“…Global trade and commerce have significantly been transformed by advancing digital technologies and the internet, fuelling economic activities. With access to the internet, people can seamlessly use their smartphones to perform several functions, including learning, searching for jobs, entertainment, banking, and other financial services (Ojo et al, 2022a(Ojo et al, , 2022b. The proliferation of mobile commerce applications like shopping, travel and entertainment has allowed organisations to innovate their business model (Soodan and Rana, 2020).…”