016). The relationship between credit card attributes and the demographic characteristics of card users in China. International Journal of Bank Marketing, 34(7), 966–984. https://doi.org/10.1108/IJBM-09-2015-0133

Gao and Waechter, 2017 Gao, L. , & Waechter, K. A. (2017). Examining the role of initial trust in user adoption of mobile payment services: An empirical investigation. Information Systems Frontiers, 19(3), 525–548. https://doi.org/10.1007/s10796-015-9611-0

Ghobakhloo and Fathi, 2019 Ghobakhloo, M. , & Fathi, M. (2019). Modeling the success of application-based mobile banking. Economies, 7(4), 1–21. https://doi.org/10.3390/economies7040114

Goel, 2018 Goel, S. (2018). The big bath of demonetization in India: Strike on black money for corporate governance. Journal of Money Laundering Control, 21(4), 594–600.

Goel et al., 2019 Goel, R. , Sahai, S. , Vinaik, A. , & Garg, V. (2019). Moving from cash to cashless economy: A study of consumer perception towards digital transactions. International Journal of Recent Technology and Engineering, 8(1), 1220–1226.

Goldlberg and Digman, 1994 Goldlberg, L. R. , & Digman, J. M. (1994). Revealing structure in the data: Principles of exploratory factor analysis. In S. Strack & M. Lorr (Eds.), Differentiating normal and abnormal personality (pp. 216–242). Springer Publishing Company.

Gordon and Natrajan, 2019 Gordon, E. , & Natrajan, K. (2019). Financial markets and services (11th ed.). Himalaya Publishing House.

Gorsuch, 1997 Gorsuch, R. L. (1997). Exploratory factor analysis: Its role in item analysis. Journal of Personality Assessment, 68(3), 532–560. https://doi.org/10.1207/s15327752jpa6803_5

Government-of-India, 2016 Government-of-India . (2016). Government of India, ministry of finance: Economic division. Promotion of digital payments through cards and digital means. https://dea.gov.in/sites/default/files/Promo_PaymentsMeans_Card_Digital_0.pdf

Greenwood and Smith, 1997 Greenwood, J. , & Smith, B. D. (1997). Financial markets in development, and the development of financial markets. Journal of Economic Dynamics and Control, 21(1), 145–181. https://doi.org/10.1016/0165-1889(95)00928-0

Gupta and Asha, 2020 Gupta, D. , & Asha . (2020). A study on awareness towards digital payments among people of Haryana. International Journal of Advanced Science and Technology, 29(2), 3766–3777.

Hair et al., 2010 Hair, J. F. , William, J. , Babin, B. J. , & Anderson, R. E. (2010). Multivariate data analysis (7th ed.). Pearson New International Edition.

Hancock and Mueller, 2013 Hancock, G. R. , & Mueller, R. O. (Eds.). (2013). Structural equation modeling: A second course (2nd ed.). Information Age Publishing, Inc.

Hä rdle and Simar, 2007 Härdle, W. , & Simar, L. (2007). Applied multivariate statistical analysis. Springer.

Hasan et al., 2019 Hasan, M. M. , Nekmahmud, M. , Yajuan, L. , & Patwary, M. A. (2019). Green business value chain: A systematic review. Sustainable Production and Consumption, 20, 326–339. https://doi.org/10.1016/j.spc.2019.08.003

Hasniawati et al., 2020 Hasniawati, N. A. , Lase, E. R. , & Hutabarat, A. R. (2020). Indonesian household payment choice: A nested logit analysis. Journal of Central Banking Theory and Practice, 291–313. https://doi.org/10.2478/jcbtp-2020-0032

Hedman et al., 2017 Hedman, J. , Tan, F. B. , Holst, J. , & Kjeldsen, M. (2017). Taxonomy of payments: A repertory grid analysis. International Journal of Bank Marketing, 35(1), 75–96. https://doi.org/10.1108/IJBM-12-2015-0187

Hidayanto et al., 2015 Hidayanto, A. N. , Hidayat, L. S. , Sandhyaduhita, P. I. , & Handayani, P. W. (2015). Examining the relationship of payment system characteristics and behavioural intention in e-payment adoption: A case of Indonesia. International Journal of Business Information Systems, 19(1), 58–86. https://doi.org/10.1504/IJBIS.2015.069065

Hinkin et al., 1997 Hinkin, T. R. , Tracey, J. B. , & Enz, C. A. (1997). Scale construction: Developing reliable and valid measurement instruments. Journal of Hospitality & Tourism Research, 21(1), 100–120. https://doi.org/10.1177/109634809702100108

Hofmann et al., 2020 Hofmann, E. , Brunner, J. H. , & Holschbach, E. (2020). Research in business service purchasing: Current status and directions for the future. Management Review Quarterly, 70(3), 421–460. https://doi.org/10.1007/s11301-019-00172-7

Hollway, 2008 Hollway, W. (2008). The importance of relational thinking in the practice of psycho-social research: Ontology, epistemology, methodology and ethics. In S. Clarke , P. Hoggett , & H. Hahn (Eds.), Object relations and social relations: The implications of the relational turn in psychoanalysis. Exploring psyco-social studies (pp. 137–162). Karnac.

Ho and See-To, 2010 Ho, K. K. W. , & See-To, E. W. K. (2010). An exploratory study on the impact of trust on different e-payment gateways: Octopus card vs. credit card. In Pacific Asia Conference on information systems 2010 proceedings (p. 42).

Hosmer, 1995 Hosmer, L. (1995). Trust: The connecting link between organizational theory and philosophical ethics. Academy of Management Review, 20(2), 379–403.

Ibrahim et al., 2019 Ibrahim, M. H. , Hussin, S. R. , & Hussin, S. H. (2019). Factors influencing Malaysian consumers' intention to use quick response (QR) mobile payment. Jurnal Pengurusan, 57.

