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Digital-only banking experience: Insights from gen Y and gen Z
Nila Armelia Windasaria, Nurrani Kusumawatia,
Corresponding author
nurrani.k@sbm-itb.ac.id

Corresponding author.
, Niken Larasatib, Revira Puspasuci Ameliaa
a School of Business and Management, Institut Teknologi Bandung, Ganesa 10, Bandung, West Java 40132, Indonesia
b Digital Service Division, PT Telkom Indonesia, Gegerkalong Hilir 47, Bandung, West Java 40152, Indonesia
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    "textoCompleto" => "<span class="elsevierStyleSections"><span id="sec0001" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0004">Introduction</span><p id="para0001" class="elsevierStylePara elsevierViewall">The new technology wave sweeping through the financial industry has changed many traditional banking structures&#46; Factors such as online banking&#44; self-service machines&#44; financial integration&#44; and 24-hour access have changed the outlook regarding the need for digital banking &#40;<a class="elsevierStyleCrossRef" href="#bib0012">Chauhan&#44;&#160;2018</a>&#41;&#46; Digital banking is the frontier innovation of banking activities and financial services&#44; historically only available to customers in the physical bank branch&#46;</p><p id="para0002" class="elsevierStylePara elsevierViewall">Recently&#44; banking services have developed more advanced applications in digital-only banking &#40;also known as virtual banking and internet-only banking&#41;&#46; Unlike other technology-enabled banking services&#44; digital-only banking is branchless&#44; with no physical banks offering a wider variety of services yet&#44; such as more flexible savings and investments&#44; and virtual credit cards &#40;<a class="elsevierStyleCrossRef" href="#bib0070">Sha &#38; Mohammed&#44;&#160;2017</a>&#41;&#46; Furthermore&#44; digital-only banking is different from mobile and Internet banking because it provides banking services and a digital wallet &#40;<a class="elsevierStyleCrossRef" href="#bib0071">Shaikh &#38; Karjaluoto&#44;&#160;2016</a>&#41;&#46; Therefore&#44; a digital-only bank has advantages for banks and customers&#44; as it provides more convenient and faster banking services&#46; Additionally&#44; it fulfills some tasks of physical wallets&#44; such as holding personal information&#44; facilitating cash and credit payments&#44; and storing temporary tokens &#40;vouchers&#44; transportation tickets&#44; etc&#46;&#41; &#40;<a class="elsevierStyleCrossRef" href="#bib0022">Ebringer&#44;&#160;Thorne&#44; &#38; Zheng&#44; 2000</a>&#41;&#46;</p><p id="para0003" class="elsevierStylePara elsevierViewall">The digital-only bank movement shows significant growth in Asian regions&#46; Several new virtual bank brands have been launched&#46; Currently&#44; Hong Kong has eight virtual banks&#44; followed by Taiwan&#44; China&#44; Singapore&#44; Japan&#44; Korea&#44; Malaysia&#44; and Indonesia&#44; who launched virtual banks after their government approved the virtual system in the banking industry &#40;<a class="elsevierStyleCrossRef" href="#bib0055">Mckinsey&#160;and Company&#44;&#160;2021</a>&#41;&#46;</p><p id="para0004" class="elsevierStylePara elsevierViewall">After the outbreak of the COVID-19 pandemic&#44; governments have raised regulations to adapt to the &#34;New Normal&#46;&#34; One of the protocols is to maintain social distance and limit physical interactions&#46; The Indonesian government also boosted the cashless payment process for society to support the &#8220;New Normal&#8221;&#46; As a result&#44; the absence of physical interactions on service encounters has received higher customer demands&#44; including banking and financial services &#40;<a class="elsevierStyleCrossRef" href="#bib0002">Aji&#44;&#160;Berakon&#44; &#38; Husin&#44; 2020</a>&#41;&#46; Therefore&#44; financial sectors should innovate by fully digitizing their products and services to embrace this new normal&#46; Accordingly&#44; customers can utilize the financial product over their smartphone with no brick-and-mortar and physical contact needed&#46; In addition&#44; mobile adoption spreads at a higher rate than financial inclusion&#46; Therefore&#44; the existence of digital-only banking can increase accessibility to a larger population&#44; especially in developing and emerging economies &#40;<a class="elsevierStyleCrossRef" href="#bib0061">Ozili&#44;&#160;2018</a>&#41;&#46;</p><p id="para0005" class="elsevierStylePara elsevierViewall">The development of digital banking also enriches the customer experience <a class="elsevierStyleCrossRef" href="#bib0063">PwC&#160;&#40;2018&#41;</a>&#46; found three main reasons banks go fully digital in Indonesia&#58; customer&#47;employee experience&#44; revenue growth&#44; and cost reduction&#46; Approximately 44&#37; of PwC research respondents choose customer experience as their top reason because they want to put customers at the heart of operations to obtain sustainable revenue and loyalty&#46; Digital banks increase customer experience by offering simplicity of usage &#40;<a class="elsevierStyleCrossRef" href="#bib0052">Mbama &#38; Ezepue&#44;&#160;2018</a>&#41;&#46; Virtual validations by biometric and online account verification are presented as an alternative to the physical verification process&#44; saving customers&#39; time that previously required in-person interactions &#40;<a class="elsevierStyleCrossRef" href="#bib0006">Alhothaily&#160;et&#160;al&#46;&#44; 2017</a>&#41;&#46; Several features that were previously limited to financial transactions by mobile and internet banking are now enhanced by digital banking through investment-related services without requiring human contact&#46;</p><p id="para0006" class="elsevierStylePara elsevierViewall">Despite its convenience and benefits&#44; digital banking faces risk-benefit calculations for its