How does cybersecurity awareness help in achieving digital financial inclusion in rural India under escalating cyber fraud scenario?

References

• Pal M, Gupta H, Joshi YC. Social and economic empowerment of women through financial inclusion: empirical evidence from India. Equal Diver Incl An Inter J. 2021;41(2):294–305. doi: 10.1108/EDI-04-2021-0113
   Web of Science ®Google Scholar
• Chipunza KJ, Fanta A. Quality financial inclusion and its determinants in South Africa: evidence from survey data. Afr J Bus Manage. 2021;13(2):177–189. doi: 10.1108/AJEMS-06-2021-0290
   Google Scholar
• Grohmann A, Klühs T, Menkhoff L. Does financial literacy improve financial inclusion? Cross country evidence. World Dev. 2018;111:84–96. doi: 10.1016/j.worlddev.2018.06.020
   Web of Science ®Google Scholar
• Park C-Y, Mercado JR. Financial inclusion, poverty, and income inequality in developing asia. SSRN Electronic Journal. 2015. doi: 10.2139/ssrn.2558936
   Google Scholar
• Zhang S, Posso A. Thinking inside the box: a closer look at financial inclusion and household income. J Dev Stud. 2019;55(7):1616–1631. doi: 10.1080/00220388.2017.1380798
   Web of Science ®Google Scholar
• Sikdar P, Kumar A. Payment bank: a catalyst for financial inclusion. Asia-Pacific J Manage Res Innov. 2016;12(3–4):226–231. doi: 10.1177/2319510X17696648
   Google Scholar
• Dara S. Digitalisation in Indian banks. 2017. https://wwjmrd.com/archive/2017/11/570/digitalisation-in-indian-banks
   Google Scholar
• Iqbal BA, Sami S. Role of banks in financial inclusion in India. Contaduría y Administración. 2017;62(2):644–656. doi: 10.1016/j.cya.2017.01.007
   Google Scholar
• Baptista G, Oliveira T. A weight and a meta-analysis on mobile banking acceptance research. Comput Hum Behav. 2016;63:480–489. doi: 10.1016/j.chb.2016.05.074
   Web of Science ®Google Scholar
• Barruetabeña E. Impact of new technologies on financial inclusion (SSRN Scholarly Paper 3628140). 2020. https://papers.ssrn.com/abstract=3628140
   Google Scholar
• Ali J, Ghildiyal AK. Socio-economic characteristics, mobile phone ownership and banking behaviour of individuals as determinants of digital financial inclusion in India. IJSE, ahead-of-print(ahead-of-print). 2023;50(10):1375–1392. doi: 10.1108/IJSE-10-2022-0673
   Google Scholar
• Simon TD. Determinants of financial inclusion in India (SSRN Scholarly Paper 3735850). 2020. https://papers.ssrn.com/abstract=3735850
   Google Scholar
• Draboo. Financial inclusion and digital India: a critical assessment | semantic scholar. 2020. https://www.semanticscholar.org/paper/Financial-Inclusion-and-Digital-India%3A-A-Critical-Draboo/a140f590f707aa8aaa23cf8049d032204f14931f
   Google Scholar
• Pramani R, Iyer SV. Adoption of payments banks: a grounded theory approach. J Financ Serv Mark. 2023;28(1):43–57. doi: 10.1057/s41264-021-00133-w
   Web of Science ®Google Scholar
• Yadav V, Singh BP, Velan N. Multidimensional financial inclusion index for Indian states. J Pub Aff. 2021;21(3):e2238. doi: 10.1002/pa.2238
   Web of Science ®Google Scholar
• Mahadeva M. Financial growth in India: whither financial inclusion? Margin J Appl Econ Syst Res. 2008;2(2):177–197. doi: 10.1177/097380100800200202
   Google Scholar
• Ramadani S, Siahaan APU, Sutrisno S. Impact of Cybercrime on Technological and Financial Developments. Inter J for Inov Res in Multi Field. 2018;4:341–344. https://www.researchgate.net/publication/329001306
   Google Scholar
• Akinbowale OE, Klingelhöfer HE, Zerihun MF. The assessment of the impact of cyberfraud in the South African banking industry. J Financ Crime, ahead-of-print(ahead-of-print). 2023. doi: 10.1108/JFC-04-2023-0094
