“…In addition to ease-of-use, security, privacy and trust play a crucial role in the success of m-payment adoption (Chen, 2008). As it was pointed out by Dahlberg et al (2008), technology-focused articles make up a significant portion of m-payment research, with a predominant focus on security issues, which to some extent, is also reflected in the adoption studies from the customer perspective (Thakur & Srivastava, 2014). The main security elements include confidentiality, authentication, authorization, accountability, integrity, availability, and non-repudiation (Hu, Lee, & Kou, 2005, p.15).…”