Ilankumaran and Selvi, 2019 Ilankumaran, G. , & Selvi, V. D. (2019). Customer purview of cashless payment system in the digital economy of India. International Journal of Innovative Technology and Exploring Engineering, 8(8S3), 87–93.

Izhar et al., 2011 Izhar, A. , Khan, A. , Khiyal, S. H. M. , Javed, W. , & Baig, S. (2011). Designing and implementation of electronic payment gateway for developing countries. Journal of Theoretical and Applied Information Technology, 26(2), 84–90. https://doi.org/10.13140/2.1.2270.7847

Jaeger and Halliday, 1998 Jaeger, R. G. , & Halliday, T. R. (1998). On confirmatory versus exploratory research. Herpetologists’ League, 54(Supplement), 64–66.

Jain et al., 2021 Jain, D. , Dash, M. K. , & Thakur, K. S. (2021). Development of research agenda on demonetization based on bibliometric visualization. International Journal of Emerging Markets. https://doi.org/10.1108/IJOEM-12-2019-1085

Jain et al., 2020 Jain, D. , Thakur, K. S. , & Dash, M. K. (2020). Demonetization move in India: A conceptual study. Journal of Money Laundering Control, 23(4), 863–869. https://doi.org/10.1108/JMLC-12-2019-0100

Jain et al., 2021 Jain, D. , Thakur, K. S. , & Dash, M. K. (2021). Identification and validation of sustainability factors towards financial innovation: With special reference to E-payment system in Indian market. Jiwaji University, Gwalior (Unpublished Thesis).

Jiaxin Zhang et al., 2019 Jiaxin Zhang, J. , Luximon, Y. , & Song, Y. (2019). The role of consumers' perceived security, perceived control, interface design features, and conscientiousness in continuous use of mobile payment services. Sustainability, 11(23). https://doi.org/10.3390/su11236843

Johnson and Wichern, 1992 Johnson, R. A. , & Wichern, D. W. (1992). Applied multivariate statistical analysis (Vol. 4). Prentice Hall Englewood Cliffs.

Joseph et al., 2018 Joseph, J. , Sriram, K. V. , Rodrigues, L. L. R. , Mathew, A. O. , & Gana, K. C. (2018). An empirical study on customer adoption of mobile payment application in India. International Journal of Enterprise Network Management, 9(3–4), 363–375. https://doi.org/10.1504/IJENM.2018.094675

Joubert and Belle, 2013 Joubert, J. , & Belle, J. P. V. (2013). The role of trust and risk in mobile commerce adoption within South Africa. International Journal of Business, Humanities and Technology, 3(2), 27–38.

Kalinic and Marinkovic, 2016 Kalinic, Z. , & Marinkovic, V. (2016). Determinants of users' intention to adopt m-commerce: An empirical analysis. Information Systems and e-Business Management, 14(2), 367–387. https://doi.org/10.1007/s10257-015-0287-2

Kandpal et al., 2019 Kandpal, V. , Mehrotra, R. , & Gupta, S. (2019). A study of post-demonetization impact of limited-cash retailing in Uttarakhand, India. Humanities and Social Sciences Reviews, 7(5), 1007–1020. https://doi.org/10.18510/hssr.2019.75134

Kang et al., 2014 Kang, S. , Hur, W. M. , & Son, M. (2014). The moderating role of socio-demographics on smartphone adoption. International Journal of Mobile Communications, 12(5), 532–550. https://doi.org/10.1504/IJMC.2014.064597

Kang et al., 2012 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 & Electronic Commerce, 22(2), 132–159. https://doi.org/10.1080/10919392.2012.667710

Kaur and Kaur, 2013 Kaur, K. , & Kaur, M. (2013). Differentiating adopters and non-adopters of smart cards: Comparative analysis of public, private and foreign sector banks in India. Vikalpa, 38(3), 67–78. https://doi.org/10.1177/0256090920130305

Kavitha and Kannan, 2020 Kavitha, K. , & Kannan, D. (2020). Factors influencing consumers attitude towards mobile payment applications. International Journal of Management, 11(4), 140–150. https://doi.org/10.34218/IJM.11.4.2020.015

Kerä nen et al., 2012 Keränen, J. , Piirainen, K. A. , & Salminen, R. T. (2012). Systematic review on B2B branding: Research issues and avenues for future research. The Journal of Product and Brand Management, 21(6), 404–417. https://doi.org/10.1108/10610421211264892

Khurana et al., 2019 Khurana, S. , Kaur, B. , & Singh, J. (2019). The impact of demographic factors on satisfaction of users for various digital payment methods. International Journal of Innovative Technology and Exploring Engineering, 8(9 Special Issue), 900–905. https://doi.org/10.35940/ijitee.I1145.0789S19

Kim, 2020 Kim, S. S. (2020). Purchase intention in the online open market: Do concerns for e-commerce really matter? Sustainability, 12(3). https://doi.org/10.3390/su12030773

Kim et al., 2009a Kim, J. , Jin, B. , & Swinney, J. L. (2009). The role of etail quality, e-satisfaction and e-trust in online loyalty development process. Journal of Retailing and Consumer Services, 16(4), 239–247. https://doi.org/10.1016/j.jretconser.2008.11.019

Kim et al., 2009b Kim, J. H. , Kim, M. , & Kandampully, J. (2009). Buying environment characteristics in the context of e-service. European Journal of Marketing, 43(9), 1188–1204. https://doi.org/10.1108/03090560910976438

Kim et al., 2009c Kim, G. , Shin, B. , & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283–311. https://doi.org/10.1111/j.1365-2575.2007.00269.x

Kim et al., 2010 Kim, C. , Tao, W. , Shin, N. , & Kim, K. S. (2010). An empirical study of customers' perceptions of security and trust in e-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95. https://doi.org/10.1016/j.elerap.2009.04.014

King and Levine, 1993 King, R. G. , & Levine, R. (1993). Financial intermediation and economic development. In C. Mayor & X. Vives (Eds.), Capital markets and financial intermediation (pp. 156–189). Cambridge University Press.

