1. Mckinsey (2002). Consumer trends in digital payment. https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters/consumer-trends-in-digital-payments.
2. PricewaterhouseCoopers (2022). Payments 2025 & beyond. Available on: https://www.pwc.com/gx/en/industries/financial-services/publications/financial-services-in-2025/payments-in-2025.html
3. Xu, W., Sun, J., & Li, M. (2022), Guest editorial: Interpretable AI-enabled online behavior analytics. Internet Research, 32(2), 401–405. https://doi.org/10.1108/INTR-04-2022-683
4. Kim, B. C., Park, S. E., & Straub, D. W. (2022). Pay-what-you-want pricing in the digital product marketplace: A feasible alternative to piracy prevention? Information Systems Research, 33(3), 784–793.
5. Shang, S. S., & Chiu, L. S. (2022). Leveraging smart technology for user experience personalisation–A comparative case study of innovative payment systems. Pacific Asia Journal of the Association for Information Systems, 14(1), 6.