بررسی مؤلفه‌های فناورانه، رفتاری و محیطی بر پذیرش همراه‌بانک در صنعت بانکداری (مطالعه موردی: مشتریان بانک صادرات شهر سنندج)

Afshan, S., & Sharif, A. (2016). Acceptance of mobile banking framework in pakistan. Telematics and Informatics, 33(2), 370–387. https://doi.org/10.1016/j.tele.2015.09.005

Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314-324. http://dx.doi.org/10.1002/hbe2.195

Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100-110.   https://doi.org/10.1016/j.techsoc.2018.06.007

Almustafa, H., Nguyen, QK., Liu J., Dang, V.C. (2023) The impact of COVID-19 on firm risk and performance in MENA countries: Does national governance quality matter?. PLOS ONE 18(2), e0281148. https://doi.org/10.1371/journal.pone.0281148

Al-Rahmi, A. M., Shamsuddin, A., Alturki, U., Aldraiweesh, A., Yusof, F. M., Al-Rahmi, W. M., & Aljeraiwi, A. A. (2021). The influence of information system success and technology acceptance model on social media factors in education. Sustainability, 13(14), 7770. https://doi.org/10.3390/su13147770

Al-Rahmi, W. M., Al-Adwan, A. S., Al-Maatouk, Q., Othman, M. S., Alsaud, A. R., Almogren, A. S., & Al-Rahmi, A. M. (2023). Integrating Communication and Task–Technology Fit Theories: The Adoption of Digital Media in Learning. Sustainability, 15(10), 8144. https://doi.org/10.3390/su15108144

Al-Samarraie, H., Teng, B. K., Alzahrani, A. I., & Alalwan, N. (2017). E-learning continuance satisfaction in higher education: a unified perspective from instructors and students. Studies in Higher Education, 43(11), 2003–2019. https://doi.org/10.1080/03075079.2017.1298088

Al Tarawneh, M. A., Nguyen, T. P. L., Yong, D. G. F., & Dorasamy, M. A/P. (2023). Determinant of M-Banking Usage and Adoption among Millennials. Sustainability, 15(10), 8216. https://doi.org/10.3390/su15108216

Andalib Touchaei, S., & Hazarina Hashim, N. (2023). The Antecedents of Mobile Banking Adoption among Senior Citizens in Malaysia. International Journal of Human–Computer Interaction, 1-18. http://dx.doi.org/10.1080/10447318.2022.2161236

Anh, V. T. (2023). Mobile banking adoption in Vietnam: an empirical study. Economics Finance And Management Review, 13(1), 60–67. http://dx.doi.org/10.36690/2674-5208-2023-1-60

Apau, R., Titis, E., & Lallie, H. S. (2025). Towards a Better Understanding of Mobile Banking App Adoption and Use: Integrating Security, Risk, and Trust into UTAUT2. Computers, 14, 144. https://doi.org/10.3390/ computers14040144 

Azar, A. (2012). Path-Structure Modeling in Management: Application of Smart-PLS Software. Tehran: Negah Danesh Publications. [In Persian]

Baabdullah, A. M., Alalwan, A. A., Rana N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38-52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002

Bakhshi, M., & Samizadeh, R. (2017). Studying a model for E-banking adoption by considering customer trust. Business Intelligence Management Studies, 5(19), 53-74. https://doi.org/10.22054/ims.2017.7054   [In Persian].

Baptista, G., & Oliveira, T. (2015). Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior, 50(2), 418-430. http://dx.doi.org/10.1016/j.chb.2015.04.024

Bilisbekov, N., Sarfo, C., Dandis, A., & Eid, M. (2021). Linking bank advertising to customer attitudes: The role of cognitive and affective trust. Management Science Letters, 11(4), 1083-1092. http://dx.doi.org/10.5267/j.msl.2020.11.0031

Bustami, E., Budaya, I., Regen, R., & Zasriati, M. (2023). Analysis of Factors Influencing Customer Behavioral Intentions to Use Mobile Banking. International Journal of Artificial Intelligence Research, 6(1.1).