customers&#46; The downside of digital banking is that customers might feel more hesitant to adopt the service due to the absence of physical financial institutions&#46; Financial decision-making is critical for every individual due to trust&#44; privacy&#44; and other perceived risks posed by bank customers &#40;<a class="elsevierStyleCrossRef" href="#bib89">Alkhowaiter&#44;&#160;2020</a>&#41;&#46; Digital banks should convince their customers that they will experience the same level of service and reliability&#44; even if the service is delivered digitally&#46; Further&#44; it should also promote more incentives&#44; financial or emotional&#44; to compensate new users for switching and adapting&#46;</p><p id="para0007" class="elsevierStylePara elsevierViewall">Prior research on technology-enabled banking services shows that customer experiences are determined by service quality&#44; functional quality&#44; perceived value&#44; employee-customer engagement&#44; perceived usability&#44; and perceived risk &#40;<a class="elsevierStyleCrossRef" href="#bib0052">Mbama &#38; Ezepue&#44;&#160;2018</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0053">Mbama&#44;&#160;Ezepue&#44; Alboul&#44; &#38; Beer&#44; 2018</a>&#41;&#46; In addition&#44; prior research focuses heavily on customer loyalty and bank performance <a class="elsevierStyleCrossRef" href="#bib90">&#40;Larsson &#38; Viitaoja&#44;&#160;2017</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0052">Mbama &#38; Ezepue&#44;&#160;2018</a>&#41; in well-established settings in developed countries&#46;</p><p id="para0008" class="elsevierStylePara elsevierViewall">This research aims to fill this gap by uncovering empirical insights of digital-only banking usage from customer experience factors&#46; This study focuses on young customers&#59; Gen Y and Gen Z &#40;Gen Y is represented by 17 - 25 years old users&#44; and 26 - 35 year-old users are presenting Gen Z&#46; In Indonesia&#44; the minimum age of digital banking users is 17 years old&#41;&#44; both generations considered a tech-savvy generation and are the main target segment of digital banking services &#40;<a class="elsevierStyleCrossRef" href="#bib0046">Lipton&#44;&#160;Shrier&#44; &#38; Pentland&#44; 2016</a>&#41;&#46; Generations Y and Z are predicted to have different consumption behavior&#44; especially through digital platforms compared to the older generation &#40;<a class="elsevierStyleCrossRef" href="#bib0021">Eastman&#44;&#160;Iyer&#44; &#38; Thomas&#44; 2013</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0057">Obal &#38; Kunz&#44;&#160;2013</a>&#41;&#46; This study was conducted in Indonesia since the monthly user growth of digital banking has risen twice over the past three years&#44; and 55&#37; of non-digital customers intend to use a digital bank in the next six months &#40;<a class="elsevierStyleCrossRef" href="#bib0054">Mckinsey&#160;and Company&#44;&#160;2019</a>&#41;&#46; This indicates that the digital banking industry is attractive&#46; This success has led to curiosity on the factors driving the success of digital banking&#44; particularly in emerging economies&#46;</p><p id="para0009" class="elsevierStylePara elsevierViewall">The remainder of this paper is organized as follows&#46; First&#44; we present the current state of digital banking and how customers experience digital banking services&#46; Second&#44; we discuss a preliminary qualitative study conducted to explore the experiential and motivational factors affecting customer usage of digital banking among Gen Y and Gen Z&#46; Third&#44; we discuss the empirical survey we designed to test customer intention to use digital banking on a larger scale&#46; Finally&#44; we propose the implications of our findings and explore future research directions&#46;</p></span><span id="sec0002" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0005">Literature review</span><span id="sec0003" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0006">Digital-only banking</span><p id="para0010" class="elsevierStylePara elsevierViewall">Digital-only banks have been used interchangeably with virtual banking&#44; digital banking&#44; or internet banking&#44; making it difficult to distinguish them from digital services provided by traditional banking&#46; However&#44; the fundamental difference is the existence of the physical branches where digital-only banks rely solely on the digital infrastructure to cover all types of transactions&#46; They offer neither brick-and-mortar offices&#44; nor face-to-face tellers and customer services&#44; and operate fully virtually &#40;<a class="elsevierStyleCrossRef" href="#bib0024">Fathima&#44;&#160;2020</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0070">Sha &#38; Mohammed&#44;&#160;2017</a>&#41;&#46; As a result&#44; it cuts the service costs&#44; particularly all services traditionally carried out in a branch &#40;<a class="elsevierStyleCrossRef" href="#bib0024">Fathima&#44;&#160;2020</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0070">Sha &#38; Mohammed&#44;&#160;2017</a>&#41;&#46;</p><p id="para0011" class="elsevierStylePara elsevierViewall">Literature on banking and financial services shows that digitalization and customer acceptance of services have already been embraced for decades&#44; such as through self-service kiosks&#44; mobile banking&#44; and Internet banking &#40;<a class="elsevierStyleCrossRef" href="#bib0035">Kaushik &#38; Rahman&#44;&#160;2015</a>&#41; <a class="elsevierStyleCrossRef" href="#tbl0001">Table 1</a>&#46; compares the features provided by digital-only banks and the mobile and internet banking services provided by traditional banks &#40;<a class="elsevierStyleCrossRef" href="#bib0011">BTPN&#44;&#160;2021</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0018">DBS&#44;&#160;2021</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0060">Otoritas&#160;Jasa