@incollection{,
	
					
					
					B98D40F270212BF82FC566EEE391E3B4
				,
	author={{ZellyAlfany} and {AkhmadSaufi} and {Lalu Edy HermanMulyono} and {University of Mataram}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}19718
}

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	title={{Examining the Adoption of Mobile Internet in Saudi Arabia: Extending TAM with Perceived Enjoyment, Innovativeness, and Trust}}
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	author={{
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	title={{Adoption of mobile payment systems: a study on mobile wallets}}
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	title={{Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology}}
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@incollection{b8,
	
	
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	booktitle={{Surabaya: Institute of Technology}}
				
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@book{b9,
	
	
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@incollection{b13,
	
	
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	title={{Effect of Intensity of Use Mobile Payment Against Spending Behavior}}
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@incollection{b14,
	
	
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	title={{Effect of Social Influence, Perceived Usefulness and Perceived Security Intention To Continue Use Mobile Payment Application OVO Through Attitude Toward Using Mobile Payment As Intervention Variables among Students in the Faculty of}}
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@incollection{b17,
	
	
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	title={{A Model of Factors Influencing Consumers' Intention To Use E-Payment System in Indonesia}}
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	journal={{Procedia ICCSCI Computer Science}}
		
			
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@incollection{b18,
	
	
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	title={{Enjoyment and social influence: predicting mobile payment adoption}}
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	author={{
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@incollection{b19,
	
	
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	title={{The role of social influence on the adoption of high-tech innovations: The moderating}}
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	author={{
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@incollection{b20,
	
	
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	title={{Analysis of the influence of perceived compatibility, individual mobility, and the driver's factor of attitude towards use, as well as the implications on the intention to use: a study on potential app users one smile in BDS city}}
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	author={{
			SKurniawati
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	journal={{Ultima Management}}
		
			9
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			,
	year={2017}
		
	

}

@incollection{b21,
	
	
		,
	title={{A Study Factors Affecting the Intention to Use Mobile Payment Services in Vietnam}}
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	author={{
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@incollection{b22,
	
	
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	title={{NFC Technology Acceptance For Mobile Payments: A Brazilian Perspective}}
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	author={{
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@incollection{b23,
	
	
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	title={{Consumers' Willingness to Adopt and Use WeChat Wallet: An Empirical Study in South Africa}}
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	author={{
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@book{b24,
	
	
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	title={{State of the art review of mobile payment technology}}
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	year={2003}
		
		
			Department of Computer Science. Trinity College Dublin
		
	

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@book{b25,
	
	
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	title={{The Moderating Role of Individual and Social Factors in Internet Banking Loyalty: An Exploratory Study. Transforming Government People, Process, and Policy}}
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	year={2014}
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@incollection{b26,
	
	
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	title={{A Study of Mobile Banking Usage In Iran}}
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	author={{
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	year={2015}
		
	

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@incollection{b27,
	
	
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	title={{Applying the Technology Acceptance Model In Two-Country Study Of SMS Advertising}}
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	author={{
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	year={2014}
		
	

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@incollection{b28,
	
	
		,
	title={{Customer acceptance of cashless payment systems in the hospitality industry}}
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	author={{
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	journal={{International Journal of Contemporary Hospitality Management}}
		
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	year={2016}
		
	

}