computer anxiety

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

computer self-efficacy

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

developing economies

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

financial innovation

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

Fintech adoption

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

M-commerce

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

perceived government support

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

perceived risk

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

perceived trust

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)

pressure from competitors

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

pressure from Trading Partners

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

result demonstrability

Salimon, Maruf Gbadebo ORCID: https://orcid.org/0000-0002-9071-7579, Kareem, Olanrewaju, Mokhtar, Sanuri Mohd, Aliyu, Olayemi Abdullateef, Bamgbade, Jibril Adewale and Adeleke, Adekunle Qudus (2021) Malaysian SMEs M-Commerce adoption: TAM 3, UTAUT 2 and TOE approach. Journal of Science and Technology Policy Management, 14 (1). pp. 98-126. ISSN 2053-4620 (doi:10.1108/JSTPM-06-2019-0060)

Technology Acceptance Model (TAM)

Abbas, Noman, Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 and Khan, Mohsin Raza (2025) Bridging the gap: drivers of Fintech innovation and inclusion in developing economies through the lens of the technology acceptance model. Journal of Science and Technology Policy Management. ISSN 2053-4620 (Print), 2053-4639 (Online) (doi:10.1108/JSTPM-04-2025-0163)