{"id":"https://openalex.org/W3202090418","doi":"https://doi.org/10.53799/ajse.v20i3.193","title":"Users Acceptance of Mobile Finance Service in Bangladesh and the impact of COVID-19: Extended UTAUT2","display_name":"Users Acceptance of Mobile Finance Service in Bangladesh and the impact of COVID-19: Extended UTAUT2","publication_year":2021,"publication_date":"2021-09-23","ids":{"openalex":"https://openalex.org/W3202090418","doi":"https://doi.org/10.53799/ajse.v20i3.193","mag":"3202090418"},"language":"en","primary_location":{"id":"doi:10.53799/ajse.v20i3.193","doi":"https://doi.org/10.53799/ajse.v20i3.193","is_oa":true,"landing_page_url":"https://doi.org/10.53799/ajse.v20i3.193","pdf_url":"https://ajse.aiub.edu/index.php/ajse/article/download/193/106","source":{"id":"https://openalex.org/S4210168127","display_name":"AIUB Journal of Science and Engineering (AJSE)","issn_l":"1608-3679","issn":["1608-3679","2520-4890"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["poland-20","russia-white-list-4"],"host_organization":"https://openalex.org/I103434671","host_organization_name":"American International University-Bangladesh","host_organization_lineage":["https://openalex.org/I103434671"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"AIUB Journal of Science and Engineering (AJSE)","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://ajse.aiub.edu/index.php/ajse/article/download/193/106","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5056966973","display_name":"Samea Khan","orcid":"https://orcid.org/0000-0003-0962-1818","observed_orcids":["https://orcid.org/0000-0003-0962-1818","https://orcid.org/0000-0002-9909-4726"]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"S A M Manzur Hossain Khan","raw_affiliation_strings":["Universiti Utara Malaysia, Malaysia,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia, Malaysia,","institution_ids":["https://openalex.org/I94625822"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5043661814","display_name":"Nurakmal Ahmad Mustaffa","orcid":"https://orcid.org/0000-0001-6495-301X","observed_orcids":["https://orcid.org/0000-0001-6495-301X"]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Nurakmal Ahmad Mustaffa","raw_affiliation_strings":["Universiti Utara Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia","institution_ids":["https://openalex.org/I94625822"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5090507747","display_name":"Md. Mamun Habib","orcid":"https://orcid.org/0000-0002-3192-2636","observed_orcids":["https://orcid.org/0000-0002-3192-2636"]},"institutions":[{"id":"https://openalex.org/I31669788","display_name":"Independent University, Bangladesh","ror":"https://ror.org/05qbbf772","country_code":"BD","type":"education","lineage":["https://openalex.org/I31669788","https://openalex.org/I4405261541"]}],"countries":["BD"],"is_corresponding":false,"raw_author_name":"Mamun Habib","raw_affiliation_strings":["Independent University Bangladesh"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Independent University Bangladesh","institution_ids":["https://openalex.org/I31669788"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.8542,"has_fulltext":true,"cited_by_count":7,"citation_normalized_percentile":{"value":0.81461391,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":96},"biblio":{"volume":"20","issue":"3","first_page":"87","last_page":"96"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/technology-acceptance","display_name":"technology acceptance","score":0.8169999718666077},{"id":"https://openalex.org/keywords/utaut2","display_name":"UTAUT2","score":0.8769999742507935},{"id":"https://openalex.org/keywords/entrepreneurial-potential","display_name":"entrepreneurial potential","score":0.6589999794960022},{"id":"https://openalex.org/keywords/behavioral-intention","display_name":"behavioral intention","score":0.8880000114440918},{"id":"https://openalex.org/keywords/covid-19-impact","display_name":"COVID-19 impact","score":0.8880000114440918},{"id":"https://openalex.org/keywords/moderating-effect","display_name":"moderating effect","score":0.7699999809265137},{"id":"https://openalex.org/keywords/performance-expectancy","display_name":"performance expectancy","score":0.8190000057220459},{"id":"https://openalex.org/keywords/effort-expectancy","display_name":"effort