References
Ahmad, S.M.S., Ali, B.M. & Adnan, W.A.W. (2012). Technical issues and challenges of biometric applications as access control tools of information security. International Journal of Innovative Computing, Information and Control, 8(11), 7983–7999. Al-Jundi, S.A., Shuhaiber, A. & Augustine, R. (2019). Effect of consumer innovativeness on new product purchase intentions through learning process and perceived value. Cogent Business & Management 6(1), 1698849. Amjad Hassan Khan M. K, & Aithal, P. S. (2024). Identification of Customer Through Voice Biometric System in Call Centres. International Journal of Applied Engineering and Management Letters (IJAEML), 8(1), 120-127. DOI:https://doi.org/10.5281/zenodo.1081018 Ateba, B. B., Maredza, A., Ohei, K., Deka, P., & Schutte, D. (2015). Marketing mix: it’s role in customer satisfaction in the South African banking retailing. Banks & bank systems, 10(1), 83-91. Bagozzi, R.P. (2007). The legacy of the technology acceptance model and a proposal for a paradigm shift. Journal of the Association for Information Systems, 8(4), 244–254, https://doi.org 10.17705/1jais.00122 Bagozzi, R. P., Davis, F. D., & Warshaw, P. R. (1992). Development and test of a theory of technological learning and usage. Human Relations, 45 (7), 660–686, https://doi.org 10.1177/001872679204500702, hdl:2027.42/67175 Balamurugan, M. (2024). Biometric Authentication: A Double-Edged Sword for Security? International Journal of Science and Research (IJSR), 13(9), 170–173. https://doi.org/10.21275/sr24901230354 Cele, N. N., & Kwenda, S. (2025). Do cybersecurity threats and risks have an impact on the adoption of digital banking? A systematic literature review. Journal of Financial Crime, 32(1), 31-48. Chuttur, M.Y. (2009). Overview of the Technology Acceptance Model: Origins, Developments and Future Directions, Indiana University, USA, Sprouts: Working Papers on Information Systems, archived from the original on 2013-01-12 Davis, F. D., Bagozzi, R. P., Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003, https://doi.org 10.1287/mnsc.35.8.982. Eshiett, I. O., & Eshiett, O. E (2024). Artificial intelligence marketing and customer satisfaction: An employee job security threat review. World Journal of Advanced Research and Reviews, (WJARR), 21(01), 446–456, https://doi.org/10.30574/wjarr.2024.21.1.2655 Feyen, E., Frost, J., Gambacorta, L., Natarajan, H., & Saal, M. (2021). Fintech and the digital transformation of financial services: implications for market structure and public policy. BIS papers. Field, A. P. (2009), Discovering Statistics using SPSS, SAGE Publications; London Heracleous, L., & Wirtz, J. (2006). Biometrics: the next frontier in service excellence, productivity and security in the service sector. Managing Service Quality: An International Journal, 16(1), 12-22. Hong, J. C., Lin, P. H., & Hsieh, P. C. (2017). The effect of consumer innovativeness on perceived value and continuance intention to use smartwatch. Computers in Human Behavior, 67, 264–272. Hosseini, S. S., & Mohammadi, S. (2012). Review banking on biometric in the world’s banks and introducing a biometric model for Iran’s banking system. Journal of Basic and Applied Scientific Research, 2(9), 9152-9160. Irimia-Diéguez, A., Velicia-Martín, F., & Aguayo-Camacho, M. (2023). Predicting FinTech innovation adoption: the mediator role of social norms and attitudes. Financial Innovation, 9(1), 36. Jain, A. K., & Kumar, A., (2010). Biometrics of next generation: An overview. Second Generation Biometrics, 12(1), 2–3. Jain, A. K., Ross, A., & Pankanti, S. (2006). Biometrics: A tool for information security. IEEE Transactions on Information Forensics and Security 1(2), 125–143. Johnson, A. A. (2019). Strategic alignment and