Table 1.

Constructs of the study and its sources.

S.No.	Construct	Sources
1	Awareness	Umamaheswari and Kumar [6]; Prabhu and Gajendran [7].
2	Benefits and choice of investment	Ashraf and Baig [9]; Chhimwal et al.[10]);
3	Reliability, Safety, and risk-related factors	Fama et al. [15]; Ashraf and Baig [9]; Lackmann et al. [16]; Trang and Tho [17]; Pinasti et al. [18]; Al-Khalaf and Choe [19].
4	Financial literacy	Lusardi, and Mitchell [11]; Caroline et al. [23]; Mishra [24];
5	Technical aspect	Ancuta [30]; Bapat [34]; Chong et al. [14]; Nourallah [31];
6	Dependency	Koestner et al. [37]; Stålnacke [32], Florendo and Estelami [41]; Bommer et al. [43]; Chan et al. [44]
7	Adoption behaviour	Nouri et al. [46]; Chao [48]; Palau-Saumell et al. [49]; Rahman et al. [50]; Nair et al. (2022);