“…We selected these attributes because they seemed the most relevant in terms of mobile payment usage intentions (Fang et al, 2017;Li ebana-Cabanillas et al, 2018;Lin et al, 2020b;Ooi and Tan, 2016;Ozturk et al, 2017;Ramos-de-Luna et al, 2016). According to DOI theory (Rogers, 1995), relative advantage and compatibility are the most reliable indicators of FinTech technology innovation adoption, particularly big data analytics adoption (Youssef et al, 2022), financing adoption (Amin et al, 2013), mobile banking adoption (Kaabachi and Obeid, 2016;Makanyeza, 2017;Mullan et al, 2017) and mobile payment adoption (Arvidsson, 2014;Hsieh, 2021;Lin et al, 2020b;Lu et al, 2011;Wang, 2022). Moreover, studies on smart retailing and the S-O-R model suggest that design attractiveness (Chaouali et al, 2019;Demoulin and Willems, 2019;Kumar and Shah, 2021;Lee et al, 2011;Rosen and Purinton, 2004;Sahoo and Pillai, 2017) and privacy/security (Lin et al, 2020b;Ozturk et al, 2017) are vital environmental cues affecting users' emotion, cognition and behavioral responses.…”