Previous literature employing fintech services
| Author (s) and year | Model | Context |
|---|---|---|
| Seyum et al. (2025) | TAM-ECM | Fintech services, Ethiopia |
| Sleiman et al. (2022) | ECM-UTAUT2 | Mobile Payments, Sudan |
| Pasha, Lewaaelhamd, and Fahmy (2026) | TAM2, ECM, HBM | Internet banking, Egypt |
| Singh, Jaiswal, and Yousaf (2026) | TAM, EECM | Mobile wallet, India |
| Rahman et al. (2024) | TCT | Mobile wallet, Vietnam |
| Ali and Subramanian (2024) | UTAUT2, ECM | Smartphone-based payment services, India |
| Pandian and Ganesan (2025) | TAM, ECM | Digital wallet |
| Author (s) and year | Model | Context |
|---|---|---|
| TAM-ECM | Fintech services, Ethiopia | |
| ECM-UTAUT2 | Mobile Payments, Sudan | |
| TAM2, ECM, HBM | Internet banking, Egypt | |
| TAM, EECM | Mobile wallet, India | |
| TCT | Mobile wallet, Vietnam | |
| UTAUT2, ECM | Smartphone-based payment services, India | |
| TAM, ECM | Digital wallet |
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