Keuangan&#44;&#160;2021</a>a&#41;</p><elsevierMultimedia ident="tbl0001"></elsevierMultimedia><p id="para0012" class="elsevierStylePara elsevierViewall">According to the Indonesian government&#44; digital-only banking provides and carries activities through electronic channels&#59; they have a head office without having any or limited physical offices &#40;<a class="elsevierStyleCrossRef" href="#bib0059">Otoritas&#160;Jasa Keuangan&#44;&#160;2021b</a>&#41;&#46; The Hong Kong government also has a similar definition of digital-only banks as Indonesia&#44; which defines virtual-only banks as banks that primarily deliver retail banking services through the Internet or other forms of electronic channels instead of physical branches &#40;<a class="elsevierStyleCrossRef" href="#bib0028">Hong&#160;Kong Monetary Authority&#44;&#160;2021</a>&#41;&#46;</p><p id="para0013" class="elsevierStylePara elsevierViewall">Research on digital-only banking mostly discusses regulatory&#44; financial inclusion&#44; and business-related perspectives &#40;<a class="elsevierStyleCrossRef" href="#bib0010">Boskov&#44;&#160;2019</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0024">Fathima&#44;&#160;2020</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0043">Lau &#38; Leimer&#44;&#160;2019</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0077">Tosun&#44;&#160;2020</a>&#41;&#46; Digital-only banks are revolutionary fintech applications that break away from conventional banking norms&#44; completely paperless&#44; signature-less&#44; and branchless banks&#46; Thus&#44; it changes the financial ecosystem landscape and how businesses operate&#44; which improves operational efficiency while also facing security and privacy challenges &#40;<a class="elsevierStyleCrossRef" href="#bib0019">Dharamshi&#44;&#160;2019</a>&#41;&#46; However&#44; despite its massive adoption&#44; limited empirical studies have been published in peer-reviewed journals regarding digital-only&#47;virtual&#47;internet-only banking from the perspective of customer and customer experiences&#46;</p></span><span id="sec0004" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0007">Customer experiences in digital banking</span><p id="para0014" class="elsevierStylePara elsevierViewall">It is common for customers to open accounts in several banks&#46; Younger customers easily compare the services provided by banks and switch banks &#40;<a class="elsevierStyleCrossRef" href="#bib0013">Clemes&#44;&#160;Gan&#44; &#38; Zhang&#44; 2010</a>&#41;&#46; This drives banks to provide unique and exceptional services through Internet technology&#46;</p><p id="para0015" class="elsevierStylePara elsevierViewall">The use of technology such as digital banking in service innovation to meet clients&#39; needs is best understood through its relationship with service users and how they perceive the service &#40;<a class="elsevierStyleCrossRef" href="#bib0001">Ababa&#44;&#160;2018</a>&#41;&#46; Customers expect to utilize digital banking similar to social media&#44; and they can use the services anytime&#44; anywhere&#44; and under any conditions &#40;<a class="elsevierStyleCrossRef" href="#bib0020">Dootson&#44;&#160;Beatson&#44; &#38; Drennan&#44; 2016</a>&#41;&#46; However&#44; the bank&#39;s digitalization also has implications for users&#44; such as privacy&#44; security&#44; time&#44; and performance risk&#44; and other associated risks &#40;<a class="elsevierStyleCrossRef" href="#bib0052">Mbama &#38; Esepue&#44;&#160;2018</a>&#59; <a class="elsevierStyleCrossRef" href="#bib89">Alkhowaiter&#44;&#160;2020&#41;</a>&#46;</p><p id="para0016" class="elsevierStylePara elsevierViewall">Besides convenience&#44; digital banks offer more financial and psychological benefits than traditional banks do&#46; For example&#44; the two main digital banking players in Indonesia&#44; Jenius&#44; and Digibank offer monetary advantages that traditional banks have never provided&#44; such as free transfers to other banks&#44; no initial account fees&#44; high-interest deposits&#44; and free withdrawals from any ATM&#46; In addition&#44; they offer non-monetary benefits such as virtual customer services&#44; expenditure tracking and allocation&#44; splitting bills&#44; etc&#46; The study explored whether or not these features are attractive enough to lure customers into using this service&#46;</p><p id="para0017" class="elsevierStylePara elsevierViewall">Customer experience is an important factor that marketers must analyze to generate a marketing strategy &#40;<a class="elsevierStyleCrossRef" href="#bib0073">Sorofman&#44;&#160;Virzi&#44; &#38; Genovese&#44; 2015</a>&#41;&#46; Meanwhile&#44; advanced technology enables the banking industry to deliver its services in many forms&#44; leading to positive or negative experiences for customers and affecting how a bank outperforms the competition&#46; Customer experience is defined as the customer&#39;s cognitive and affective assessment of all direct and indirect encounters with the firm relating to their purchasing behavior &#40;<a class="elsevierStyleCrossRef" href="#bib0040">Klaus &#38; Maklan&#44;&#160;2013</a>&#41;&#46; Digital banking experiences include service quality&#44; functional quality&#44; perceived value&#44; service customization&#44; service speed&#44; employee-customer engagement&#44; brand trust&#44; digital banking innovation&#44; perceived usability&#44; and perceived risk &#40;<a class="elsevierStyleCrossRef" href="#bib0052">Mbama &#38; Esepue&#44;&#160;2018</a>&#41;&#46;</p><p id="para0018" class="elsevierStylePara elsevierViewall">In particular&#44; there are some differences in experiencing digital services for younger customers&#46; Young &#40;vs&#46; older&#41; consumers are more likely to rely less on heuristic processing &#40;<a class="elsevierStyleCrossRef" href="#bib0086">Yoon&#44;&#160;1997</a>&#41;&#46; As consumers move through