References
Adeniran, A.M.; Burodo, M.S.; & Suleiman, S. (2022). Customer satisfaction with the pos system:
moderating role of age. Gusau Journal of Business Administration., 1(2), 1-10.
Adeoti, O. & Oshotimehin, K. (2012). Adoption of point of sale terminals in Nigeria:
assessment of consumer’s level of satisfaction. Research Journal of Finance and
Accounting, 3(1),1-5.
Akintunde, O.A. & Agbo, P.O. (2016). Analysis of the adoption and usage of POS terminals by
hotels in Jos metropolis, north central Nigeria. Academic Open Business & Management
Research Journal,1(1),1-14.
Amaefule, I.A.; Njoku, O.D.; Agbakwuru, O.A. & Chilaku, U.L. (2019). The prospects and
challenges of pos as electronic payment system in Nigeria. International Journal of Science
and Management Studies, 2(1), 38-42.
Anetoh, J.C., Ndubisi, E.C., Okeke, L.N. & Obiezekwem, C.J. (2022). Propellers of consumer
usage of mobile banking technology in Anambra State of Nigeria. African Journal of
Business and Economic Development, 2(1), 133-148.
Anetoh, J.C., Okafor, C.A., Obiezekwem, C.J., & Okeke, L.N. (2022). Influence of entrepreneurial
marketing dimensions on sustainability of plastic manufacturing firms in Anambra State.
African Journal of Business and Economic Development, 2(1), 115-132.
Anetoh, J.C., Ndubisi, E.C., Obiezekwem, J.C., & Eboh, S.O. (2021). Enablers of online shopping
behavior: evidence from electronics consumers in Anambra State of Nigeria. International
Journal of Economics and Business Management, 7(3), 100-115.
Anetoh, J.C., Anetoh Ajakpo, V.C., Chendo, N.A., Oranye, H.I. & Akim, K.C. (2025).
Determinants of sustainable usage intention among mega super markets shoppers in
Nigeria. International Journal of Marketing and Communication Studies, 9(2), 24-34.
Anetoh, J.C., Anetoh (Ajakpo), V.C., Nwatu, B.C. & Eboh, S.O. (2025). Innovative digital
marketing platforms and sustainable development of bottled water businesses in Nigeria.
Innovations, 80(1), 53-69.
Anetoh, J.C., Anetoh, V.C., Okeke Goodfaith Nnenna, Okeke-Ezeanyanwu J.A., & Obiezekwem,
C.J. (2020). Entrepreneurial marketing and performance of chemical manufacturing firms
in Nigeria. British Journal of Management and Marketing Studies, 3(3), 67-84.
Attuquayefio, S. N. B., Achampong, A. K., & Aryeetey, I. T. (2014). Extending TAM with social
norm to model students' intentions to adopt ICT. European Scientific Journal, 10(14),
435-446.
Bhatiasevi, V. (2015). An extended UTAUT model to explain the adoption of mobile banking.
Retrieved March 11, 2015, from: Sagepub.co.uk/journals from idv.sagepub.com at Lagos
Business School PARENT.
Bhoopathy, P.K. (2023). The Impact of Digital Payments on Consumer Spending Habits. Tuijin
Jishu /Journal of Propulsion Technology, 44(4), 5373-5380.
Chendo, N.A. & Okeke, F.A. (2021). Effect of research and development cost on automotive
components firms in south-east Nigeria. International Journal of Management and
Marketing Systems, 13(9),19-30.
Chiemeke, S. & Evwiekpaefe, A. (2011). A Conceptual framework of a modified unified theory
of acceptance and use of technology (UTAUT) model with Nigerian factors in ecommerce adoption. Educational Research, 2(12), 1719-1726.
Chiou, J.S. & Shen, C.C. (2012). The antecedents of online financial service acceptance: the
impact of physical banking services on Internet banking acceptance. Behaviour and Information Technology, 31(9), 859-871.
Dinh, D.V. (2024). Digital economy and the electronic payment behavior: an empirical analysis.