   Google Scholar
• Khan A, Mubarik MS, Naghavi N. What matters for financial inclusions? Evidence from emerging economy. Inter J Financ Econ. 2023;28(1):821–838. doi: 10.1002/ijfe.2451
   Web of Science ®Google Scholar
• PWC. Top financial services issues of 2017. 2016. https://www.pwc.ch/en/publications/2017/pwc_top_financial_services_issues_2017_en.pdf
   Google Scholar
• Ubaid S, Shakil Alam MT, Sohail SS. Rising cyber crime in rural India: a review. Int Adv Res Sci Comm Tech. 2021:199–205. doi: 10.48175/IJARSCT-1372
   Google Scholar
• AAG IT Support. The latest cyber crime statistics (updated June 2023). 2023 [cited 2023 Jun 12]. Available from: https://aag-it.com/the-latest-cyber-crime-statistics/
   Google Scholar
• Business Insider. SBI leaves its server without any password protection. Business Insider; 2019. https://www.businessinsider.in/tech/news/biggest-data-breaches-of-2019-to-affect-india/articleshow/72465865.cms
   Google Scholar
• Awan PDAG, Malik S. The impact of cybercrimes on the efficiency of banking sector of pakistan. Glob J Manag Soc Sci Humanit. 2018. https://www.academia.edu/37822452/THE_IMPACT_OF_CYBERCRIMES_ON_THE_EFFICIENCY_OF_BANKING_SECTOR_OF_PAKISTAN
   Google Scholar
• Chen Z, Yang X, Zhu Y. Research on hierarchical network security situation awareness data fusion method in big data environment. J Cyber Secur. 2024;8(1):31–52. doi: 10.1080/23742917.2023.2243116
   Google Scholar
• Olga Greuter K, Sarmah DK. The baseline of global consumer cyber security standards for IoT: quality evaluation. J Cyber Secur. 2022;6(4):175–200. doi: 10.1080/23742917.2022.2105192
   Google Scholar
• The Economic Times. Financial frauds accounted for over 75% cybercrimes since 2020: study - ET CISO. ETCISO.In; 2023. https://ciso.economictimes.indiatimes.com/news/cybercrime-fraud/financial-frauds-accounted-for-over-75-cybercrimes-since-2020-study/103766807
   Google Scholar
• Abid S. Payment banks: a revolutionary step in Indian banking system. IOSR J Financ Econ. 2017;7(6):81–83.
   Google Scholar
• Goel U, Manrai R. Payment banks: sustainable game changer or a passing fad. 2016.
   Google Scholar
• Klapper L, Singer D. The opportunities of digitizing payments. 2014. http://hdl.handle.net/10986/19917
   Google Scholar
• Siano A, Raimi L, Palazzo M, et al. Mobile banking: an innovative solution for increasing financial inclusion in Sub-Saharan African countries: evidence from Nigeria. Sustainability. 2020;12(23), Article 23. 10130. doi: 10.3390/su122310130
   Web of Science ®Google Scholar
• World Bank. Overview [Text/HTML]. World Bank; 2020. https://www.worldbank.org/en/topic/financialinclusion/overview
   Google Scholar
• Danladi S, Prasad MSV, Modibbo UM, et al. Attaining sustainable development goals through financial inclusion: exploring collaborative approaches to Fintech adoption in developing economies. Sustainability. 2023;15(17), Article 17. 13039. doi: 10.3390/su151713039
   Web of Science ®Google Scholar
• Lutfi A, Al-Okaily M, Alshirah MH, et al. Digital financial inclusion sustainability in Jordanian context. Sustainability. 2021;13(11), Article 11. 6312. doi: 10.3390/su13116312
   Web of Science ®Google Scholar
• Demirgüç-Kunt A, Klapper L, Singer D, et al. The global findex database 2017: measuring financial inclusion and opportunities to expand access to and use of financial services. World Bank Econ Rev. 2020;34(Supplement_1):S2–S8. doi: 10.1093/wber/lhz013
   Google Scholar
• World Bank. Financial inclusion on the rise, but gaps remain, global findex database shows. World Bank; 2018. https://www.worldbank.org/en/news/press-release/2018/04/19/financial-inclusion-on-the-rise-but-gaps-remain-global-findex-database-shows