their life cycle&#44; their needs and responses to marketing programs tend to shift to be more benefit-oriented &#40;<a class="elsevierStyleCrossRef" href="#bib0004">Akturan &#38; Tezcan&#44;&#160;2012</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0037">Khan&#44;&#160;Fatma&#44; Shamim&#44; Joshi&#44; &#38; Rahman&#44; 2020</a>&#41;&#46; Customer experience develops younger customers&#8217; affective commitment but not older customers&#8217;&#46; For younger &#40;vs&#46; older&#41; customers&#44; a stronger effect of customer experience on affective commitment confirms that consumers with different age profiles experience brand-related stimuli differently&#46; The development of experiential value-laden interactions seems most promising for young customers &#40;<a class="elsevierStyleCrossRef" href="#bib0038">Khan&#44;&#160;Hollebeek&#44; Fatma&#44; Islam&#44; &#38; Riivits-Arkonsuo&#44; 2020</a>&#41;&#46;</p><p id="para0019" class="elsevierStylePara elsevierViewall">Previous studies discuss digital banking&#46; However&#44; only a few have focused on customer user experience&#46; There are many theories on the new technology adoption used in prior studies&#44; such as the technology acceptance model &#40;TAM&#41; by <a class="elsevierStyleCrossRef" href="#bib0017">Davis&#160;&#40;1989&#41;</a>&#44; theory of reasoned action &#40;TRA&#41; by <a class="elsevierStyleCrossRef" href="#bib0026">Fishbein&#160;and Ajzen&#160;&#40;1975&#41;</a>&#44; theory of planned behavior &#40;TPB&#41; by <a class="elsevierStyleCrossRef" href="#bib0003">Ajzen&#160;&#40;1985&#41;</a>&#44; diffusion of innovation &#40;DOI&#41; by <a class="elsevierStyleCrossRef" href="#bib0064">Rogers&#160;&#40;1962&#41;</a>&#44; and unified theory of acceptance &#40;UTAUT and UTAUT 2&#41; &#40;<a class="elsevierStyleCrossRefs" href="#bib0081">Venkatesh&#44; Morris&#44; Davis&#44; &#38; Davis&#44; 2003&#59; Venkatesh&#44; Thong&#44; &#38; Xu&#44; 2012</a>&#41;&#46; However&#44; these adoption theories cannot be directly applied to customer experience research because they do not capture customers&#39; overall experience &#40;e&#46;g&#46;&#44; rational&#44; emotional&#44; sensorial&#44; physical&#44; and spiritual&#41; between a customer&#44; product&#44; and company&#46; These types of experiences could be triggered by various stimuli that subsequently affect how they make financial choices&#46; Therefore&#44; we must elaborate on other factors through exploratory studies with specific contexts on digital-only banks and to younger customer&#46;</p><p id="para0020" class="elsevierStylePara elsevierViewall"><a class="elsevierStyleCrossRef" href="#bib0052">Mbama&#160;and Ezepue&#160;&#40;2018&#41;</a> study on customer experience in digital banking confirmed that perceived value&#44; functional quality&#44; service quality&#44; employee-customer engagement&#44; perceived risk&#44; and perceived usability positively affect customer experience&#46; However&#44; <a class="elsevierStyleCrossRef" href="#bib0015">Cruz&#44;&#160;Salo&#44; Munoz-Gallego&#44; and Laukkanen&#160;&#40;2010&#41;</a> stated that customer experience in digital banking is focused on utilitarian goals&#46; Still&#44; they found that hedonic consumption has a role in customer experience and elaborated that it was as necessary as utilitarian consumption&#46; Meanwhile&#44; other studies on online customer experiences have identified ease of use as a proxy of the quality of online banking services &#40;<a class="elsevierStyleCrossRef" href="#bib0008">Bilgihan&#44;&#160;Kandampully&#44; &#38; Zhang&#44; 2016</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0033">Jun &#38; Cai&#44;&#160;2001</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0065">Rose&#44;&#160;Hair&#44; &#38; Clark&#44; 2011</a>&#41;&#46; Therefore&#44; this study combines several theories of customer adoption and customer experience in digital banking&#46; In addition&#44; we conducted interviews to gain information about the fit dimensions&#44; as research carried out in Gen Y and Gen Z customers and in developing countries &#40;Indonesia&#41; could possess different characteristics compared to prior research&#46;</p></span></span><span id="sec0005" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0008">Methodology</span><p id="para0021" class="elsevierStylePara elsevierViewall">We utilized a sequential mixed-methods approach &#40;<a class="elsevierStyleCrossRef" href="#bib0014">Creswell&#44;&#160;2009</a>&#41;&#46; We started with qualitative semi-structured interviews &#40;Study 1&#41; to explore the motivating factors and customers&#39; experiences when using digital banks&#46; A qualitative-exploratory approach is necessary for this context because of the limitations of the literature regarding experiential factors impacting digital-only banking&#46; In addition&#44; due to its special characteristics that operate fully virtual&#44; this context differs from other studies on digital services operated by traditional banks&#46; Further&#44; our study focuses on young customers aged 17&#8211;35&#44; who are digital natives and have different behavior and characteristics in using financial services&#44; which were not covered by previous studies&#46;</p><p id="para0022" class="elsevierStylePara elsevierViewall">The factors obtained from &#40;Study 1&#41; were then analyzed to formulate hypotheses&#44; and based on this&#44; a second quantitative phase &#40;Study 2&#41; was carried out&#46; Finally&#44; we used a quantitative survey &#40;Study 2&#41; to validate the elements and obtain more generalizable results&#46; The study wants to know whether the intention to use can be explained by economic value&#44; ease of use&#44; social influence&#44; firm reputation&#44; promotion&#44; features&#44; curiosity&#44; and reward&#46; Multiple linear regression is the best data analysis for bivariate regression