expectancy","score":0.9580000042915344},{"id":"https://openalex.org/keywords/social-influence","display_name":"social influence","score":0.9850000143051147},{"id":"https://openalex.org/keywords/facilitating-conditions","display_name":"facilitating conditions","score":0.996999979019165},{"id":"https://openalex.org/keywords/price-value","display_name":"price value","score":0.9459999799728394},{"id":"https://openalex.org/keywords/use-behavior","display_name":"use behavior","score":0.8240000009536743},{"id":"https://openalex.org/keywords/bangladesh","display_name":"Bangladesh","score":0.8989999890327454}],"concepts":[{"id":"https://openalex.org/C61341680","wikidata":"https://www.wikidata.org/wiki/Q1923256","display_name":"Intension","level":2,"score":0.9460198879241943},{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.7644174098968506},{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.7445259094238281},{"id":"https://openalex.org/C2777421447","wikidata":"https://www.wikidata.org/wiki/Q17517","display_name":"Mobile phone","level":2,"score":0.6601584553718567},{"id":"https://openalex.org/C93225998","wikidata":"https://www.wikidata.org/wiki/Q1941972","display_name":"Moderation","level":2,"score":0.6025778651237488},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5734190344810486},{"id":"https://openalex.org/C131158328","wikidata":"https://www.wikidata.org/wiki/Q1307337","display_name":"Social influence","level":2,"score":0.4850555956363678},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.45916518568992615},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4550207555294037},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.42048782110214233},{"id":"https://openalex.org/C197378717","wikidata":"https://www.wikidata.org/wiki/Q1154408","display_name":"Mobile commerce","level":2,"score":0.4180715084075928},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.41607263684272766},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.21409901976585388},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.20428019762039185},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.17269131541252136},{"id":"https://openalex.org/C99454951","wikidata":"https://www.wikidata.org/wiki/Q932068","display_name":"Environmental health","level":1,"score":0.1609170138835907},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.12167340517044067},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.53799/ajse.v20i3.193","doi":"https://doi.org/10.53799/ajse.v20i3.193","is_oa":true,"landing_page_url":"https://doi.org/10.53799/ajse.v20i3.193","pdf_url":"https://ajse.aiub.edu/index.php/ajse/article/download/193/106","source":{"id":"https://openalex.org/S4210168127","display_name":"AIUB Journal of Science and Engineering (AJSE)","issn_l":"1608-3679","issn":["1608-3679","2520-4890"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["poland-20","russia-white-list-4"],"host_organization":"https://openalex.org/I103434671","host_organization_name":"American International University-Bangladesh","host_organization_lineage":["https://openalex.org/I103434671"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"AIUB Journal of Science and Engineering (AJSE)","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.53799/ajse.v20i3.193","doi":"https://doi.org/10.53799/ajse.v20i3.193","is_oa":true,"landing_page_url":"https://doi.org/10.53799/ajse.v20i3.193","pdf_url":"https://ajse.aiub.edu/index.php/ajse/article/download/193/106","source":{"id":"https://openalex.org/S4210168127","display_name":"AIUB Journal of Science and Engineering (AJSE)","issn_l":"1608-3679","issn":["1608-3679","2520-4890"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":["poland-20","russia-white-list-4"],"host_organization":"https://openalex.org/I103434671","host_organization_name":"American International University-Bangladesh","host_organization_lineage":["https://openalex.org/I103434671"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"AIUB Journal of Science and Engineering (AJSE)","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Good health and well-being","score":0.428600013256073,"id":"https://metadata.un.org/sdg/3"}],"sustainable_development_goals_aurora":[{"display_name":"Decent work and economic