   Google Scholar
• Gai K, Qiu M, Sun X. A survey on FinTech. J Network Comput Appl. 2018;103:262–273. doi: 10.1016/j.jnca.2017.10.011
   Web of Science ®Google Scholar
• Bhasin NK, Rajesh A. A study of digital payments: trends, challenges and implementation in Indian banking system. Int J Virtual Communities Soc Netw. 2018;10(1):46–64. doi: 10.4018/IJVCSN.2018010104
   Google Scholar
• Kanungo RP, Gupta S. Financial inclusion through digitalisation of services for well-being. Technol Forecasting Social Change. 2021;167(C):120721. doi: 10.1016/j.techfore.2021.120721
   Google Scholar
• Jain. Role of banks in financial inclusion and rural development | J Bank Insur Law. 2019. https://lawjournals.celnet.in/index.php/jbil/article/view/163
   Google Scholar
• Kumar N. Financial inclusion and its determinants: evidence from India. J Financ Econ Policy. 2013;5(1):4–19. doi: 10.1108/17576381311317754
   Google Scholar
• Mohapatra MR, Moirangthem NS, Vishwakarma P. Mobile banking adoption among rural consumers: evidence from India. American Bus Rev. 2020;23(2):300–315. doi: 10.37625/abr.23.2.300-315
   Google Scholar
• Hannig A, Jansen S. Financial inclusion and financial stability: current policy issues. SSRN Electron J. 2010. doi: 10.2139/ssrn.1729122
   Google Scholar
• Soyemi KA, Olowofela OE, Yunusa LA. Financial inclusion and sustainable development in Nigeria. J Econo Manage. 2020;39(1):105–131. doi: 10.22367/jem.2020.39.06
   Google Scholar
• Mondal D. Impact of payment bank in financial inclusion: a case study of India post payment bank. Manage J Adv Res. 2022;2(6):24–31. doi: 10.54741/mjar.2.6.5
   Google Scholar
• Chakiso C. Factors affecting attitudes towards adoption of mobile banking: users and non-users perspectives. EMAJ Emerg Mark Rev. 2019;9(1):54–62. doi: 10.5195/emaj.2019.167
   Google Scholar
• Kaur J, Kaur S, Syan AS, et al. Factors influencing the adoption of payment banks in India using an extended TAM. Asia-Pacific J Manage Res Innov. 2020;16(4):309–321. doi: 10.1177/2319510X211013598
   Google Scholar
• Damghanian H, Zarei A, Kojuri M. Impact of perceived security on trust, perceived risk, and acceptance of online banking in Iran. J Internet Commer. 2016;15(3):214–238. doi: 10.1080/15332861.2016.1191052
   Web of Science ®Google Scholar
• Sukkar A, Hasan H. Toward a model for the acceptance of internet banking in developing countries. Inf Technol Dev. 2005;11(4):381–398. doi: 10.1002/itdj.20026
   Google Scholar
• Abbas N, Ahmad R, Qazi S, et al. Investigation of trust models to alleviate the authentication challenge in FinTech. 2022:174–191. doi: 10.4018/978-1-6684-5284-4.ch009
   Google Scholar
• Bamoriya DP, Singh P. Mobile banking in India: barriers in adoption and service preferences (SSRN Scholarly Paper 2242836). 2013. https://papers.ssrn.com/abstract=2242836
   Google Scholar
• Wang Y-S, Wang Y-M, Lin H-H, et al. Determinants of user acceptance of internet banking: an empirical study. Serv Ind J. 2003;14(5):501–519. doi: 10.1108/09564230310500192
   Web of Science ®Google Scholar
• Ali S, Bharadwaj R. Factor analysis approach of decision making in Indian e-banking: a value adding consumer’s perspective. Int J Bus Innovat Res. 2010;4. doi: 10.1504/IJBIR.2010.033349
   Google Scholar
• Shahzad A, Zahrullail N, Akbar A, et al. COVID-19’s impact on fintech adoption: behavioral intention to use the financial portal. JRFM. 2022;15(10):428. doi: 10.3390/jrfm15100428
   Google Scholar
• Rogers EM, Shoemaker FF. Communication of innovations; a cross-cultural approach. New York, N: The Free Press, 866 Third Avenue; 1971.