context &#40;<a class="elsevierStyleCrossRef" href="#bib0050">Malhotra&#44;&#160;2019</a>&#41;&#46; The multiple linear regression model was used to determine the relationship between the variables and the level of significance of each independent variable &#40;<a class="elsevierStyleCrossRef" href="#bib0027">Hair&#44;&#160;Black&#44; Babin&#160;and Anderson&#44; 2009</a>&#41;&#46;</p><span id="sec0006" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0009">Study 1&#58; exploratory study</span><p id="para0023" class="elsevierStylePara elsevierViewall">Qualitative exploratory research was conducted using in-depth semi-structured interviews&#46; A convenience sampling method was used in this study to uncover customer motivational factors and their experiences when using digital banking&#46; Therefore&#44; participants were selected based on their experiences in using digital banking &#40;i&#46;e&#46;&#44; having at least one active digital bank account&#41;&#46; Twenty participants were chosen&#58; ten participants aged 17&#8211;25 years and ten aged 26&#8211;35 depicting the proportion of actual users targeted by digital banks&#46; The numbers of male and female participants were balanced to avoid gender bias&#46;</p><p id="para0024" class="elsevierStylePara elsevierViewall">The initial questions covered two essential phases&#58; 1&#41; customer motivation to sign up to a digital banking service &#40;including their decision-making process and influencing factors&#41; and 2&#41; customer experience while using the digital banking service &#40;difficulties faced&#44; benefits encountered during usage&#44; willingness to recommend&#44; and continued usage intention&#41;&#46;</p><p id="para0025" class="elsevierStylePara elsevierViewall">The primary data collection process ended after data saturation was reached&#46; Data saturation was reached when additional sampling was unnecessary because no new information related to the research question was obtained after the additional interviews&#46; The open and manual coding is feasible for the code with a few interviews &#40;<a class="elsevierStyleCrossRef" href="#bib0007">Basit&#44;&#160;2003</a>&#41;&#44; and this study only has twenty interviewees&#46; Data were analyzed using open and manual coding to ensure comprehensive analysis and interpretation &#40;<a class="elsevierStyleCrossRef" href="#bib0066">Saldana&#44;&#160;2015</a>&#41;&#46; After finding the keywords&#44; the results were interpreted and proposed as factors for Study 2&#46;</p></span><span id="sec0007" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0010">Study 1&#58; results</span><p id="para0026" class="elsevierStylePara elsevierViewall">The eight factors identified during the interviews were economic value&#44; perceived ease of use&#44; social influence&#44; firm reputation&#44; sales promotions&#44; product features&#44; curiosity&#44; and rewards&#46; The categorization results from open coding are shown in <a class="elsevierStyleCrossRef" href="#tbl0002">Table 2</a>&#46;</p><elsevierMultimedia ident="tbl0002"></elsevierMultimedia><p id="para0027" class="elsevierStylePara elsevierViewall">The participants described <span class="elsevierStyleItalic">economic value</span> in terms of additional benefits or cost reduction as a value-adding characteristic&#46; Customer perceived value has been shown to predict the intention to use in mobile service settings &#40;<a class="elsevierStyleCrossRef" href="#bib0084">Wang&#44;&#160;Lin&#44; &#38; Luarn&#44; 2006</a>&#41;&#46;</p><p id="para0028" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleItalic">Perceived ease of use</span> and <span class="elsevierStyleItalic">social influence</span> were described as factors that motivated them to use digital banking&#46; Ease of use reduces customer mistakes when using a novel technology or product&#46; As for social influence&#44; gen Y and gen Z rely on&#160;social&#160;proof to guide their decision-making&#44; including financial decisions &#40;Mun&#44; Khalid&#44; &#38; Nadarajah&#44; 2017&#41;&#46; Further&#44; perceived ease of use and social influence have been discussed widely as affecting customer intention to use technology in TAM and UTAUT&#44; respectively&#46;</p><p id="para0029" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleItalic">Firm reputation</span> is essential because customers need to trust the company before using the product&#46; Credible conventional banks support the digital banks in Indonesia &#40;Jenius and Digibank&#41;&#46; Jenius was developed by BTPN&#44; a well-known public bank under the control of the government&#44; and Digibank is run with support from DBS Indonesia&#44; an international bank based in Singapore that is known globally&#46; Firm reputation affects customer trust&#44; reliability&#44; and perceived assurance&#44; and the firm&#39;s reputation might always be a big consideration for the customer&#44; particularly for financial services &#40;<a class="elsevierStyleCrossRef" href="#bib0083">Walker&#44;&#160;2010</a>&#41;&#46; Firm reputation can assist in overcoming perceived risk&#44; which subsequently affects customers&#39; purchase intentions &#40;<a class="elsevierStyleCrossRef" href="#bib0039">Kim &#38; Lennon&#44;&#160;2013</a>&#41;&#46;</p><p id="para0030" class="elsevierStylePara elsevierViewall">The interviewees enthusiastically described <span class="elsevierStyleItalic">sales promotions</span>&#46; The essential services offered by digital banks are similar to those offered by conventional banks&#46; Digital banks must therefore create different promotion strategies to gain the attention of target markets&#46; For this study&#44; sales promotions are limited to incentives provided by third parties or partnered organizations to promote the immediate use of the payment&#46; An example of digital banking promotions includes discounts on selected