Klapper and Singer, 2017 Klapper, L. , & Singer, D. (2017). The opportunities and challenges of digitizing government-to-person payments. The World Bank Research Observer, 32(2), 211–226. https://doi.org/10.1093/wbro/lkx003

Kline, 2014 Kline, P. (2014). An easy guide to factor analysis. https://doi.org/10.4324/9781315788135

Knight, 1998 Knight, M. (1998). Developing countries and the globalization of financial markets. World Development, 26(7), 1185–1200. https://doi.org/10.1016/S0305-750X(98)00038-2

Kumar, 1996 Kumar, N. (1996). The power of trust in manufacturer-retailer relationships. Harvard Business Review, 92–106.

Kumar, 2017 Kumar, A. (2017). Economic consequences of demonetisation money supply and economic structure. Economic and Political Weekly, 52(1), 14–17.

Kumar et al., 2020 Kumar, M. , Agrawal, S. , & Mishra, R. (2020). User behaviour and digital payment ecosystem: An audit of connections between usage attributes and demographic profile. International Journal on Emerging Technologies, 11(2), 935–938.

Kumar et al., 2015 Kumar, A. , & Dash, M. K. (2015). Prioritization and modelling of consumer decision making in digital market based on fuzzy approach. (Unpublished Thesis), ABV_IIITM.

Kumar and Mathiyazhagan, 2020 Kumar, N. , & Mathiyazhagan, K. (2020). Sustainability in lean manufacturing: A systematic literature review. International Journal of Business Excellence, 20(3), 295–321. Inderscience Enterprises Ltd. https://doi.org/10.1504/IJBEX.2020.106383

Kumar et al., 2019 Kumar, R. T. , Suresha, B. , Sriram, M. , & Rajesh, R. (2019). Impact of digital payments on economic growth: Evidence from India. International Journal of Innovative Technology and Exploring Engineering, 8(12), 553–557. https://doi.org/10.35940/ijitee.L3432.1081219

Laeven et al., 2015 Laeven, L. , Levine, R. , & Michalopoulos, S. (2015). Financial innovation and endogenous growth. Journal of Financial Intermediation, 24(1), 1–24.

Lagorio et al., 2016 Lagorio, A. , Pinto, R. , & Golini, R. (2016). Research in urban logistics: A systematic literature review. International Journal of Physical Distribution & Logistics Management, 46(10), 908–931. https://doi.org/10.1108/IJPDLM-01-2016-0008

Lee, 2009 Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.006

Lee, 2008 Lee, M.-C. (2008). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Elsevier. https://doi.org/10.1016/j.elerap.2008.11.006

Lee and Chung, 2009 Lee, K. C. , & Chung, N. (2009). Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean's model perspective. Interacting with Computers, 21(5–6), 385–392. https://doi.org/10.1016/j.intcom.2009.06.004

Lee et al., 2013 Lee, H. S. H. , Loke, Y. J. , & Tan, A. K. G. (2013). The demand for e-payments in Malaysia: An examination of usage intensity. Margin, 7(4), 371–389. https://doi.org/10.1177/0973801013500167

Liao et al., 2012 Liao, Z. , Shi, X. , & Wong, W. K. (2012). Consumer perceptions of the smartcard in retailing: An empirical study. Journal of International Consumer Marketing, 24(4), 252–262. https://doi.org/10.1080/08961530.2012.728503

Li et al., 2006 Li, D. , Browne, G. J. , & Wetherbe, J. C. (2006). Why do internet users stick with a specific web site? A relationship perspective. International Journal of Electronic Commerce, 10(4), 105–141. https://doi.org/10.2753/JEC1086-4415100404

Ligon et al., 2019 Ligon, E. , Malick, B. , Sheth, K. , & Trachtman, C. (2019). What explains low adoption of digital payment technologies? Evidence from small-scale merchants in Jaipur, India. PLoS One, 14(7). https://doi.org/10.1371/journal.pone.0219450

Lin, 2011 Lin, H. F. (2011). An empirical investigation of mobile 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 and Nguyen, 2011 Lin, C. , & Nguyen, C. (2011). Exploring e-payment adoption in Vietnam and Taiwan. Journal of Computer Information Systems, 51(4), 41–52. https://doi.org/10.1080/08874417.2011.11645500

Loevinger, 1957 Loevinger, J. (1957). Objective tests as instruments of psychological theory. Psychological Reports, 3(3), 635–694. https://doi.org/10.2466/pr0.1957.3.3.635

Lu et al., 2011 Lu, Y. , Yang, S. , Chau, P. Y. K. , & Cao, Y. (2011). Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information and Management, 48(8), 393–403. https://doi.org/10.1016/j.im.2011.09.006

Maccallum and Widaman, 1999 Maccallum, R. C. , & Widaman, K. F. (1999). Sample size in factor analysis. Psychological Methods, 4(1), 84–99.

MacCallum et al., 2001 MacCallum, R. C. , Widaman, K. F. , Preacher, K. J. , & Hong, S. (2001). Sample size in factor analysis: The role of model error. Multivariate Behavioral Research, 36(4), 611–637. https://doi.org/10.1207/S15327906MBR3604_06

Madan and Yadav, 2016 Madan, K. , & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: A developing country perspective. Journal of Indian Business Research, 8(3), 227–244. https://doi.org/10.1108/JIBR-10-2015-0112

Malhotra, 2006 Malhotra, N. K. (2006). Questionnaire design and scale development. In R. Grover & M. Vriens (Eds.), The handbook of marketing research: Uses, misuses, and future advances. SAGE Publications Inc.

Malhotra and Dash, 2015 Malhotra, N. K. , & Dash, S. (2015). Marketing research: An applied orientation (7th ed.). Pearson.