   Google Scholar
• Sathye M. Adoption of internet banking by Australian consumers: an empirical investigation. Int J Bank Mark. 1999;17(7):324–334. doi: 10.1108/02652329910305689
   Google Scholar
• Oliveira T, Thomas M, Baptista G, et al. Mobile payment: understanding the determinants of customer adoption and intention to recommend the technology. Comput Hum Behav. 2016;61:404–414. doi: 10.1016/j.chb.2016.03.030
   Web of Science ®Google Scholar
• Shankar A, Kumari P. Factors affecting mobile banking adoption behavior in India. J Internet Bank Commer. 2016. https://www.semanticscholar.org/paper/Factors-Affecting-Mobile-Banking-Adoption-Behavior-Shankar-Kumari/1bbb6cec90abe239b65c321318227817560d2add
   Google Scholar
• Martins C, Oliveira T, Popovič A. Understanding the internet banking adoption: a unified theory of acceptance and use of technology and perceived risk application. Inter J Inf Manage. 2014;34(1):1–13. doi: 10.1016/j.ijinfomgt.2013.06.002
   Web of Science ®Google Scholar
• Mehta DN, Sweety. Payment Banks: Digital Revolution in Indian Banking System (SSRN Scholarly Paper 3654954). 2020. https://papers.ssrn.com/abstract=3654954
   Google Scholar
• Venkatesh V, Morris MG, Davis GB, et al. User acceptance of information technology: toward a unified view. MIS Quarterly. 2003;27(3):425–478. doi: 10.2307/30036540
   Web of Science ®Google Scholar
• Nui Polatoglu V, Ekin S. An empirical investigation of the Turkish consumers’ acceptance of internet banking services. Int J Bank Mark. 2001;19(4):156–165. doi: 10.1108/02652320110392527
   Google Scholar
• Carlos Roca J, José García J, José de la Vega J. The importance of perceived trust, security and privacy in online trading systems. Inf Manage Comput Secur. 2009;17(2):96–113. doi: 10.1108/09685220910963983
   Google Scholar
• Javaid A. Cyber security: challenges ahead. SSRN Electron J. 2013. doi: 10.2139/ssrn.3281086
   Google Scholar
• McConnell PJ, Blacker K. Systemic operational risk: does it exist and, if so, how do we regulate it? (SSRN Scholarly Paper 2250660). 2013. https://papers.ssrn.com/abstract=2250660
   Google Scholar
• Dave P. Financial cyber frauds in India 2022 and learnings for 2023. The Times of India; 2023 [cited 2023 Jun 22]. Available from: https://timesofindia.indiatimes.com/blogs/voices/financial-cyber-frauds-in-india-2022-and-learnings-for-2023/
   Google Scholar
• Financial Express. Cybersecurity frontline: securing India’s digital finance infrastructure in 2024. Financialexpress; [cited 2024 Feb 4]. Available from: https://www.financialexpress.com/business/digital-transformation-cybersecurity-frontline-securing-indias-digital-finance-infrastructure-in-2024-3383834/
   Google Scholar
• Times of India. Cyber crime losses rise to rs 63 crore in FY20-21: govt. The Times of India; [ cited 2022 Mar 30]. Available from: https://timesofindia.indiatimes.com/business/india-business/cyber-crime-losses-rise-to-rs-63-crore-in-fy20-21-govt/articleshow/90532711.cms
   Google Scholar
• Standard, B. Private banks reported most data breaches in 2018-22: parliament told. [cited 2022 Aug 2]. Available from: https://www.business-standard.com/article/companies/private-banks-reported-most-data-breaches-in-2018-22-parliament-told-122080201419_1.html
   Google Scholar
• BFSI. Rapid digitisation of banks invites cyber risks as well. What are the risks, and what should banks do?? - ET BFSI. ETBFSI.Com; 2021 [cited 2023 22]. Available from: https://bfsi.economictimes.indiatimes.com/news/banking/rapid-digitisation-of-banks-invites-cyber-risks-as-well-what-are-the-risks-and-what-should-banks-do/86348386
   Google Scholar
• Kraemer E, Tang P, Rush H. The cybercrime ecosystem: online innovation in the shadows? Technology Forecasting Social Change. 2013;80(3):541–555. doi: 10.1016/j.techfore.2012.07.002
   Web of Science ®Google Scholar
• Lagazio M, Sherif N, Cushman M. A multi-level approach to understanding the impact of cyber crime on the financial sector. Computers & Security. 2014;45:58–74. doi: 10.1016/j.cose.2014.05.006
   Web of Science ®Google Scholar
