“…Giovanis et al (2019) investigated, which of four well-established theoretical models (i.e., TAM) (Munoz-Leiva et al 2017;Alalwan et al 2018a, b), the theory of planned behaviour (Lee 2008;Yadav et al 2015), UTAUT (Cao and Niu 2019), the decomposed theory of planned behaviour (DTPB) best explains potential users' behavioural intentions (Shareef et al 2018) to adopt mobile banking (MB) services. Moreover, other factors affect each of the steps, respectively, action by the technological leadership, e-trust (Salem et al 2019), e-loyalty (Esterik-Plasmeijer and Raaij 2017; Berraies et al 2016), customers' value, for online personalization, customers' concern, for privacy, and the propensity of technology adoption (Rahi et al 2019). The best prediction of the use of new technologies may require the testing of the principal factors in order to learn about the customers' satisfaction (Thakur 2014;, customer loyalty (Shankar and Jebarajakirthy 2019), word-of-mouth (WOM) (Sampaio et al 2017) intention, andadoption (Alalwan et al 2018a, b;Siyal et al 2019;Chauhan et al 2019), how customer use the system (Baabdullah et al 2019a, b), and focusing on the role of users' commitment (Yuan et al 2019), which is called selfservice technologies (Chaouali and El-Hedhli 2019).…”