“…Earlier studies have analyzed the adoption of mobile money transfer services and revealed several factors that impact the acceptance of mobile financial services. Two constructs have also been confirmed as determinants affecting the intention of other mobile financial services, such as mobile banking and mobile payment (Chang, 2014;Khalilzadeh, Ozturk, and Bilgihan, 2017;Le, Ngo, Trinh, and Nguyen, 2020;Rind et al, 2017;Singh and Srivastava, 2018;Tse et al, 2019).…”