• Bankole FO, Bankole OO, Brown I. Mobile banking adoption in Nigeria. Electron J Inf Syst Dev Ctries. 2011;47(1):1–23. doi: 10.1002/j.1681-4835.2011.tb00330.x
   Google Scholar
• Venkatesh V, Davis FD. A theoretical extension of the technology acceptance model: four longitudinal field studies. Manage Sci. 2000;46(2):186–204. doi: 10.1287/mnsc.46.2.186.11926
   Web of Science ®Google Scholar
• Baptista G, Oliveira T. Understanding mobile banking: the unified theory of acceptance and use of technology combined with cultural moderators. Comput Hum Behav. 2015;50:418–430. doi: 10.1016/j.chb.2015.04.024
   Web of Science ®Google Scholar
• Rahman M, Ismail I, Bahri S. Analysing consumer adoption of cashless payment in Malaysia. Digit Bus. 2020;1(1):100004. doi: 10.1016/j.digbus.2021.100004
   Google Scholar
• Rogers EM. Diffusion of innovations. 4th ed. Simon and Schuster; 2003. https://www.simonandschuster.com/books/Diffusion-of-Innovations-4th-Edition/Everett-M-Rogers/9781451602470
   Google Scholar
• Agarwal R, Prasad J. A conceptual and operational definition of personal innovativeness in the domain of information technology. Inf Syst Res. 1998;9(2):204–215. doi: 10.1287/isre.9.2.204
   Web of Science ®Google Scholar
• Al-Adwan AS, Al-Debei MM. The determinants of Gen Z’s metaverse adoption decisions in higher education: integrating UTAUT2 with personal innovativeness in it. Educ Inf Technol. 2023. doi: 10.1007/s10639-023-12080-1
   PubMed Web of Science ®Google Scholar
• Bouteraa M, Raja Hisham RRI, Zainol Z. Challenges affecting bank consumers’ intention to adopt green banking technology in the UAE: a UTAUT-based mixed-methods approach. J Islam Mark. 2022;14(10):2466–2501. doi: 10.1108/JIMA-02-2022-0039
   Web of Science ®Google Scholar
• Senyo P, Osabutey ELC. Unearthing antecedents to financial inclusion through FinTech innovations. Technovation. 2020;98:102155. doi: 10.1016/j.technovation.2020.102155
   Web of Science ®Google Scholar
• Shree S, Pratap B, Saroy R, et al. Digital payments and consumer experience in India: a survey based empirical study. J Bank Fin Tech. 2021;5(1):1–20. doi: 10.1007/s42786-020-00024-z
   Google Scholar
• Bajwa IA, Ahmad S, Mahmud M, et al. The impact of cyberattacks awareness on customers’ trust and commitment: an empirical evidence from the Pakistani banking sector. Inf Comput Secur. 2023;31(5):635–654. doi: 10.1108/ICS-11-2022-0179
   Web of Science ®Google Scholar
• Stewart H, Jürjens J. Data security and consumer trust in FinTech innovation in Germany. Inf Comput Secur. 2018;26(1):109–128. doi: 10.1108/ICS-06-2017-0039
   Google Scholar
• Almaiah MA, Al-Otaibi S, Shishakly R. Investigating the role of perceived risk, perceived security and perceived trust on smart m-banking application using SEM. Sustainability. 2023;15(13):9908. doi: 10.3390/su15139908
   Web of Science ®Google Scholar
• Farah MF, Hasni MJS, Abbas AK. Mobile-banking adoption: empirical evidence from the banking sector in Pakistan. Int J Bank Mark. 2018;36(7):1386–1413. doi: 10.1108/IJBM-10-2017-0215
   Web of Science ®Google Scholar
• Almaiah MA, Hajjej F, Lutfi A, et al. Explaining the factors affecting students’ attitudes to using online learning (madrasati platform) during COVID-19. Electronics, 2022, 11(7), Article 7. 973. doi: 10.3390/electronics11070973
   Web of Science ®Google Scholar
• Barkhordari M, Nourollah Z, Mashayekhi H, et al. Information systems and E-Business management. Inf Syst E-Bus Manag. 2017;15(1):89–116. doi: 10.1007/s10257-016-0311-1
   Google Scholar
• Nangin M, Barus I, Wahyoedi S. The effects of perceived ease of use, security, and promotion on trust and its implications on fintech adoption. J Consum Sci. 2020;5(2):124–138. doi: 10.29244/jcs.5.2.124-138
   Google Scholar
• Shankar A, Datta B. Factors affecting mobile payment adoption intention: an Indian perspective. Glob Bus Rev. 2018;19(3_suppl):S72–S89. doi: 10.1177/0972150918757870
   Web of Science ®Google Scholar
• Iqbal J, Soroya SH, Mahmood K. Financial information security behavior in online banking. Inf Dev. 2023:02666669221149346. doi: 10.1177/02666669221149346
   Web of Science ®Google Scholar