Cakra, S. D. P. (2021). Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan, dan Persepsi Risiko Terhadap Minat Berkelanjutan Menggunakan Layanan M Banking PT. Bank Rakyat Indonesia Cabang Unit Tanggul, Jember. PERFORMA: Jurnal Manajemen Dan Start-Up Bisnis, 5(6), 530–538.  http://dx.doi.org/10.37715/jp.v5i6.1856

Chaouali, W., Souiden, N., & Ladhari, R. (2017). Explaining adoption of mobile banking with the theory of trying, general self confidence, and cynicism. Journal of Retailing and Consumer Services, 35, 57-67. https://doi.org/10.1016/j.jretconser.2016.11.009

Chawla, D., & Joshi, H. (2021). Segmenting mobile banking users based on the usage of mobile banking services. Global Business Review, 22(3), 689-704       .    https://doi.org/10.1177/0972150918811257

Chawla, D., & Joshi, H. (2021). Segmenting Mobile Banking Users Based on the Usage of Mobile Banking Services. Global Business Review, 22(3), 689-704.      https://doi.org/10.1177/0972150918811257

Dakduk, S., Santalla-Banderali, Z., & Siqueira, J. R. (2020). Acceptance of mobile commerce in low-income consumers: evidence from an emerging economy. Heliyon, 6(11).    https://doi.org/10.1016/j.heliyon.2020.e05451

Dang, V. C., & Nguyen, Q. K. (2021). Determinants of FDI attractiveness: Evidence from ASEAN-7 countries. Cogent Social Sciences, 7(1), 2004676.        https://doi.org/10.1080/23311886.2021.2004676

Danyali, A. A. (2018). Factors influencing customers’ change of behaviours from online banking to mobile banking in Tejarat Bank, Iran. Journal of Organisational Change Management, 31(6), 1226-1233. https://doi.org/10.1108/JOCM-07-2017-0269

Arezo Ahmadi, D., (2028). Factors influencing customers’ change of behaviors from online banking to mobile banking in Tejarat Bank, Iran. Journal of Organizational Change Management, 31(6), 1226–1233. https://doi.org/10.1108/JOCM-07-2017-0269

Davari, A., & Rezazadeh, A. (2017). Structural equation modeling with PLS software. Academic Jihad Publications. [In Persian]

Dehdashti Shahrokh, Z., & Abdollahpour, S. (2016). Model of Behavioral intention and adoption to mobile bank in Bank Saderat Iran. Business Management Perspective, 16(31), 31-48. https://jbmp.sbu.ac.ir/article_96662.html  [In Persian].

Dehghani Poodeh, S., Naderiboni, M., & Salehzadeh, R. (2023). Investigating factors affecting the acceptance of mobile banking among customers of Isfahan National Bank. Modern Research Approaches in Management and Accounting, 7(25), 1046-1057. https://majournal.ir/index.php/ma/article/view/2049 [In Persian].

Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50.     https://doi.org/10.2307/3151312

Foroughi, B., Iranmanesh, M., & Hyun, S. S. (2019). Understanding the determinants of mobile banking continuance usage intention. Journal of Enterprise Information Management, 32(6), 1015-1033. http://dx.doi.org/10.1108/JEIM-10-2018-0237

Galhena, B. L., & Gamini, W. D. (2021). Factors influence on mobile banking adoption: case from non-banking financial institute sector in Sri Lanaka. Journal of Business Studies, 8(2), 106-134.

Gholizad, M. H., Yakideh, K., & Raofi, A. (2015). Investigating the effect of task and technology fit on mobile banking acceptance through the mediation of expected performance variables and individual willingness to use mobile banking. The Third International Conference on Applied Research in Management and Accounting, Tehran. https://civilica.com/doc/466179 [In Persian].

Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605-11616.     https://doi.org/10.1016/j.eswa.2009.03.024

Hai, P. H. (2023). Mobile Banking Adoption of Low-income Customer: A Combination between Theory of Planned Behavior and Technology Acceptance Model. Journal of Logistics, Informatics and Service Science, 10(1), 388-402. https://doi.org/10.33168/JLISS.2023.0121

Hamidizadeh, M. R. (2016). The Effect of Perceived Risk on Internet Banking Customers' Attitudes. Business Management Perspective, 16(29), 51-71. https://jbmp.sbu.ac.ir/article_96556.html  [In Persian].