third-party items if paid using digital banking&#44; additional points from partnered merchants&#44; cashback&#44; vouchers&#44; and coupons&#46; These short-term incentives have been particularly effective among younger customers who prefer monetary incentives &#40;<a class="elsevierStyleCrossRef" href="#bib0072">Smith&#44;&#160;2012</a>&#41;&#46;</p><p id="para0031" class="elsevierStylePara elsevierViewall">The <span class="elsevierStyleItalic">product features</span> indicate customer interest in the special characteristics of digital banking technology&#44; which provides them with financial solutions&#46; As consumer experiences are increasingly important in the digital service context&#44; it is critical to develop superior product features to convince customers&#46; The features must be unique and different from those of Internet and mobile banking&#46; For example&#44; Jenius offers unique features&#44; like bill sharing and reminders&#44; to pay back the money&#46; Some customers feel that these useful features help them manage their money&#46; This variable is mentioned because of the advanced technology present in the current era&#44; which is expected to lead to valuable service&#44; efficiency&#44; and convenience&#46;</p><p id="para0032" class="elsevierStylePara elsevierViewall">As the respondents were young generations&#44; <span class="elsevierStyleItalic">curiosity</span> appeared in the initial findings&#46; As our participant age starts from 17 years old&#44; which is the legal year to have their first own bank account&#44; they might do several trials and experience new banking service&#46; Young customers are likely to have high curiosity and low uncertainty avoidance and like to experience new things&#46;</p><p id="para0033" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleItalic">Customers believe rewards</span> influence their use intention&#46; As mentioned before&#44; the only visible difference between traditional and digital banks is the physical form of the bank&#44; while the differences in the services offered remain unclear&#46; Thus&#44; a reward system is essential to attract customers&#39; attention&#46; Unlike sales promotions&#44; which are supported by third parties and restricted to partnered merchants&#44; rewards are direct actions taken by a company to show appreciation for customers&#39; use of their product&#44; for instance&#44; cashback after fund transfers&#46; Customers might prefer rewards above sales promotions because the incentives are not tied to and do not depend on their usage of other parties or merchants&#46;</p></span><span id="sec0008" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0011">Hypotheses development</span><p id="para0034" class="elsevierStylePara elsevierViewall">Eight hypotheses were proposed in this study based on the eight factors obtained from Study I&#46; In market research&#44; monetary cost&#47;value is typically conceptualized along with the quality of products or services to determine the perceived worth &#40;<a class="elsevierStyleCrossRef" href="#bib92">Zeithaml&#44;&#160;1988</a>&#41;&#46; However&#44; the economic value of using technology appears to be larger than the monetary value&#44; and such a price value has a positive impact on intention &#40;<a class="elsevierStyleCrossRef" href="#bib0082">Venkatesh&#44;&#160;Thong&#44; &#38; Xu&#44; 2012</a>&#41;&#46; Therefore&#44; the first hypothesis is as follows&#58;</p><p id="para9001" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0001"><span class="elsevierStyleLabel">H1</span><p id="para0035" class="elsevierStylePara elsevierViewall">Economic value positively affects the intention to use digital banking&#46;</p></span></p><p id="para0036" class="elsevierStylePara elsevierViewall">Many studies of users&#39; intentions have found that individuals minimize behavior efforts&#46; Therefore&#44; the more comfortable the system&#39;s usability is&#44; the more customers view it as useful&#46; Previous studies have supported the theory that there is a positive relationship between perceived ease of use and intention to use &#40;<a class="elsevierStyleCrossRef" href="#bib0058">Oh&#44;&#160;Cruickshank&#44; &#38; Anderson&#44; 2009</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0069">Schierz&#44;&#160;Schilke&#44; &#38; Wirtz&#44; 2010</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0088">Zhang &#38; Mao&#44;&#160;2008</a>&#41;&#46; Furthermore&#44; <a class="elsevierStyleCrossRef" href="#bib0016">Danurdoro&#160;and Wulandari&#160;&#40;2016&#41;</a> also researched the intention to use internet banking in Indonesia&#46; Their results indicated that the perceived ease of use is related to the intention to use Internet banking&#46; Therefore&#44; the second hypothesis is as follows&#46;</p><p id="para9002" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0002"><span class="elsevierStyleLabel">H2</span><p id="para0037" class="elsevierStylePara elsevierViewall">Perceived ease of use positively affects the intention to use digital banking&#46;</p></span></p><p id="para0038" class="elsevierStylePara elsevierViewall">According to <a class="elsevierStyleCrossRef" href="#bib0051">Marr&#160;and Prendergast&#160;&#40;1993&#41;</a>&#44; a lack of human interaction considerably inhibits the adoption of new technologies&#46; Social influence &#40;SI&#41; results from environmental factors&#44; such as the opinions of a user&#39;s friends and relatives &#40;<a class="elsevierStyleCrossRef" href="#bib0081">Venkatesh&#44;&#160;Morris&#44; Davis&#44; &#38; Davis&#44; 2003</a>&#41; <a class="elsevierStyleCrossRef" href="#bib0085">Yaseen&#160;and Qirem&#160;&#40;2018&#41;</a>&#46; also found that social influence has a positive relationship with the intention to use digital banking services&#46; Therefore&#44; the third hypothesis is as follows&#46;</p><p