• Purohit H, Dadhich M, Ajmera PK. Analytical study on users’ awareness and acceptability towards adoption of multimodal biometrics (MMB) mechanism in online transactions: a two-stage SEM-ANN approach. Multimedia Tools Appl. 2023;82(9):14239–14263. doi: 10.1007/s11042-022-13786-z
   PubMed Web of Science ®Google Scholar
• Zhang W, Siyal S, Riaz S, et al. Data security, customer trust and intention for adoption of Fintech services: an empirical analysis from commercial bank users in Pakistan. Sage Open. 2023;13(3):21582440231181388. doi: 10.1177/21582440231181388
   Web of Science ®Google Scholar
• Serdarušić H, Pancić M, Zavišić Ž. Green finance and Fintech adoption services among Croatian online users: how digital transformation and digital awareness increase banking sustainability. Economies. 2024;12(3), Article 3. 54. doi: 10.3390/economies12030054
   Web of Science ®Google Scholar
• Ly B, Ly R. Internet banking adoption under technology acceptance model—evidence from Cambodian users. Comput Human Behav Rep. 2022;7:100224. doi: 10.1016/j.chbr.2022.100224
   Google Scholar
• Kelly S, Kaye S-A, Oviedo-Trespalacios O. What factors contribute to the acceptance of artificial intelligence? A systematic review. Telemat Inform. 2023;77:101925. doi: 10.1016/j.tele.2022.101925
   Web of Science ®Google Scholar
• Wu I-L, Chen J-L. An extension of trust and TAM model with TPB in the initial adoption of on-line tax: an empirical study. Inter J Human Comp Stud. 2005;62(6):784–808. doi: 10.1016/j.ijhcs.2005.03.003
   Web of Science ®Google Scholar
• Purwantini AH, Anisa F. Fintech payment adoption among micro-enterprises: the role of perceived risk and trust. Jurnal ASET (Akuntansi Riset). 2021;13(2):375–386. doi: 10.17509/jaset.v13i2.37212
   Google Scholar
• Park J, Amendah E, Lee Y. Sci-hub | M-payment service: interplay of perceived risk, benefit, and trust in service adoption |. 2015. doi: 10.1002/hfm.20750
   Google Scholar
• Yang Q, Pang C, Liu L, et al. Exploring consumer perceived risk and trust for online payments: an empirical study in China’s younger generation. Comput Hum Behav. 2015;50:9–24. doi: 10.1016/j.chb.2015.03.058
   Web of Science ®Google Scholar
• Alshboul Y, Al Hamouri N. Cybersecurity antecedents of trust: toward OPS adoption in Jordan. Int J Inf Decis Sci. 2023;15(1):73–93. doi: 10.1504/IJIDS.2023.129654
   Google Scholar
• Malaquias RF, Hwang Y. Mobile banking use: a comparative study with Brazilian and U.S. participants. Inter J Inf Manage. 2019;44:132–140. doi: 10.1016/j.ijinfomgt.2018.10.004
   Web of Science ®Google Scholar
• Migliore G, Wagner R, Cechella FS, et al. Antecedents to the adoption of mobile payment in China and Italy: an integration of UTAUT2 and innovation resistance theory. Inform Syst Front. 2022;24(6):2099–2122. doi: 10.1007/s10796-021-10237-2
   PubMed Web of Science ®Google Scholar
• Marcinkiewicz V, Morgan PL. Trust and blame in self-driving cars following a successful cyber attack. In: Moallem A, editor. HCI for cybersecurity, privacy and trust. Springer Nature Switzerland; 2023. pp. 323–337. doi: 10.1007/978-3-031-35822-7_22
   Google Scholar
• Ambore S, Richardson C, Dogan H, et al. A resilient cybersecurity framework for Mobile Financial Services (MFS). J Cyber Secur. 2017;1(3–4):202–224. doi: 10.1080/23742917.2017.1386483
   Google Scholar
• Gurung A, Luo X, Raja MK. An empirical investigation on customer’s privacy perceptions, trust and security awareness in E-commerce environment. J Inf Secur. 2008;4(1):42–60. doi: 10.1080/2333696X.2008.10855833
   Google Scholar
• Mungo J. Self-paced cybersecurity awareness training educating retail employees to identify phishing attacks. J Cyber Secur. 2023;0(0):1–49. doi: 10.1080/23742917.2023.2244210
   Google Scholar
• Allam S, Flowerday SV, Flowerday E. Smartphone information security awareness: a victim of operational pressures. Computers & Security. 2014;42:56–65. doi: 10.1016/j.cose.2014.01.005
   Web of Science ®Google Scholar
• Malladi CM, Soni RK, Srinivasan S. Digital financial inclusion: next frontiers—challenges and opportunities. CSI Trans ICT. 2021;9(2):127–134. doi: 10.1007/s40012-021-00328-5