Hanafizadeh, P., Behboudi, M., Koshksaray, A. A., & Tabar, M. J. S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics, 31(1), 62–78.           https://doi.org/10.1016/j.tele.2012.11.001

Haqiqat Monfared, J., & Shabani Behmand, M. (2017). Investigating the relationship between quality of e-banking services, satisfaction, and Behavioral interests and customers perceptions from electronic services of Melli Bank (case study: Melli Bank, East Tehran Branches). Business Management, 9(34), 7-25. https://civilica.com/doc/958252  [In Persian].

Hassan, M. S., Islam, M. A., Yusof, M. F. b., Nasir, H., & Huda, N. (2023). Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach. Risks, 11(2), 40. https://doi.org/10.3390/risks11020040

Ho, J., Wu, C., Lee, C., & Pham, T. (2020). Factors affecting the behavioral intention to adopt mobile banking: An international comparison. Technology in Society, 63 1-9.            https://doi.org/10.1016/j.techsoc.2020.101360

Hulland, J. (1999). Use of Partical Least Squares (PLS) in Strategic Management Research: A Review of four Recent Studies. Strategic Management Journal, 20(2), 195-204.

Jamshidi, D., Keshavarz, Y., Kazemi, F., Mohammadian, M. (2018). Mobile banking behavior and flow experience: An integration of utilitarian features, hedonic features and trust. International Journal of Social Economics, 45(1), 57-81. https://doi.org/10.1108/IJSE-10-2016-0283

Kazemian, M., Habibi, A., & Habibi, M. (2019). Investigating the impact of ease of use, perceived usefulness and social image of using mobile banking on customers' attitudes and customers' willingness to use (Case study: Tejarat mobile banking users). Modern Research Approaches in Management and Accounting, 4(12), 74-93.     https://majournal.ir/index.php/ma/article/view/353  [In Persian].

Khiong, K., Arijanto, R., Dewi, G. C., Mulyandi, M. R., Putra, R. S., Siagian, A. O., Wijoyo, H., Purwanto, A., & Fahmi, K. (2022). The role of compatibility, perceived usefulness, convenience perception and convenience perception on electronic money (e-wallet) usage interest. Journal of Positive School Psychology, 6(5), 6281-6286.            https://journalppw.com/index.php/jpsp/article/view/8070

Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(1), 283-311.   http://dx.doi.org/10.1111/j.1365-2575.2007.00269.x

Kim, Y. J., Chun, J. U., & Song, J. (2009). Investigating the role of attitude in technology acceptance from an attitude strength perspective. International Journal of Information Management, 29(1), 67-77. https://doi.org/10.1016/j.ijinfomgt.2008.01.011

Kumar, R., Singh, R., Kumar, K., Khan, S., & Corvello, V. (2023). How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India. Sustainability, 15(5), 4053. https://doi.org/10.3390/su15054053

Kwateng, K. O., Atiemo, K. A., & Appiah, C. (2019). Acceptance and use of mobile banking: An application of UTAUT2. Journal of Enterprise Information Management, 32(1), 118–151. https://doi.org/10.1108/JEIM-03-2018-0055

Lin, H. F. (2012). Determining the relative importance of mobile banking quality factors. Computer Standards & Interfaces, 35(2), 195-204. https://doi.org/10.1016/j.csi.2012.07.003

Lui, T. K., Zainuldin, M. H., Yii, K. J., Lau, L. S., & Go, Y. H. (2021). Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness. Pertanika Journal of Social Sciences & Humanities, 29(1).            http://dx.doi.org/10.47836/pjssh.29.1.22

Malaquias, F., Malaquias, R., & Hwang, Y. (2018). Understanding the determinants of mobile banking adoption: A longitudinal study in brazil. Electronic Commerce Research and Applications, 30, 1–7. http://dx.doi.org/10.1016/j.elerap.2018.05.002

Modabernia, Y., Vazifeh Doost, H., & Abdalvand, M. A. (2019). Presenting a model of customer behavior in the level of acceptance and use of electronic banking services by developing and analyzing the UTAUT theory. Development and Transformation Management, (43), 1-18. https://sanad.iau.ir/journal/jdem/Article/678995?jid=678995  [In Persian].

