“…Research has found that the adoption of information technology by users is impacted by factors such as performance, privacy, and psychological risks [ 77 , 79 , 80 ]. For example, Debb found that people's attitudes and behaviours towards network security are related to their perception of network risks [ 81 ]. Chloe's research found that innovators, early adopters, and the early majority segments focus on performance risks in mobile payment adoption, while innovators, early adopters, and the late majority segments focus on security risks in mobile payment adoption [ 82 ].…”