   Google Scholar
• Krishna B, Krishnan S, Sebastian MP. Understanding the process of building institutional trust among digital payment users through national cybersecurity commitment trustworthiness cues: a critical realist perspective. Inform Technol People, ahead-of-print. 2023. doi: 10.1108/ITP-05-2023-0434
   Web of Science ®Google Scholar
• Terry DJ. Self-efficacy expectancies and the theory of reasoned action. In: Terry DJ, Gallois C, McCamish M, editors. The theory of reasoned action: its application to AIDS-preventive behaviour. Pergamon Press; 1993. pp. 135–151. https://psycnet.apa.org/record/1994-97243-008
   Google Scholar
• Khechine H, Raymond B, Augier M. The adoption of a social learning system: intrinsic value in the UTAUT model. Brit J Educ Tech. 2020;51(6):2306–2325. doi: 10.1111/bjet.12905
   Web of Science ®Google Scholar
• Moorthy K, Chun T’ing L, Chea Yee K, et al. What drives the adoption of mobile payment? A Malaysian perspective. Int J Fin Econ. 2020;25(3):349–364. doi: 10.1002/ijfe.1756
   Web of Science ®Google Scholar
• Al-Sabaawi MYM, Alshaher AA, Alsalem MA. User trends of electronic payment systems adoption in developing countries: an empirical analysis. J Sci Technol Policy Manage. 2021;14(2):246–270. doi: 10.1108/JSTPM-11-2020-0162
   Web of Science ®Google Scholar
• Yiu CS, Grant K, Edgar D. Factors affecting the adoption of internet banking in Hong Kong—implications for the banking sector. Inter J Inf Manage. 2007;27(5):336–351. doi: 10.1016/j.ijinfomgt.2007.03.002
   Web of Science ®Google Scholar
• Chong AY-L, Chan FTS, Ooi K-B. Predicting consumer decisions to adopt mobile commerce: cross country empirical examination between China and Malaysia. Decis Support Syst. 2012;53(1):34–43. doi: 10.1016/j.dss.2011.12.001
   Web of Science ®Google Scholar
• Kim C, Mirusmonov M, Lee I. An empirical examination of factors influencing the intention to use mobile payment. Comput Hum Behav. 2010;26(3):310–322. doi: 10.1016/j.chb.2009.10.013
   Web of Science ®Google Scholar
• Tiwari P, Tiwari SK, Gupta A. Examining the impact of customers’ awareness, risk and trust in M-Banking adoption. FIIB Bus Rev. 2021;10(4):413–423. doi: 10.1177/23197145211019924
   Google Scholar
• Montazemi AR, Qahri-Saremi H. Factors affecting adoption of online banking: a meta-analytic structural equation modeling study. Inf Manage. 2015;52(2):210–226. doi: 10.1016/j.im.2014.11.002
   Web of Science ®Google Scholar
• Namahoot KS, Laohavichien T. Assessing the intentions to use internet banking: the role of perceived risk and trust as mediating factors. Int J Bank Mark. 2018;36(2):256–276. doi: 10.1108/IJBM-11-2016-0159
   Web of Science ®Google Scholar
• Giovanis A, Athanasopoulou P, Assimakopoulos C, et al. Adoption of mobile banking services: a comparative analysis of four competing theoretical models. Int J Bank Mark. 2019;37(5):1165–1189. doi: 10.1108/IJBM-08-2018-0200
   Web of Science ®Google Scholar
• Warsame MH, Ireri EM. Moderation effect on mobile microfinance services in Kenya: an extended UTAUT model. J Behav Exp Financ. 2018;18:67–75. doi: 10.1016/j.jbef.2018.01.008
   Web of Science ®Google Scholar
• Namahoot KS, Jantasri V. Integration of UTAUT model in Thailand cashless payment system adoption: the mediating role of perceived risk and trust. J Sci Technol Policy Manage. 2022;14(4):634–658. doi: 10.1108/JSTPM-07-2020-0102
   Web of Science ®Google Scholar
• Rofiq A. Impact of cyber fraud and trust of e-commerce system on purchasing intentions: analysing planned behaviour in Indonesian business [ Phd]. University of Southern Queensland; 2012. https://research.usq.edu.au/item/q1yq3/impact-of-cyber-fraud-and-trust-of-e-commerce-system-on-purchasing-intentions-analysing-planned-behaviour-in-indonesian-business
   Google Scholar
• Limna P, Kraiwanit T, Siripipattanakul S. The relationship between cyber security awareness, knowledge, and behavioural choice protection among mobile banking users in Thailand. Int J Comput Sci Res. 2022;6:1–19. doi: 10.25147/ijcsr.2017.001.1.123
   Google Scholar