Mathew et al., 2014 Mathew, M. , Magnier-Watanabe, R. , Pratheeba, S. , & Balakrishnan, N. (2014). Assessing technology differences in electronic and mobile payment systems among developed and developing countries. International Journal of Innovation and Technology Management, 11(2). https://doi.org/10.1142/S0219877014500059

Mathiraj et al., 2019 Mathiraj, S. P. , Shetty, G. , Thangam, D. , & Devi, S. R. (2019). Consumer acuity on select digital wallets. International Journal of Scientific and Technology Research, 8(12), 3551–3556.

McKinsey Global Institute, 2019 McKinsey Global Institute . (2019). Digital India: Technology to transform a connected nation. (Issue March). https://www.mckinsey.com/∼/media/mckinsey/businessfunctions/mckinseydigital/ourinsights/digitalindiatechnologytotransformaconnectednation/digital-india-technology-to-transform-a-connected-nation-full-report.pdf

Meester et al., 2017 Meester, W. J. , Steiginga, S. , & Ross, C. A. (2017). A brief history of Scopus: The world's largest abstract and citation database of scientific literature. Research Analytics. Boosting University Productivity and Competitiveness through Scientometrics, 31.

MeitY, 2021 MeitY . (2021). The Ministry of Electronics and Information Technology, Government of India. https://www.meity.gov.in/digidhan

Merton, 1993 Merton, R. C. (1993). Operation and regulation in financial intermediation: A functional perspective. In P. Englund (Ed.), Operation and regulation of financial markets. The Economic Council.

Merton, 1995 Merton, R. C. (1995). A functional perspective of financial intermediation. Financial Management, 24(2), 23–41.

Merton and Bodie, 1995 Merton, R. C. , & Bodie, Z. (1995). A conceptual framework for analyzing the financial environment. In The global financial system: A functional perspective, May, 3–31.

Misic and Johnson, 1999 Misic, M. M. , & Johnson, K. L. (1999). Benchmarking: A tool for web site evaluation and improvement. Internet Research, 9(5), 383–392. https://doi.org/10.1108/10662249910297787

Montoya et al., 2018 Montoya, F. G. , Alcayde, A. , Baños, R. , & Manzano-Agugliaro, F. (2018). A fast method for identifying worldwide scientific collaborations using the Scopus database. Telematics and Informatics, 35(1), 168–185. https://doi.org/10.1016/j.tele.2017.10.010

Moore and Benbasat, 1991 Moore, G. C. , & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192

Mundfrom et al., 2005 Mundfrom, D. J. , Shaw, D. G. , & Ke, T. L. (2005). Minimum sample size recommendations for conducting factor analyses. International Journal of Testing, 5(2), 159–168. https://doi.org/10.1207/s15327574ijt0502_4

Musigmann et al., 2020 Musigmann, B. , Von Der Gracht, H. , & Hartmann, E. (2020). Blockchain technology in logistics and supply chain management – A bibliometric literature review from 2016 to January 2020. IEEE Transactions on Engineering Management, 67(4), 988–1007. https://doi.org/10.1109/TEM.2020.2980733

Nair and Bhattacharyya, 2019 Nair, A. K. S. , & Bhattacharyya, S. S. (2019). Is sustainability a motive to buy? An exploratory study in the context of mobile applications channel among young Indian consumers. Foresight, 21(2), 177–199. https://doi.org/10.1108/FS-05-2018-0048

Najib and Fahma, 2020 Najib, M. , & Fahma, F. (2020). Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises. International Journal of Advanced Science, Engineering and Information Technology, 10(4), 1702–1708. https://doi.org/10.18517/ijaseit.10.4.11616

Noor Ardiansah et al., 2020 Noor Ardiansah, M. , Chariri, A. , Rahardja, S. , & Udin, U. (2020). The effect of electronic payments security on e-commerce consumer perception: An extended model of technology acceptance. Management Science Letters, 10(7), 1473–1480. https://doi.org/10.5267/j.msl.2019.12.020

Nor Hapiza et al., 2020 Nor Hapiza, M. A. , Ahmad, F. , & Umar, M. H. (2020). Acceptance of mobile payments by retailers using UTAUT model. Indonesian Journal of Electrical Engineering and Computer Science, 19(1), 149. https://doi.org/10.11591/ijeecs.v19.i1.pp149-155

Nunnally, 1978 Nunnally, J. C. (1978). Psychometric theory. In Psychometric theory (2nd ed.). McGraw-Hill.

Ochara and Mawela, 2015 Ochara, N. M. , & Mawela, T. (2015). Information technology for development enabling social sustainability of e-participation through mobile technology. Information Technology for Development, 21(2), 205–228. https://doi.org/10.1080/02681102.2013.833888

Odeh and Yousef, 2021 Odeh, M. , & Yousef, M. (2021). The effect of Covid-19 on the electronic payment system: Usage level trust and competence perspectives. Indonesian Journal of Electrical Engineering and Computer Science, 22(2), 1144–1155. https://doi.org/10.11591/IJEECS.V22.I2.PP1144-1155

Ogbanufe and Kim, 2018 Ogbanufe, O. , & Kim, D. J. (2018). Comparing fingerprint-based biometrics authentication versus traditional authentication methods for e-payment. Decision Support Systems, 106, 1–14. https://doi.org/10.1016/j.dss.2017.11.003

Okoli and Schabram, 2010 Okoli, C. , & Schabram, K. (2010). A guide to conducting a systematic literature review of information systems research. Sprouts: Working Papers on Information Systems, 10(26).

