Unraveling the dynamics of mobile wallets in promoting cashless tourism in Bangladesh: implementation of UTAUT2 model

S.M. Nafiz Rayun is a Graduate Student at Noakhali Science and Technology University (NSTU), specializing in Management Information Systems with four years of hands-on research experience in AI in business, emerging technologies, digital payment system and MIS frameworks. He has co-authored multiple peer-reviewed publications and received accolades such as Best Paper at the Fourth ICBEF (2023), Best Presenter at the Industry 4.0 Conference (2024) and Best Proposal and Poster at Research Project Contest 1.1 (2025). As a Research Assistant under Assistant Professor Muhammad Abdus Salam, Rayun has conducted advanced data analysis using SmartPLS, SPSS and Python, often applying UTAUT, UTAUT2 and TPB models in tech adoption studies.

Muhammad Abdus Salam, commonly known as Salam Shadhin, is an Academic and Researcher who is currently pursuing a PhD at the UBD School of Business and Economics, Universiti Brunei Darussalam (UBD). He also serves as an Assistant Professor at Noakhali Science and Technology University (NSTU) in Bangladesh. His research interests include Human-AI Interaction, AI Commercialization, Artificial Intelligence in Consumer Research, AI Marketing, Digital Consumer Engagement, Digital Business and Emerging Technologies. He completed his Bachelor of Business Administration (BBA) and Master of Business Administration (MBA) from the University of Dhaka (DU). He received the Best Paper Award at the Fourth International Conference on Business, Economics and Finance (ICBEF), held at Universiti Brunei Darussalam (UBD) in 2023, as well as the PhD Colloquium Award 2025, organized by the UBD School of Business and Economics (UBDSBE). As a researcher, he has presented papers at numerous national and international conferences, seminars and symposia. He has also served as a moderator and session chair at many international conferences and played a vital role as a member of the organizing committee for several of them.

Waziha Islam is a Graduate Student at Noakhali Science and Technology University, has dedicated four years to academic research, contributing to multiple projects. Her expertise was recognized with the Best Presenter Award at the International Conference on Embracing Industry 4.0 for Sustainable Business Growth in 2024. Her research interests include technology adoption, cashless tourism, technology adoption in tourism and smart tourism.

Egi Arvian Firmansyah is a Lecturer and Researcher at Universitas Padjadjaran (Unpad), Indonesia. His research interest includes several topics related to fintech, Islamic fintech, systematic literature review, bibliometric approach and Islamic mortgage. He has published several articles on those topics in national and international journals and conference proceedings. He is also an active reviewer in international peer-reviewed journals, such as Cogent Business & Management, Journal of Islamic Accounting and Business Research, Financial Innovation, Cogent Economics & Finance and Applied Economics. Currently, he is also a PhD candidate in finance at Universiti Brunei Darussalam (UBD).

Kassim Kalinaki is a Computer Science Researcher, Technologist and Educator with more than 10 years of experience in industry and academia. He received his Diploma in Computer engineering from Kyambogo University, a BSc in computer science and engineering and an MSc. Computer Science and Engineering from Bangladesh's Islamic University of Technology (IUT). Since 2014, He has lectured at the Islamic University in Uganda (IUIU), where he most recently served as the Head of Department Computer Science department (2019–2022). In 2024, he completed his PhD in Computer Science in the School of Digital Science (SDS) at Universiti Brunei Darussalam (UBD). He has authored and co-authored several published peer-reviewed articles in renowned journals and publishers, including Springer, Elsevier, Taylor & Francis, IGI Global, Emerald and IEEE.