• Deb M, Agrawal A. Factors impacting the adoption of m-banking: understanding brand India’s potential for financial inclusion. J Asia Bus Stud. 2017;11(1):22–40. doi: 10.1108/JABS-11-2015-0191
   Google Scholar
• Gefen D, Rigdon E, Straub D. An update and extension to SEM guidelines for administrative and social science research. Editorial Comment MIS Quarterly. 2011;35(2):III–XII. doi: 10.2307/23044042
   Web of Science ®Google Scholar
• Hair JF, Hult GTM, Ringle CM, et al. Mirror, mirror on the wall: a comparative evaluation of composite-based structural equation modeling methods. J Acad Mark Sci. 2017;45(5):616–632. doi: 10.1007/s11747-017-0517-x
   Web of Science ®Google Scholar
• Hair JF, Risher JJ, Sarstedt M, et al. When to use and how to report the results of PLS-SEM. Eur Bus Rev. 2019;31(1):2–24. doi: 10.1108/EBR-11-2018-0203
   Web of Science ®Google Scholar
• Fornell C, Larcker DF. Evaluating structural equation models with unobservable variables and measurement error. J Marketing Res. 1981;18(1):39–50. doi: 10.1177/002224378101800104
   Web of Science ®Google Scholar
• Sarstedt M, Ringle C, Smith D, et al. Partial least squares structural equation modeling (PLS-SEM) a useful tool for family business researchers. J Fam Bus Strat. 2014;5(1):105–115. doi: 10.1016/j.jfbs.2014.01.002
   Web of Science ®Google Scholar
• Apau R, Koranteng F. Impact of cybercrime and trust on the use of E-Commerce technologies: an application of the theory of planned behavior. Inter J Of Cyber Crimin. 2020;13:228–254. doi: 10.5281/zenodo.3697886
   Web of Science ®Google Scholar
• Khalilzadeh J, Ozturk AB, Bilgihan A. Security-related factors in extended UTAUT model for NFC-based mobile payment in the restaurant industry. Comput Hum Behav. 2017;70:460–474. doi: 10.1016/j.chb.2017.01.001
   Web of Science ®Google Scholar
• Aladwani AM. Online banking: a field study of drivers, development challenges, and expectations. Inter J Inf Manage. 2001;21(3):213–225. doi: 10.1016/S0268-4012(01)00011-1
   Web of Science ®Google Scholar
• Lin H-F. An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge-based trust. Inter J Inf Manage. 2011;31(3):252–260. doi: 10.1016/j.ijinfomgt.2010.07.006
   Web of Science ®Google Scholar
• Bhattacherjee A. Acceptance of e-commerce services: the case of electronic brokerages. systems, man and cybernetics, part A: systems and humans. IEEE Trans Ultrason Ferroelectr Freq Control. 2000;30(4):411–420. doi: 10.1109/3468.852435
   Google Scholar
• Thakur R, Srivastava M. Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India. Internet Res. 2014;24(3):369–392. doi: 10.1108/IntR-12-2012-0244
   Web of Science ®Google Scholar
• Lu J, Yao J, Yu C-S. Personal innovativeness, social influences and adoption of wireless internet services via mobile technology. J Strategic Inf Syst. 2005;14(3):245–268. doi: 10.1016/j.jsis.2005.07.003
   Web of Science ®Google Scholar
• Hoffman DL, Novak TP, Peralta M. Building consumer trust online. Commun ACM. 1999;42(4):80–85. doi: 10.1145/299157.299175
   Web of Science ®Google Scholar
• Paul AP. Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model. Int J Electron Commer. 2003;7(3):101–134. doi: 10.1080/10864415.2003.11044275
   Web of Science ®Google Scholar
• Turban DB, Dougherty TW, Lee FK. Gender, race, and perceived similarity effects in developmental relationships: the moderating role of relationship duration. J Voc Behav. 2002;61(2):240–262. doi: 10.1006/jvbe.2001.1855
   Web of Science ®Google Scholar
• Aziz Al Kabir M, Elmedany W, Sharif MS. Securing IoT devices against emerging security threats: challenges and mitigation techniques. J Cyber Secur. 2023;7(4):199–223. doi: 10.1080/23742917.2023.2228053
   Google Scholar
• Mahlangu G, Chipfumbu Kangara C, Masunda F. Citizen-centric cybersecurity model for promoting good cybersecurity behaviour. J Cyber Secur. 2023;7(3):154–180. doi: 10.1080/23742917.2023.2217535
   Google Scholar
• Cnaan RA, Scott ML, Heist HD, et al. Financial inclusion in the digital banking age: lessons from rural India. J Soc Policy. 2023;52(3):520–541. doi: 10.1017/S0047279421000738
   Web of Science ®Google Scholar