Momani, A. M. (2020). The unified theory of acceptance and use of technology: A new approach in technology acceptance. International Journal of Sociotechnology and Knowledge Development, 12(3), 79–98. https://doi.org/10.4018/IJSKD.2020070105

Mombeuil, C., & Uhde, H. (2021). Relative convenience, relative advantage, perceived security, perceived privacy, and continuous use intention of China’s WeChat Pay: A mixed-method two-phase design study. Journal of Retailing and Consumer Services, 59, 102384. https://doi.org/10.1016/j.jretconser.2020.102384  

Moneim, Y. F. A., Farid, S., Abdelkader, M., & A. Ragheb, M. (2024). The Impact of UTAUT, trust perspective and bank's reputation on actual use of mobile banking with mediating role of behavioral intention: An empirical study on commercial banks in Egypt. Journal of Electrical Systems, 20(4s), 1553-1562. http://dx.doi.org/10.52783/jes.2197

Mutahar, A. M., Daud, N. M., Thurasamy, R., Isaac, O., & Abdulsalam, R. (2018). The mediating of perceived usefulness and perceived ease of use: The case of mobile banking in Yemen. International Journal of Technology Diffusion (IJTD), 9(2), 21-40.             http://dx.doi.org/10.4018/IJTD.2018040102

Mützel, S. (2021). Unlocking the payment experience: Future imaginaries in the case of digital payments. New Media & Society, 23(2), 284-301.      https://doi.org/10.1177/1461444820929317

Naruetharadhol, P., Ketkaew, C., Hongkanchanapong, N., Thaniswannasri, P., Uengkusolmongkol, T., Prasomthong, S., & Gebsombut, N. (2021). Factors Affecting Sustainable Intention to Use Mobile Banking Services. SAGE Open, 11(3). https://doi.org/10.1177/21582440211029925

Nasirzadeh, F., & Godarzi, M. (2022). Investigating the effect of ease, usefulness and perceived risk, trust and social effects on the intention to use mobile banking among the customers of Melli Mubarakeh Bank. Quarterly Journal of Quantitative Researches in Management, 13(48), 51-70. https://sanad.iau.ir/Journal/qrm/Article/935177/FullText  [In Persian].

Nayanajith, G., Damunupola, K. A., & Pastor, C. K. (2020). Telebanking Adoption Intentions, Actions and Subjective Norms in the Context of Sri Lankan Private Commercial Banks. Southeast Asian Journal of Science and Technology, 5(1), 1-11. Retrieved from https://www.sajst.org/online/index.php/sajst/article/view/105

Nguyen, Y.T.H., Tapanainen, T., & Nguyen, H.T.T. (2022). Reputation and its consequences in Fintech services: the case of mobile banking. International Journal of Bank Marketing, 40(7), 1364-1397. https://doi.org/10.1108/IJBM-08-2021-0371

Octalina, L. E. ., Rahimah, A., & Arifin, Z. . (2023). Exploring the Contingent Role of Effort Expectancy on Online Purchase Intention in E-commerce Application. Jurnal Manajemen Teori Dan Terapan| Journal of Theoretical and Applied Management, 16(1), 144–161. https://doi.org/10.20473/jmtt.v16i1.41398

Olatokun, W., & Owoeye, O.J. (2012). Influence of individual, organizational and system factors on attitude of online banking users. Proceedings of Informing Science & IT Education Conference (InSITE), 12, 389-403. https://doi.org/10.28945/1662

Oliveira, T., Faria, M., Thomas, M. A., & Popovič, A. (2014). Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International Journal of Information Management, 34(5), 689-703. https://doi.org/10.1016/j.ijinfomgt.2014.06.004

Overman, S., Madalina, B., & Matthew, W. (2020). A multidimensional reputation barometer for public agencies: A validated instrument. Public Administration Review, 80, 25–41. https://doi.org/10.1111/puar.13158

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, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144

Pejić Bach, M., Starešinić, B., Omazić, M. A., Aleksić, A., & Seljan, S. (2020). m-Banking quality and bank reputation. Sustainability, 12(10), 4315. https://doi.org/10.3390/su12104315

