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Keywords: Cyclic effect
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Journal Articles
International Journal of Bank Marketing (2026) 44 (7): 1395–1423.
Published: 23 January 2026
... to comprehensively investigate the role of financial literacy as a mediator between the intention to use and actual adoption of Paytech services, while also exploring the potential cyclical effects arising from usage. Although previous research has primarily examined the direct impact of financial literacy...
