@incollection{,
	
					
					
					890D8B6A47327F604D7B11DE141239F5
				,
	author={{TewogbadeShakir}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2211926
}

@incollection{b0,
	
	
		,
	title={{Fintech and the transformation of the financial service industry}}
		,
	author={{
			RAlt
		} and {
			RBeck
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		10.1007/s12525-018-0310-9
		
	
	
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			28
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	year={2018. October 2021}
		
	

}

@incollection{b1,
	
	
		,
	title={{Commentary Issues and Opinion on structural equation modelling}}
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	author={{
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	journal={{MIS quarterly}}
		
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@incollection{b2,
	
	
		,
	title={{Adoption of social media for public relations by nonprofit organizations}}
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		doi:10.1016/j. pubrev.2009.10.003
	
	
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	journal={{Public Relations Review}}
		
			36
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			1
			,
	year={2010. October 2021}
		
	

}

@incollection{b3,
	
	
		,
	title={{Evaluating Structural Equation Models with unobservable varibales and measurement error}}
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			DFornell C & Larcker
		}}
	
	
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			18
			
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	year={1981. 1981}
		
	

}

@book{b4,
	
	
		,
	title={{Structural Equation Modelling and Regression: Guidelines for Research practice. Communications of the association for Information Students}}
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			DGefen
		} and {
			D &Straub
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			4
		
	
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}

@incollection{b5,
	
	
		,
	title={{Understanding Benefit and Risk Framework of Fintech Adoption: comparison of early adopters and late adopters}}
		,
	author={{
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		}}
	
	
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	booktitle={{Proceedings of the 51 st Hawaii International Conference on System Sciences}}
				the 51 st Hawaii International Conference on System Sciences
		
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	year={2018}
		
	

}

@incollection{b6,
	
	
		,
	title={{The perceptions towards mobile services: An empirical analysis of the role of use facilitators}}
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	author={{
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		} and {
			ARistola
		} and {
			MKesti
		}}
		
		
		doi:10.1007/ s00779-006-0128-x. S2CID 6089360
	
	
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	journal={{Personal & Ubiquitous Computing}}
		
			12
			1
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	year={2007. October 2021}
		
	

}

@incollection{b7,
	
	
		,
	title={{Learning online social support: An investigation of network information technology}}
		,
	author={{
			CLin
		} and {
			BAnol
		}}
		
		10.1089/cpb.2007.0057
		18537
	
	
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	journal={{CyberPsychology & Behavior}}
		
			11
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	year={2008. October 2021}
		
	

}

@book{b8,
	
	
		,
	title={{Principles and practice of structural equation modeling}}
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	author={{
			RKline
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	year={2005}
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	publisher={Guilford Press}
		
	

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@book{b9,
	
	
		,
	title={{Principles and practice of structural equation modeling}}
		,
	author={{
			RKline
		}}
		
			,
	year={2016}
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	publisher={The Guilford Press}
			,
	address={New York}
		
	

}

@book{b10,
	
	
		,
	title={{Investigation of Fintech services adoption in Banking Industry}}
		,
	author={{
			BNoofa
		} and {
			L &Kevin
		} and {
			SAdel
		}}
		
		
		10.2139/ssrn.3659074
		
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	year={2020}
		
	

}

@incollection{b11,
	
	
		,
	title={{Theory of Reasoned Action as an underpinning to technological Innovation adoption studies}}
		,
	author={{
			COdoyo
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		10.13189/wjeat.2016.040101
	
	
		,
	journal={{World Journal of Computer Application and Technology}}
		
			4
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	year={2016. 2016. October 2021}
		
	

}

@incollection{b12,
	
	
		,
	title={{Model of acceptance with peer support: A social network perspective to understand employees' system use}}
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	author={{
			TASykes
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		10.2307/20650296.JSTOR20650296
	
	
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			33
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	year={2009. October 2021}
		
	

}

@incollection{b13,
	
	
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	title={{User acceptance of mobile Internet based on the Unified Theory of Acceptance and Use of Technology: Investigating the determinants and gender differences}}
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	author={{
			HWang
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		10.2224/sbp.2010.38.3.415.(Accessed:01
	
	
		,
	journal={{Social Behavior & Personality}}
		
			38
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	year={2010. October 2021}
		
	

}

@book{b14,
	
	
		,
	title={{USING THE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) MODEL TO DETERMINE FACTORS}}
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	author={{
			Welch
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			,
	year={2020}
		
	

}