information technology projects in the banking industry (Doctoral dissertation, Capella University). Kothari, C. R. (2015). Research Methodology –Methods and Techniques, 2nd ed., New Age International (P) Ltd., New Delhi. Kuraku, C., Gollangi, H. K., & Sunkara, J. R. (2020). Biometric Authentication In Digital Payments: Utilizing AI And Big Data For Real-TimeSecurity And Efficiency Educational Administration: Theory and Practice, 26(4), 954 - 964Doi: 10.53555/kuey.v26i4.7590 Lee, C. T. & Pan, L. Y. (2022). Resistance of facial recognition payment service: A mixed method approach. Journal of Services Marketing, 37(3), 392–407. Legris, P., Ingham, J., Collerette, P. (2003). Why do people use information technology? A critical review of the technology acceptance model. Information & Management, 40(3), 191– 204, https://doi.org 10.1016/s0378-7206(01)00143-4, Liébana-Cabanillas, F., García-Maroto I, Muñoz-Leiva F, et al. (2020a) Mobile payment adoption in the age of digital transformation: The case of apple pay. Sustainability 12(13): 5443. Liébana-Cabanillas F, Japutra A, Molinillo S, et al. (2020b) Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India. Telecommunications Policy 44(9): 102009. Lunceford, B, (2009). Reconsidering Technology Adoption and Resistance: Observations of a SemiLuddite. Explorations in Media Ecology. 8 (1): 29–47. https://doi.org 10.1386/eme.8.1.29_1. Misini, S., & Mustafa, B. (2022). The relationship between economic growth, unemployment and poverty. Corporate Governance and Organizational Behavior Review, 6(4), 57-63. Monisha, T., Reshma, J., & Shalini, S. (2024). Enhancing banking security through multi-modal biometric authentication system. International Research Journal of Engineering and Technology (IRJET), 10(3), 68-78. 10.5281/zenodo.11489033 Morake, A., Khoza, L.T. & Bokaba, T., 2021, ‘Biometric technology in banking institutions: “The customers’ perspectives”’, South African Journal of Information Management 23(1), a1407. https://doi.org/10.4102/ sajim.v23i1.1407 Morake, A., Khoza, L.T. & Bokaba, T., 2021, ‘Biometric technology in banking institutions: “The customers’ perspectives”’, South African Journal of Information Management 23(1), a1407. https://doi.org/10.4102/ sajim.v23i1.1407 Onesi-Ozigagun, O., Ololade, Y. J., Eyo-Udo, N. L., & Oluwaseun, D. (2024). AI-driven biometrics for secure fintech: Pioneering safety and trust. International Journal of Engineering Research Updates, 2024, 06(02), 001–012. Oto, I. (2024). FinTech privacy security and customer engagement in Nigerian financial sector. Open Access Research Journal of Science and Technology, 12(2), 155– 168.https://doi.org/10.53022/oarjst.2024.12.2.0146 Patil P, Tamilmani K, Rana NP, et al. (2020) Understanding consumer adoption of mobile payment in India: Extending meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management 54: Piotrowska, A. I. (2024). Determinants of consumer adoption of biometric technologies in mobile financial applications. Economics and Business Review, 10(1), 81–100. https://doi.org/10.18559/ebr.2024.1.1019 Piotrowska, A. I. (2024). Determinants of consumer adoption of biometric technologies in mobile financial applications. Economics and Business Review, 10(1), 81–100. https://doi.org/10.18559/ebr.2024.1.1019 Rahman, M. R., & Safeena, P. K. (2016). Customer needs and customer satisfaction. Rane, N. L., Achari, A., & Choudhary, S. P. (2023). Enhancing Customer Loyalty through Quality of Service: Effective Strategies to Improve Customer Satisfaction, Experience, Relationship, and Engagement. International Research Journal of Modernization in Engineering Technology and Science, 5, 427-452. Saunders, L. (2019). Fintech and Consumer Protection: A Snapshot, National Consumer Law Center,