Pelaez, A., Chen, C. W., & Chen, Y. X. (2017). Effects of Perceived Risk on Intention to Purchase: A Meta-Analysis. Journal of Computer Information Systems, 59(1), 73–84.   https://doi.org/10.1080/08874417.2017.1300514

Picoto, W. N., & Pinto, I. (2021). Cultural impact on mobile banking use–A multi-method approach. Journal of Business Research, 124, 620–628. https://doi.org/10.1016/j.jbusres.2020.10.024

Pramudito, D. K., Arijanti, S., Rukmana, A. Y., Oetomo, D. S., & Kraugusteeliana, K. (2023). The Implementation of End User Computing Satisfaction and Delone & Mclean Model to Analyze User Satisfaction of M. TIX Application. Jurnal Informasi dan Teknologi, 5(3), 7-12. https://doi.org/10.60083/jidt.v5i3.383

Pramudito, D. K., Mursitama, T., Abdinagoro, S. B., & Tanuraharjo, H. H. (2021). The Influence of Big Data Recommendation: An Approach no E-loyalty of E-grocery Business. Psychology and Education, 58(2), 3550-3564. https://doi.org/10.17762/pae.v58i2.2615

Pratama, R. R. D., & Renny, R. (2022). The role of behavioral intentions to use mobile banking: application of the utaut2 method with security, trust and risk factors. Dinasti International Journal of Management Science, 3(4), 728-741. https://doi.org/10.31933/dijms.v3i4.1141

Purohit, S., & Arora, R. (2021). Adoption of mobile banking at the bottom of the pyramid: An emerging market perspective. International Journal of Emerging Markets.            https://doi.org/10.1108/IJOEM-07-2020-0821

Rahi, S., & Munawar Khan, M. (2020). Quality paper extension of technology continuance theory (TCT) with task technology fit (TTF) in thecontext of Internet banking user continuance intention. International Journal of Quality and Reliability Management Emerald Publishing Limited, 27(3), 512-528. https://doi.org/10.1108/IJQRM-03-2020-0074

Ramadhina, N. A., Rubiyanti, N., & Mangruwa, R. D. (2025). The Influence of Performance Expectancy, Effort Expectancy, And Social Influence on Use Behavior with Behavioral Intention as A Mediator (A Case Study of Cash on Delivery (COD) System Users in Marketplaces). International Journal of Social Science and Human Research, 8(1), 215-224. https://doi.org/10.47191/ijsshr/v8-i1-24

Rejali, S., Aghabayk, K., Esmaeli, S., & Shiwakoti, N. (2023). Comparison of technology acceptance model, theory of planned behavior, and unified theory of acceptance and use of technology to assess a priori acceptance of fully automated vehicles. Transportation research part A: policy and practice, 168, 103565. https://doi.org/10.1016/j.tra.2022.103565

Sadik, M., Razalli, M. R., & Radzuan, K. (2023). Gender as a moderator: examining relationship between technology readiness, hedonic motivations and users' acceptance of mobile government services in Pakistan. International Journal of eBusiness and eGovernment Studies, 15(1), 134-173.

Salimon M. G., Yusoff R. Z. B., Mohd Mokhtar S. S. (2017). The mediating role of hedonic motivation on the relationship between adoption of e-banking and its determinants. International Journal of Bank Marketing, 35, 558-582. https://doi.org/10.1108/IJBM-05-2016-0060.

Sarstedt, M., Ringle, C. M., & Hair, J. F. (2021). Partial least squares structural equation modeling. In Handbook of market research, Cham: Springer International Publishing, 587-632. https://doi.org/10.1007/978-3-319-05542-8_15-2

Senali, M. G., Iranmanesh, M., Ismail, F. N., Rahim, N. F. A., Khoshkam, M., & Mirzaei, M. (2022). Determinants of Intention to Use e-Wallet: Personal Innovativeness and Propensity to Trust as Moderators. International Journal of Human–Computer Interaction, 39(12), 2361–2373. https://doi.org/10.1080/10447318.2022.2076309

Shahzad, K., Zhang, Q., Zafar, A. U., Ashfaq, M., & Rehman, S. U. (2023). The role of blockchain-enabled traceability, task technology fit, and user self-efficacy in mobile food delivery applications. Journal of Retailing and Consumer Services, 73, 103331.  https://doi.org/10.1016/j.jretconser.2023.103331

Sharma, S. K., Govindaluri, S. M., Al-Muharrami, S., & Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: a developing country perspective. Review of International Business and Strategy, 27(1), 133-148. https://doi.org/10.1108/RIBS-11-2016-0074

Shaw, P., & Saha, S. K. (2020). Opportunities and Challenges of Digitalization in the banking sector: an empirical study on customer’s attitude and perception towards online Banking in darjeeling district. Jamshedpur Research Review, 3(40), 1-106.

