“…Multiple theories of adoption and acceptance were tested to measure intention of consumers and merchants towards mobile payment services implementation. More specifically, intention to use mobile payment services (De Luna et al, 2016;Seol et al, 2016), adoption (Zhou et al, 2010;Al-Jabri and Sohail, 2012), acceptance (Di Pietro et al, 2015), user satisfaction (Yang et al, 2016) and usage intention (Schierz et al 2010;Sripalawat et al, 2011). Factor 2 was dominated by articles related to trust (Zhou, 2013;Shin, 2010), risk (Seol et al, 2016;Slade et al, 2015) and security (Musa et al, 2015;Oliveira et al, 2016) of mobile payment services.…”