growth","score":0.49000000953674316,"id":"https://metadata.un.org/sdg/8"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3202090418.pdf","grobid_xml":"https://content.openalex.org/works/W3202090418.grobid-xml"},"referenced_works_count":28,"referenced_works":["https://openalex.org/W35043312","https://openalex.org/W1565430219","https://openalex.org/W1580724936","https://openalex.org/W1689071645","https://openalex.org/W1791587663","https://openalex.org/W1985634409","https://openalex.org/W2052631230","https://openalex.org/W2062121266","https://openalex.org/W2062938099","https://openalex.org/W2100379340","https://openalex.org/W2145323950","https://openalex.org/W2160269678","https://openalex.org/W2229784667","https://openalex.org/W2286927881","https://openalex.org/W2288273658","https://openalex.org/W2512427350","https://openalex.org/W2548380318","https://openalex.org/W2604600142","https://openalex.org/W2761723221","https://openalex.org/W2810846506","https://openalex.org/W2984345604","https://openalex.org/W3005951373","https://openalex.org/W3010482742","https://openalex.org/W3023101591","https://openalex.org/W3081587568","https://openalex.org/W3089009864","https://openalex.org/W3121633574","https://openalex.org/W3125976894"],"related_works":["https://openalex.org/W3214694895","https://openalex.org/W4286209478","https://openalex.org/W4226325155","https://openalex.org/W7212165377","https://openalex.org/W4205406606","https://openalex.org/W4403802502","https://openalex.org/W7005085780","https://openalex.org/W4397002584","https://openalex.org/W3191222334","https://openalex.org/W7220264858"],"abstract_inverted_index":{"Population":[0],"of":[1,19,24,37,63,97,108,125,132,142,146,169,198,236],"Bangladesh":[2,43,126],"is":[3,17,35,44,111,239],"164":[4],"million,":[5],"but":[6],"there":[7],"are":[8],"165":[9],"million":[10],"mobile":[11,30],"phone":[12,15],"subscribers.":[13],"Mobile":[14,33,64],"usage":[16,107],"one":[18,36,242],"the":[20,25,38,61,81,94,106,120,130,135,167,195,201,217,223],"fastest":[21],"growing":[22],"phenomena":[23],"country.":[26],"Globally,":[27],"among":[28],"many":[29,76],"based":[31],"services,":[32],"Financing":[34,65],"most":[39],"rapidly":[40],"expanding":[41],"sector.":[42],"yet":[45],"to":[46,86,101],"see":[47],"a":[48,240],"significant":[49],"growth":[50],"in":[51,71,150,161,229],"this":[52,162,237],"arena.":[53],"There":[54],"have":[55,102],"been":[56,157],"numerous":[57],"studies":[58,77,194],"conducted":[59,79],"on":[60,80,105,134,185,189,200,216],"types":[62],"Services":[66],"(MFS)":[67],"and":[68,89,127,144,159,208,243],"their":[69,90,231],"reach":[70],"Bangladesh.":[72],"But":[73,222],"not":[74],"too":[75],"were":[78],"factors":[82,121,213],"that":[83],"influences":[84],"users":[85,124],"adopt":[87],"MFS":[88,109,123,190,204,218],"behavioral":[91,137,220],"intension.":[92,138],"Moreover,":[93],"recent":[95],"crisis":[96],"COVID-19":[98,133,199,224],"pandemic":[99],"seemed":[100],"an":[103],"impact":[104,131,225],"which":[110],"also":[112,128,193],"another":[113],"unexplored":[114],"research":[115,238],"domain.":[116],"This":[117,164],"study":[118,165],"analyzes":[119],"influencing":[122],"explores":[129,166],"user\u2019s":[136],"The":[139,211,234],"Unified":[140],"Theory":[141],"Acceptance":[143],"Use":[145,209],"Technology":[147],"(UTAUT)":[148],"model":[149],"combination":[151],"with":[152],"Entrepreneurial":[153],"Potential":[154],"Model":[155],"has":[156],"modified":[158],"adopted":[160,246],"study.":[163],"correlation":[168],"Performance":[170],"Expectancy":[171,174],"(PE),":[172],"Effort":[173],"(EE),":[175],"Social":[176],"Influence":[177],"(SI),":[178],"Facilitating":[179],"Conditions":[180],"(FC),":[181],"Price":[182],"Value":[183],"(V)":[184],"Behavioral":[186,206],"Intention":[187],"(BI)":[188],"users.":[191],"It":[192],"moderation":[196],"effect":[197,214],"relationship":[202],"between":[203],"users\u2019":[205,219],"Intension":[207],"Behavior.":[210],"correlating":[212],"positively":[215],"intention.":[221],"was":[226],"found":[227],"ineffective":[228],"moderating":[230],"use":[232],"behavior.":[233],"framework":[235],"novel":[241],"can":[244],"be":[245],"for":[247],"similar":[248],"studies.":[249]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":1}],"updated_date":"2026-10-31T12:09:11.096373","created_date":"2021-10-11T00:00:00"}