Siyal, A. W., Donghong, D., Umrani, W. A., Siyal, S., & Bhand, S. (2019). Predicting mobile banking acceptance and loyalty in Chinese bank customers. Sage Open, 9(2), 1-21.    https://doi.org/10.1177/2158244019844084

Souri, M., & Barati Duben, A. (2020). Identifying and measuring the criteria affecting the acceptance of mobile banking by customers of Sepah Bank Sistan branches using the Unified Theory of Acceptance and Use of Technology (UTAUT). 7th International Conference on New Research in Accounting, Management and Humanities in the Third Millennium, Tehran. https://civilica.com/doc/1303682  [In Persian].

 Sudirjo, F., Mustafa, F., Astuti, E. D., Tawil, M. R., & Putra, A. S. B. (2023). Analysis of The Influence of Hedonic Motivation, Digital Devices Ease Of Use Perception, Benefits Of Digital Technology And Digital Promotion On Intention To Use Of Digital Wallets Consumers. Jurnal Informasi Dan Teknologi, 33-38. https://doi.org/10.60083/jidt.v5i4.415

Sunarjo, W. A., Nurhayati, S., & Muhardono, A. (2021). Consumer behavior toward adoption of mobile payment: A case study in Indonesia during the COVID-19 pandemic. The Journal of Asian Finance, Economics and Business, 8(4), 581–590.        https://doi.org/10.13106/jafeb.2021.vol8.no4.0581

Syabila, N. A., & Khasanah, I. (2023). Analisis Pengaruh Persepsi Kemudahan Penggunaan, Manfaat, Dan Risiko Terhadap Minat Berkelanjutan Dengan Kepercayaan Sebagai Variabel Intervening (Studi pada Pengguna GoPay di Semarang). Diponegoro Journal of Management, 12(1), 1–14. https://ejournal3.undip.ac.id/index.php/djom/article/view/41738

Tan, E., & Lau, J. L. (2016). Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17(1), 18-31. https://doi.org/10.1108/YC-07-2015-00537

Venkatesh, V., Brown, S., & Hoehle, H. (2012). Understanding technology adoption in the Household context: A comparison of seven theoretical models [Conference proceddings]. European Conference on Information Systems (ECIS).

Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: four longitudinal field studies. Management Science, 46(2), 186–204.   https://doi.org/10.1287/mnsc.46.2.186.11926

Venkatesh, V., Morris, M. G., Hall, M., Davis, G. B., Davis, F. D., & Walton, S. M. (2003). User acceptance of information technology: Toward a unified view. MIS Quartely, 27(3), 425–478. https://doi.org/10.2307/30036540

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

Wafiyyah, R.S., Made, N., & Kusumadewi, W. (2021). The effect of perceived usefulness perceived ease of use and trust on repurchase intention on e-commerce shopee. International Journal of Innovative Science Engineering and Technology, 8(7), 428-434.

Winarno, W. A., Mas'ud, I., & Palupi, T. W. (2021). Perceived enjoyment, application self-efficacy, and subjective norms as determinants of behavior intention in Using OVO applications. The Journal of Asian Finance, Economics and Business, 8(2), 1189-1200.

Zarmpou, T., Saprikis, V., Markos, A., & Vlachopoulou, M. (2012). Modeling users’ acceptance of mobile services. Electronic Commerce Research, 12(2), 225–248. https://dl.acm.org/doi/abs/10.1007/s10660-012-9092-x

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

Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTAUT to explain mobilebanking user adoption. Computers in Human Behavior, 26(4), 760–767.      https://doi.org/10.1016/j.chb.2010.01.013