“…The lack of familiarity with the MEC approach is one of the limitations (Reynolds and Olson, 2001), which confines to only a few studies that incorporate this approach. However, the MEC approach has been used in various areas spanning the extant studies: recycling goals (Bagozzi, 1994), mobile shopping (Park et al, 2019), Internet banking (Gerrard et al, 2006;Kuisma et al, 2007;Laukkanen, 2007), mobile banking services (Laukkanen and Lauronen, 2005), multi-channel shopping (Hsiao et al, 2012), using smartphones (Jung, 2014), social networking sites (Pai and Arnott, 2013), online group buying (Xiao et al, 2017). The literature review indicated no research on the empirical investigation of why consumers use mPayments using MEC approach.…”