Oktaviani et al., 2019 Oktaviani, R. F. , Faeni, D. P. , Faeni, R. P. , & Meidiyustiani, R. (2019). Implementation of mobile payment in Indonesia. International Journal of Recent Technology and Engineering, 8(2 Special Issue 4), 863–866. https://doi.org/10.35940/ijrte.B1172.0782S419

Oney et al., 2017 Oney, E. , Guven, G. O. , & Rizvi, W. H. (2017). The determinants of electronic payment systems usage from consumers' perspective. Economic Research-Ekonomska IstRaživanja, 30(1), 394–415. https://doi.org/10.1080/1331677X.2017.1305791

Osborne and Costello, 2004 Osborne, J. W. , & Costello, A. B. (2004). Sample size and subject to item ratio in principle components analysis. Practical Assessment, Research and Evaluation, 9. https://doi.org/10.7275/ktzq-jq66

Osmani et al., 2017 Osmani, M. , Moradi, K. , Rozan, M. Z. A. , & Layegh, M. A. (2017). Using AHP method to evaluate e-payment system factors influencing mobile banking use in Iranian banks. International Journal of Business Information Systems, 24(4), 511–528. https://doi.org/10.1504/IJBIS.2017.082897

Özkan et al., 2010 Özkan, S. , Bindusara, G. , & Hackney, R. (2010). Facilitating the adoption of e-payment systems: Theoretical constructs and empirical analysis. Journal of Enterprise Information Management, 23(3), 305–325. https://doi.org/10.1108/17410391011036085

Pal et al., 2021 Pal, A. , Herath, T. , De’, R. , & Raghav Rao, H. (2021). Why do people use mobile payment technologies and why would they continue? An examination and implications from India. Research Policy, 50(6). https://doi.org/10.1016/J.RESPOL.2021.104228

Patil et al., 2020 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. https://doi.org/10.1016/j.ijinfomgt.2020.102144

Peter, 1979 Peter, J. P. (1979). Reliability: A review of psychometric basics and recent marketing practices. Journal of Marketing Research, 16(1), 6. https://doi.org/10.2307/3150868

Pham and Ho, 2015 Pham, T. T. T. , & Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society, 43, 159–172. https://doi.org/10.1016/j.techsoc.2015.05.004

Phonthanukitithaworn et al., 2016 Phonthanukitithaworn, C. , Sellitto, C. , & Fong, M. W. L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8(1), 37–54. https://doi.org/10.1108/APJBA-10-2014-0119

Prabhakaran et al., 2014 Prabhakaran, R. , Navaneethan, C. , Meenatchi, S. , & Hasitha, K. (2014). Enhancing security in online mobile payments using finger print technology and digital signature. International Journal of Applied Engineering Research, 9(21), 11257–11264.

Prakash, 2016 Prakash, R. (2016). Roadblocks Modi government need to address to ensure swift move to a cashless economy. The Economic Times. https://economictimes.indiatimes.com/news/economy/policy/roadblocks-the-government-needs-to-address-to-ensure-swift-move-to-a-cashless-economy/articleshow/55470220.cms?from=mdr

Rahi et al., 2019a Rahi, S. , Abd Ghani, M. , & Hafaz Ngah, A. (2019a). Integration of expectation confirmation theory and self-determination theory in internet banking continuance intention. Journal of Science and Technology Policy Management, 10(3), 533–550. https://doi.org/10.1108/JSTPM-06-2018-0057

Rahi et al., 2019b Rahi, S. , AbdGhani, M. , & Hafaz Ngah, A. (2019b). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society, 58. https://doi.org/10.1016/j.techsoc.2019.03.003

Ranaweera et al., 2005 Ranaweera, C. , McDougall, G. , & Bansal, H. (2005). A model of online customer behavior during the initial transaction: Moderating effects of customer characteristics. Marketing Theory, 5(1), 51–74.

RBI, 2018 RBI . (2018). Payment and settlement systems in India: Vision 2018. https://rbidocs.rbi.org.in/rdocs/PublicationReport/Pdfs/VISION20181A8972F5582F4B2B8B46C5B669CE396A.PDF

RBI, 2019 RBI . (2019). Payment and settlement systems in India – Vision 2019–2021-empowering exceptional (E) payment experience. RBI. https://rbidocs.rbi.org.in/rdocs/PublicationReport/PDFs/PAYMENT1C3B80387C0F4B30A56665DD08783324.PDF

Richard and David, 2000 Richard, L. I. , & David, R. S. (2000). Statistics for management. P H I.

Riquelme and Rios, 2010 Riquelme, H. E. , & Rios, R. E. (2010). The moderrating effect of gender of in the adoption of mobile banking. International Journal of Bank Marketing, 28(5), 328–341.

Rizkyandy et al., 2018 Rizkyandy, R. , Setyohadi, D. B. , & Suyoto, S. (2018). What should be considered for acceptance mobile payment: An investigation of the factors affecting of the intention to use system services T-cash. Advances in Science, Technology and Engineering Systems, 3(2), 257–262. https://doi.org/10.25046/aj030230

Rogers, 1995 Rogers, E. M. (1995). Diffusion of innovations (4th ed.). Free Press. https://doi.org/10.4324/9780203710753-35

Rousseau et al., 1998 Rousseau, D. , Sitkin, S. , Burt, R. , & Camerer, C. (1998). Not so different after all: A cross-discipline view of trust. Academy of Management Review, 23(3), 393–404.

Safar Hasim and Salman, 2010 Safar Hasim, M. , & Salman, A. (2010). Factors affecting sustainability of internet usage among youth. The Electronic Library, 28(2), 300–313. https://doi.org/10.1108/02640471011033657

Sahoo et al., 2017 Sahoo, A. K. , Jena, A. , & Behera, R. K. (2017). A resourceful approach in security testing to protect electronic payment system against unforeseen attack. International Journal of Open Source Software & Processes, 8(3), 24–48. https://doi.org/10.4018/IJOSSP.2017070102

Salloum and Al-Emran, 2018 Salloum, S. A. , & Al-Emran, M. (2018). Factors affecting the adoption of e-payment systems by university students: Extending the tam with trust. International Journal of Electronic Business, 14(4), 371–389. https://doi.org/10.1504/ijeb.2018.098130

Salloum et al., 2019 Salloum, S. A. , Al-Emran, M. , Khalaf, R. , Habes, M. , & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies (IJIM), 13(06), 68. https://doi.org/10.3991/ijim.v13i06.9875

Sarkar and Thapa, 2021 Sarkar, K. K. , & Thapa, R. (2021). From social and development banking to digital financial inclusion: The journey of banking in India. Perspectives on Global Development & Technology, 19(5–6), 650–675. https://doi.org/10.1163/15691497-12341575

Schermelleh-Engel et al., 2003 Schermelleh-Engel, K. , Moosbrugger, H. , & Müller, H. (2003). Evaluating the fit of structural equation models: Tests of significance and descriptive goodness-of-fit measures. Methods of Psychological Research Online, 8(2), 23–74.

