Table 1.

Evaluating studies in the mobile payment technology

Variables	Authors
Self-Efficacy, Perceived Convenience, Perceived Value, Costs, WOM, Perceived Risks	Li (2018)
Knowledge, payment cost, installation cost, critical mass, standardization, operability	Mallat & Tuunainen (2008)
Performance expectancy, infrastructural issues, the impact of demographics	Możdżyński 2018
Merchants, brick and mortal retails, socio-economic variables, knowledge, regrets	Ullah and Sepasgozar (2020)
Merchants, brick and mortal retails, business factors, technological competence, social influence	Huynh et al. (2021)
Retailers, data privacy, trust, data rights, usefulness	Willis et al. (2021)
Merchants, Technology Value, personality traits, regulatory bodies, innovativeness, convenience	Mishra et al. (2022)
Merchants, word of mouth, cost, risk, privacy	Talwar et al. (2021)