Transnational Corporations Review, 16(4), 200078.
Duraisamy, M. (2023). A Study on the impact of digital payment in behavioural changes. Journal
of The Asiatic Society of Mumbai, Xcvi(24), 195–202.
Escobar-Rodriguez, T. & Carvajal-Truzillo, E. (2014). Online purchasing tickets for low-cost
carriers: An application of the unified theory of acceptance and use of technology
(UTAUT) model. Tourism Management, 43(1), 70-88.
Hair, J. F., Hult, G.T.M., Ringle, C.M. & Sarstedt, M. (2017). A primer on partial least squares
structural equation modeling (PLS-SEM), 2nd ed., Thousand Oaks: Sage Publications, 1-390.
Hasan, A., Sikarwar, P., Mishra, A., Raghuwanshi, S., Singhal, A., & Joshi, A. (2024).
Determinants of behavioral intention to use digital payment among Indian Youngsters.
Journal of Risk and Financial Management, 17(87), 01-20.
Hedge, P.K. (2024). Adoption of digital payments among global consumers a systematic.
International Journal of Management q2(IJM),15(4),146-160.
Homiga, S.M., & Sree, M.R.S. (2024). A study on impact of digital payment methods in adoption
to consumer. International Journal of Research Publication and Reviews, 05(05), 680-
686.
Minton E.A & Khale L.R. (2014). Belief Systems, Religion, and Behavioral Economics. New
York: Business Expert Press LLC.
Moudipa, D., Sonia, L. & D.H.R.L. (2024). Effects of digital payment system on small retail
business outlets in Nigeria. International Journal of Creative Research Thoughts (IJCRT),
12(5), 879-889.
Nzekwu, D.O. (2018). Determinants of pos adoption in modern shopping malls in Nigeria.
Doctorate Thesis, University of Nigeria, Enugu Campus, 1-267.
Obikeze, C.O., Nkamnebe, A.D., Okolo, V.O., Anetoh, J.C., Okoro, D.P. & Oranusi, I.N. (2020).
Investing on the drivers of innovative electronic banking services towards improving
customer satisfaction sin deposit money banks in south-eastern Nigeria. GE-International
Journal of Management Research, 8(5),13-34.
Oliveira T, Faria, M, Thomas, M.A. & Popovic, A. (2014). Extending the understanding of mobile
banking adoption: When UTAUT meets TTF and ITM. International Journal of
Information Management 34(5), 689–703.
Omoniyi, J.U. (2012). E-banking marketing and practices in Nigeria: A performance
appraisal. International Journal of Bank Marketing, 22(6), 36-48.
Srinivas, H.N.; Manu, H.N. & Dharanendra, M. (2025). From cash to clicks: transforming
consumer behaviour and business structures with digital payments. Innovations, 80(1),
178-194.
Venkatesh, V., Morris, M. G., Davis, G. B. & Davis, F. D. (2003). User acceptance of information
technology: Toward a unified view. MIS Quarterly, 27(3), 425-478.
Venkatesh, V., Thong, J.Y. & Xu, X. (2012). Consumer acceptance and use of information
technology: Extending the unified theory of acceptance and use of technology. MIS
Quarterly, 36(1), 157-178.
Yadav, P., Jain, A., Pathak, N., & Sharma, N. (2024). Investigating the behavior of consumers
using digital payment: comparative study between rural and urban areas. Intelligent
Decision Technologies, 18, 2353-2370Wong, K.K. (2013). Partial least squares structural equation modeling techniques using smartpls,
Marketing Bulletin, 24(1),1-32.
Wu, M.Y., Yu, P.Y. & Weng, Y.C. (2012). A study on user behaviour for I pass by UTAUT:
Using Taiwan's MRT as an example. Asia Pacific Management Review, 17(1), 92-111.
Zehra, F., Khan, F.S., Mazhar, S.S., Akhlaque, N. & Haque, E. (2024). Exploring consumer
preferences and behaviour toward digital payment gateways in India. International
Journal of Experimental Research and Review (IJERR), 41, 158–167.