Schierz et al., 2010 Schierz, P. G. , Schilke, O. , & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209–216. https://doi.org/10.1016/j.elerap.2009.07.005

Schmitt et al., 1991 Schmitt, N. , Klimoski, R. J. , & Rowland, K. M. (1991). Research methods in human resources management. South-Western Pub.

Schurr and Ozanne, 1985 Schurr, P. , & Ozanne, J. (1985). Infuences on exchange processes: Buyers' preconceptions of a seller's trustworthiness and bargaining toughness. Journal of Consumer Research, 11, 939–953.

Scotland, 2012 Scotland, J. (2012). Exploring the philosophical underpinnings of research: Relating ontology and epistemology to the methodology and methods of the scientific, interpretive, and critical research paradigms. English Language Teaching, 5(9), 9–16. https://doi.org/10.5539/elt.v5n9p9

Seiler et al., 2013 Seiler, V. , Rudolf, M. , & Krume, T. (2013). The influence of socio-demographic variables on customer satisfaction and loyalty in the private banking industry. International Journal of Bank Marketing, 31(4), 235–258. https://doi.org/10.1108/IJBM-10-2012-0101

Sekaran and Bougie, 2016 Sekaran, U. , & Bougie, R. (2016). Research methods for business: A skill building approach. John Wiley & Sons.

Shah et al., 2017 Shah, B. , Ullatil, D. S. , & Nagendra, A. (2017). Analysis of the inception, acceptance and future of e-wallets. International Journal of Applied Business and Economic Research, 15(2), 207–215.

Shankar et al., 2020 Shankar, A. , Jebarajakirthy, C. , & Ashaduzzaman, M. (2020). How do electronic word of mouth practices contribute to mobile banking adoption? Journal of Retailing and Consumer Services, 52(June 2019), 101920. https://doi.org/10.1016/j.jretconser.2019.101920

Sharma, 2019 Sharma, C. (2019). Estimating the size of the black economy: New evidence from India. International Journal of Emerging Markets, 14(2), 300–321. https://doi.org/10.1108/IJoEM-01-2018-0034

Sheng et al., 2020 Sheng, J. , Amankwah-amoah, J. , Khan, Z. , & Wang, X. (2020). COVID-19 pandemic in the new era of big data analytics: Methodological innovations and future research directions. British Journal of Management, 1–20. https://doi.org/10.1111/1467-8551.12441

Sheshadri and Rani, 2014 Sheshadri, P. , & Rani, S. S. (2014). The influence of government support in the adoption of internet banking. International Journal of Applied Business and Economic Research, 12(3), 803–811.

Shin et al., 2013 Shin, J. I. , Chung, K. H. , Oh, J. S. , & Lee, C. W. (2013). The effect of site quality on repurchase intention in Internet shopping through mediating variables: The case of university students in South Korea. International Journal of Information Management, 33(3), 453–463. https://doi.org/10.1016/j.ijinfomgt.2013.02.003

Singhal and Padhmanabhan, 2008 Singhal, D. , & Padhmanabhan, V. (2008). A study on customer perception towards internet banking: Identifying major contributing factors. The Journal of Nepalese Business Studies, 5(1), 101–111. https://www.nepjol.info/index.php/jnbs/article/view/2088

Singh and Sinha, 2020 Singh, N. , & Sinha, N. (2020). How perceived trust mediates merchant's intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52(June 2019), 101894. https://doi.org/10.1016/j.jretconser.2019.101894

Singh and Srivastava, 2018 Singh, S. , & Srivastava, R. K. (2018). Predicting the intention to use mobile banking in India. International Journal of Bank Marketing, 36(2), 357–378. https://doi.org/10.1108/IJBM-12-2016-0186

Sinha et al., 2019 Sinha, M. , Majra, H. , Hutchins, J. , & Saxena, R. (2019). Mobile payments in India: The privacy factor. International Journal of Bank Marketing, 37(1), 192–209. https://doi.org/10.1108/IJBM-05-2017-0099

Sivasubramanian et al., 2017 Sivasubramanian, J. , Velavan, M. , Arunkumar, S. , Abirami, P. , Therasa, C. , & Abirami, G. (2017). Preference towards digital payment among gen X-ERS. International Journal of Economic Research, 14(3), 375–384.

Sivathanu, 2019 Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033

Soomro, 2019 Soomro, Y. A. (2019). Understanding the adoption of sadad e-payments: UTAUT combined with religiosity as moderator. International Journal of e-Business Research, 15(1), 55–74. https://doi.org/10.4018/IJEBR.2019010104

Stebbins, 2001 Stebbins, R. A. (2001). Exploratory research in the social sciences (Vol. 48). SAGE Publications Inc. https://doi.org/10.4135/9781412984249

Steenkamp and Baumgartner, 2000 Steenkamp, J. B. E. M. , & Baumgartner, H. (2000). On the use of structural equation models for marketing modeling. International Journal of Research in Marketing, 17(2–3), 195–202. https://doi.org/10.1016/s0167-8116(00)00016-1

Stiglitz, 1998 Stiglitz, J. E. (1998). The role of the financial system in development. In Presentation at the Fourth Annual Bank Conference on Development in Latin America and the Caribbean, 29 (pp. 1–17).

Surekha et al., 2015 Surekha, A. , Anand, P. R. , & Indu, I. (2015). E-payment transactions using encrypted QR codes. International Journal of Applied Engineering Research, 10(77), 460–463.