id="para9003" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0003"><span class="elsevierStyleLabel">H3</span><p id="para0039" class="elsevierStylePara elsevierViewall">Social influence positively affects the intention to use digital banking&#46;</p></span></p><p id="para0040" class="elsevierStylePara elsevierViewall">The service provider&#39;s reputation is also one of the main factors influencing customer choice in services enabled by technology &#40;<a class="elsevierStyleCrossRef" href="#bib0005">Aladwani&#44;&#160;2001</a>&#41;&#46; A good reputation guarantees the company&#39;s ability&#44; integrity&#44; and goodwill&#44; thereby helping to increase trust&#44; even when consumers do not have direct knowledge of service companies &#40;<a class="elsevierStyleCrossRef" href="#bib0048">Lohse &#38; Spiller&#44;&#160;1998</a>&#41;&#46; Therefore&#44; the fourth hypothesis is as follows&#58;</p><p id="para9004" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0004"><span class="elsevierStyleLabel">H4</span><p id="para0041" class="elsevierStylePara elsevierViewall">Firm reputation positively affects the intention to use digital banking&#46;</p></span></p><p id="para0042" class="elsevierStylePara elsevierViewall">Promotion is the value of every discount or promotion offered by digital banks generated through dynamically generated advertising messages&#46; The promotions referred to in this study are incentives provided through third parties &#40;for example&#44; M-Tix balance discounts when paying using a digital bank account&#41; <a class="elsevierStyleCrossRef" href="#bib0074">Teck&#160;Weng &#38; Cyril de Run&#160;&#40;2013&#41;</a>&#46; posited that promotions positively affect behavioral intention&#46; Its effect lies in monetary value and extrinsic motivation&#44; leading to stronger customer preferences&#46; Therefore&#44; the fifth hypothesis is as follows&#46;</p><p id="para9005" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0005"><span class="elsevierStyleLabel">H5</span><p id="para0043" class="elsevierStylePara elsevierViewall">Promotion positively affects the intention to use digital banking&#46;</p></span></p><p id="para0044" class="elsevierStylePara elsevierViewall">Service features are a competitive tool to differentiate a company&#39;s products from comparable products by competitors &#40;<a class="elsevierStyleCrossRef" href="#bib0042">Kotler &#38; Armstrong&#44;&#160;2010</a>&#41;&#46; With various product features offered by producers&#44; consumers will be satisfied with products that suit their current needs&#46; For example&#44; in digital banking&#44; features such as splitting bills with friends&#44; flexible savings&#44; and virtual credit cards are unique financial service offerings that have never been available through conventional banking&#46; Therefore&#44; the sixth hypothesis is as follows&#46;</p><p id="para9006" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0006"><span class="elsevierStyleLabel">H6</span><p id="para0045" class="elsevierStylePara elsevierViewall">Features positively affect the intention to use digital banking&#46;</p></span></p><p id="para0046" class="elsevierStylePara elsevierViewall">There are four types of curiosity&#58; interpersonal&#44; epistemic&#44; sensory&#44; and perceptual &#40;<a class="elsevierStyleCrossRef" href="#bib0047">Litman&#44;&#160;2008</a>&#41;&#46; Epistemic curiosity is defined as the desire to motivate individuals to eliminate information gaps and when people learn about new things&#44; including new types of banking service &#40;<a class="elsevierStyleCrossRef" href="#bib0023">Fang&#44;&#160;2014</a>&#41;&#46; Therefore&#44; many prospective users become curious and want to learn about technological developments&#44; as digital banks are new technologies in Indonesia&#46; In their study of online shopping&#44; <a class="elsevierStyleCrossRef" href="#bib0041">Koo&#160;and Ju&#160;&#40;2010&#41;</a> showed that curiosity influences shopping intentions&#46; Therefore&#44; the proposed seventh hypothesis is</p><p id="para9007" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0007"><span class="elsevierStyleLabel">H7</span><p id="para0047" class="elsevierStylePara elsevierViewall">Curiosity positively affects the intention to use digital banking&#46;</p></span></p><p id="para0048" class="elsevierStylePara elsevierViewall">A reward is a strategy or policy used to appreciate an individual&#39;s contribution&#44; in financial or non-financial forms&#46; The bonuses referred to in this study are incentives provided directly by the digital bank &#40;for example&#44; cashback rewards every Monday&#44; if transferring money to other banks&#41;&#46; A reward is a reinforcement that triggers motivation &#40;<a class="elsevierStyleCrossRef" href="#bib0045">Lepper&#160;and Greene&#44;&#160;2015</a>&#41;&#46; Therefore&#44; the final hypothesis proposed is</p><p id="para9008" class="elsevierStylePara elsevierViewall"><span class="elsevierStyleEnunciation" id="enun0008"><span class="elsevierStyleLabel">H8</span><p id="para0049" class="elsevierStylePara elsevierViewall">Reward positively affects the intention to use digital banking&#46;</p></span></p></span><span id="sec0009" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0012">Study 2&#58; survey</span><span id="sec0010" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0013">Conceptual framework</span><p id="para0050" class="elsevierStylePara elsevierViewall">Based on the concepts discussed in the previous section&#44; we developed a conceptual framework to identify the factors leading to the use of digital banks in Indonesia &#40;<a class="elsevierStyleCrossRef" href="#fig0001">Fig&#46; 1</a>&#41;&#46;</p><elsevierMultimedia ident="fig0001"></elsevierMultimedia><p id="para0051" class="elsevierStylePara elsevierViewall">In Study 2&#44; an online questionnaire was designed based on Study 1 to test the