Swilley, 2010 Swilley, E. (2010). Technology rejection: The case of the wallet phone. Journal of Consumer Marketing, 27(4), 304–312.

Tabachnick and Fidell, 2001 Tabachnick, B. G. , & Fidell, L. S. (2001). SAS for windows workbook for Tabachnick and Fidell using multivariate statistics. Allyn and Bacon.

Tabachnick and Fidell, 2013 Tabachnick, B. G. , & Fidell, L. S. (2013). Using multivariate statistics (6th ed.). Pearson Education Inc. https://doi.org/10.1037/022267

Talwar et al., 2020 Talwar, S. , Dhir, A. , Khalil, A. , Mohan, G. , & Islam, A. K. M. N. (2020). Point of adoption and beyond. Initial trust and mobile-payment continuation intention. Journal of Retailing and Consumer Services, 55, 102086. https://doi.org/10.1016/j.jretconser.2020.102086

Tam and Oliveira, 2016 Tam, C. , & Oliveira, T. (2016). Understanding the impact of m-banking on individual performance: DeLone & McLean and TTF perspective. Computers in Human Behavior, 61, 233–244. https://doi.org/10.1016/j.chb.2016.03.016

Tandon et al., 2020 Tandon, A. , Dhir, A. , Islam, N. , & Mäntymäki, M. (2020). Blockchain in healthcare: A systematic literature review, synthesizing framework and future research agenda. Computers in Industry, 122. https://doi.org/10.1016/j.compind.2020.103290

Tan and Tan, 2012 Tan, W. K. , & Tan, Y. J. (2012). Transformation of smart-card-based single-purpose e-micropayment scheme to multi-purpose scheme: A case study. Expert Systems with Applications, 39(3), 2306–2313. https://doi.org/10.1016/j.eswa.2011.08.017

Tan and Teo, 2000 Tan, M. , & Teo, T. S. H. (2000). Factors influencing the adoption of internet banking. Journal of the Association for Information Systems, 1(1), 5. https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1188&context=jais

Tavakol and Dennick, 2011 Tavakol, M. , & Dennick, R. (2011). Making sense of Cronbach's alpha. International Journal of Medical Education, 2, 53–55. https://doi.org/10.5116/ijme.4dfb.8dfd

Taylor, 2016 Taylor, E. (2016). Mobile payment technologies in retail: A review of potential benefits and risks. International Journal of Retail & Distribution Management, 44(2), 159–177. https://doi.org/10.1108/IJRDM-05-2015-0065

Tella, 2012 Tella, A. (2012). Determinants of e-payment systems success: A user's satisfaction perspective. International Journal of E-Adoption, 4(3), 15–38. https://doi.org/10.4018/jea.2012070102

Teoh et al., 2013 Teoh, W. M. Y. , Chong, S. C. , Lin, B. , & Chua, J. W. (2013). Factors affecting consumers' perception of electronic payment: An empirical analysis. Internet Research, 23(4), 465–485. https://doi.org/10.1108/IntR-09-2012-0199

Thakor, 1996 Thakor, A. V. (1996). The design of financial systems: An overview. Journal of Banking & Finance, 20(5), 917–948. https://doi.org/10.1016/0378-4266(95)00033-X

Thakur and Srivastava, 2014 Thakur, R. , & Srivastava, M. (2014). Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India. Internet Research, 24(3), 369–392. https://doi.org/10.1108/IntR-12-2012-0244

Tiwari, 2016 Tiwari, D. (2016). Cashless economy: Centre to implement 19 measures to facilitate transition. The Economic Times. https://economictimes.indiatimes.com/news/economy/finance/cashless-economy-centre-to-implement-19-measures-to-facilitate-transition/articleshow/55361613.cms?from=mdr

Tounekti et al., 2020 Tounekti, O. , Ruiz-Martinez, A. , & Skarmeta Gomez, A. F. (2020). Users supporting multiple (mobile) electronic payment systems in online purchases: An empirical study of their payment transaction preferences. IEEE Access, 8, 735–766. https://doi.org/10.1109/ACCESS.2019.2961785

Tufano, 2003 Tufano, P. (2003). Financial innovation. In G. M. Constantinides , M. Harris , & R. Stulz (Eds.), Handbook of the economics of finance: Corporate finance (Vol. 1, Issue Part A, pp. 307–335). Elsevier.

Tuli, 2010 Tuli, F. (2010). The basis of distinction between qualitative and quantitative research in social science: Reflection on ontological, epistemological and methodological perspectives. Ethiopian Journal of Education and Sciences, 6(1), 97–107.

UN-General-Assembly, 2005 UN-General-Assembly . (2005). United Nations general assembly: 2005 World summit outcome, (resolution A/60/1, adopted by the general assembly on September 15). https://www.un.org/en/development/desa/population/migration/generalassembly/docs/globalcompact/A_RES_60_1.pdf

UN-General-Assembly, 2015 UN-General-Assembly . (2015). Transforming our World: The 2030 agenda for sustainable development (resolution A/70/1, adopted by the general assembly on 25 September, 2015). https://doi.org/10.1057/978-1-137-45443-0_24

United-Nations-World-Commission-on-Environment- and-Development, 1987 United-Nations-World-Commission-on-Environment-and-Development . (1987). United Nations general assembly: Report of the world commission on environment and development: Our common future (transmitted to the general assembly as an annex to document A/42/427 – Development and International Co-operation: Environment). http://www.un-documents.net/wced-ocf.htm

Upadhyay and Chattopadhyay, 2015 Upadhyay, P. , & Chattopadhyay, M. (2015). Examining mobile based payment services adoption issues: A new approach using hierarchical clustering and self-organizing maps. Journal of Enterprise Information Management, 28(4), 490–507. https://doi.org/10.1108/JEIM-04-2014-0046

Vally and Divya, 2018 Vally, K. S. , & Divya, K. H. (2018). A study on digital payments and demonetization in India: Prospects and challenges. Journal of Advanced Research in Dynamical and Control Systems, 10(8 Special Issue), 384–390.

Varghese and Nandini, 2020 Varghese, S. , & Nandini (2020). The influence of demographic factors on the customers of online-shopping with special reference to Kochi city. Journal of Advanced Research in Dynamical and Control Systems, 12(1 Special Issue), 856–860. https://doi.org/10.5373/JARDCS/V12SP1/20201137

Vejač ka, 2015 Vejačka, M. (2015). Consumer acceptance of contactless payments in Slovakia. Journal of Applied Economic Sciences, 10(5).

Venkatesh et al., 2012 Venkatesh, V. , Thong, J. Y. L. , & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly: Management Information Systems, 36(1), 157–178. https://doi.org/10.2307/41410412

Verkijika, 2020 Verkijika, S. F. (2020). An affective response model for understanding the acceptance of mobile payment systems. Electronic Commerce Research and Applications, 39. https://doi.org/10.1016/j.elerap.2019.100905

Vinitha and Vasantha, 2017a Vinitha, K. , & Vasantha, S. (2017a). Factors influencing consumer's intention to adopt digital payment – Conceptual model. Indian Journal of Public Health Research and Development, 8(3), 170–175. https://doi.org/10.5958/0976-5506.2017.00181.4

Vinitha and Vasantha, 2017b Vinitha, K. , & Vasantha, S. (2017b). Influence of demographic variables on usage of e-payment system. International Journal of Mechanical Engineering & Technology, 8(11), 265–276.

Vinitha and Vasantha, 2018 Vinitha, K. , & Vasantha, S. (2018). Usage of e-payment and customer satisfaction. Indian Journal of Public Health Research and Development, 9(3), 130–133. https://doi.org/10.5958/0976-5506.2018.00196.1

Vinitha and Vasantha, 2020 Vinitha, K. , & Vasantha, S. (2020). Determinants of customer intention to use digital payment system. Journal of Advanced Research in Dynamical and Control Systems, 12(2), 168–175. https://doi.org/10.5373/JARDCS/V12I2/S202010019

Vyshnavi, 2016 Vyshnavi, R. (2016). Bitcoins as a payment system: Problems and challenges developments with particular reference to India. International Business Management, 10(20), 4873–4878. https://doi.org/10.3923/ibm.2016.4873.4878

Wamba and Queiroz, 2020 Wamba, S. F. , & Queiroz, M. M. (2020). Blockchain in the operations and supply chain management: Benefits, challenges and future research opportunities. International Journal of Information Management, 52. https://doi.org/10.1016/j.ijinfomgt.2019.102064

Watal, 2017 Watal, R. P. (2017). NITI Aayog, final digital payment booklet. Niti Aayog, Government of India. https://rbidocs.rbi.org.in/rdocs/PublicationReport/Pdfs/VD1215011012F.pdf

Webster’ s, 1988 Webster’s . (1988). Webster's ninth new collegiate dictionary.

Wegener and Fabrigar, 2004 Wegener, D. T. , & Fabrigar, L. R. (2004). Constructing and evaluating quantitative measures for social psychological research: Conceptual challenges and methodological solutions. In C. Sansone , C. C. Morf , & A. T. Panter (Eds.), The Sage handbook of methods in social psychology (pp. 145–172). SAGE Publications, Inc.

Weibing, 2011 Weibing, P. (2011). Research on money laundering crime under electronic payment background. Journal of Computers, 6(1), 147–154. https://doi.org/10.4304/jcp.6.1.147-154

World-Population-Prospects, 2015 World-Population-Prospects . (2015). Key findings and advance tables. https://esa.un.org/unpd/wpp/publications/files/key_findings_wpp_2015.pdf

Yang et al., 2012 Yang, S. , Lu, Y. , Gupta, S. , Cao, Y. , & Zhang, R. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior, 28(1), 129–142. https://doi.org/10.1016/j.chb.2011.08.019

Yaokumah et al., 2017 Yaokumah, W. , Kumah, P. , & Okai, E. S. A. (2017). Demographic influences on e-payment services. International Journal of E-Business Research, 13(1), 44–65. https://doi.org/10.4018/IJEBR.2017010103

Yeh, 2020 Yeh, H. (2020). Factors in the ecosystem of mobile payment affecting its use: From the customers' perspective in Taiwan. Journal of Theoretical and Applied Electronic Commerce Research, 15(1), 13–29. https://doi.org/10.4067/S0718-18762020000100103

Zahari et al., 2014 Zahari, R. K. , Ariffin, R. N. R. , Zamin, N. , & Noor, N. B. M. (2014). E-payment at the local government level: A study of Majlis Bandaraya Shah Alam and Majlis Daerah Kampar. Planning Malaysia, 12, 27–46. https://doi.org/10.21837/pmjournal.v12.i3.130

Zhang et al., 2019 Zhang, J. L. , Hu, M. S. , Jia, Z. J. , Bei-Gong , & Wang, L. P. (2019). A novel e-payment protocol implented by blockchain and quantum signature. International Journal of Theoretical Physics, 58(4), 1315–1325. https://doi.org/10.1007/s10773-019-04024-8

Zhang and Wang, 2014 Zhang, Y. H. , & Wang, R. X. (2014). Comparison of e-payment of the B2C e-commerce in China from the security and trust perspective. International Journal of Security and Its Applications, 8(3), 325–338. https://doi.org/10.14257/ijsia.2014.8.3.33

Zikmund et al., 2013 Zikmund, W. , Carr, J. , & Griffin, M. (2013). Business research methods. Cengage Learning.

Zolotov et al., 2019 Zolotov, M. N. , Oliveira, T. , & Casteleyn, S. (2019). Citizens' intention to use and recommend e-participation drawing upon UTAUT and citizen empowerment. Information Technology & People, 32(2), 364–386. https://doi.org/10.1108/ITP-08-2017-0257