hypotheses&#46; The eligibility criteria were similar to those of Study 1&#44; namely people from the Indonesian population who have a digital bank account&#44; male and female&#44; aged 17&#8211;35 years&#46; Purposive sampling was used to assess the eligibility of the sample by confirming participants&#39; ownership and experiences in using digital bank accounts daily within the last six months&#46; The questionnaires were distributed to 450 respondents&#44; and 402 valid questionnaires were received for further processing&#46; Among the 402 respondents&#44; 37&#46;3&#37; were men&#44; and 62&#46;7&#37; were women&#46;</p><p id="para0052" class="elsevierStylePara elsevierViewall">The questionnaire was arranged in two sections&#46; The first section dealt with the sociodemographic characteristics of the respondents&#44; including digital bank possession&#44; gender&#44; age&#44; domicile&#44; education level&#44; monthly expenditure and savings per month&#44; and occupation&#46; The second section consisted of questions related to the eight factors identified in Study 1 and the intention to use digital banks&#46; The questionnaire used a Likert scale with a range of 1&#8211;7&#44; 1 as strongly disagree&#44; and 7 as strongly agree&#46; The scale was adopted from several sources&#58; the economic value scale from <a class="elsevierStyleCrossRef" href="#bib0044">Lee&#44;&#160;Pi&#44; Kwok&#44; and Huynh&#160;&#40;2003&#41;</a>&#44; the perceived ease of use&#44; social influence&#44; and intention to use scales from &#40;<a class="elsevierStyleCrossRef" href="#bib0075">Thakur &#38; Srivastava&#44;&#160;2014</a>&#41;&#44; the firm reputation scale from <a class="elsevierStyleCrossRef" href="#bib0031">Jin&#44;&#160;Park&#44; and Kim&#160;&#40;2008&#41;</a>&#44; and the curiosity scale from <a class="elsevierStyleCrossRef" href="#bib0034">Kashdan&#160;et&#160;al&#46;&#160;&#40;2009&#41;</a>&#46; We used self-developed scales from the interview results for the other variables &#40;promotion&#44; features&#44; and rewards&#41;&#46; Detailed operational variables are listed in <a class="elsevierStyleCrossRef" href="#tbl0003">Table 3</a>&#46; The surveys were distributed online and spread across major cities in Indonesia&#46;</p><elsevierMultimedia ident="tbl0003"></elsevierMultimedia></span></span><span id="sec0011" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0014">Validity and reliability</span><p id="para0053" class="elsevierStylePara elsevierViewall">First&#44; the model was confirmed through validity and reliability tests before the hypothesis measurement&#46; Cronbach&#39;s alpha was used to test the reliability and Pearson&#39;s correlation for the validity test&#46; The construct can be claimed to be reliable when Cronbach&#39;s alpha scores are above 0&#46;6&#46; <a class="elsevierStyleCrossRef" href="#tbl0004">Table 4</a> presents the reliability score&#44; and it can be seen that all variables have passed 0&#46;6&#46; Meanwhile&#44; the Pearson correlation compares the r-table and r-statistic for the validity test&#46; Each indicator from the construct must present the r-table &#60; r-statistic&#44; and the r-table for 402 respondents was 0&#46;082&#46; In <a class="elsevierStyleCrossRef" href="#tbl0004">Table 4</a>&#44; the r-statistic for all the indicators is higher than 0&#46;082&#46; Based on the above criteria&#44; our data results are valid and reliable&#46;</p><elsevierMultimedia ident="tbl0004"></elsevierMultimedia><elsevierMultimedia ident="tbl0005"></elsevierMultimedia></span></span><span id="sec0012" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0015">Result and discussions</span><p id="para0054" class="elsevierStylePara elsevierViewall">We performed data analysis using multiple linear regression &#40;MLR&#41;&#46; First&#44; the model summary was checked to determine the goodness of the regression model&#46; Our adjusted R-square value is 0&#46;532&#44; which means that 53&#46;2&#37; of the intention to use is explained by the eight independent variables&#44; which indicates a good regression model&#46; Second&#44; our results show that F &#40;8393&#41;&#160;&#61;&#160;58&#46;139 and p-value &#60;0&#46;005 &#40;the significant value is 0&#46;00000&#41;&#44; indicating that the regression model is a good fit with the data&#46; Finally&#44; we conducted hypothesis testing to consider whether the relationships proposed in our model are significant &#40;p-value must be below 0&#46;05&#41;&#46; From <a class="elsevierStyleCrossRef" href="#tbl0006">Table 6</a>&#44; it can be seen that six of the eight hypotheses are accepted&#46; Economic value&#44; perceived ease of use&#44; social influence&#44; firm reputation&#44; features&#44; and rewards significantly influence the intention to use&#44; while promotion and curiosity do not&#46;</p><elsevierMultimedia ident="tbl0006"></elsevierMultimedia><p id="para0055" class="elsevierStylePara elsevierViewall">Economic value is a significant predictor of intention to use digital banking&#46; This result is consistent with <a class="elsevierStyleCrossRef" href="#bib0087">Yuen&#44;&#160;Wang&#44; Ng&#44; and Wong&#160;&#40;2018&#41;</a>&#44; who established that economic value and its relative advantages are significant antecedents of intention to use in various technology-enabled service applications&#46; Particularly for financial services&#44; customers prefer a service that gives them monetary advantages to grow their funds&#46; The interviewees supported this argument&#46; They argued that digital-only bank products must provide additional value for particular monetary features&#46; For instance&#44; the concept that customers can withdraw their money from many traditional banks&#39; ATMs is convenient for Gen Y and Gen Z because they are mobile and active generations who move from one place to another&#59; therefore&#44; this feature saves time&#46;</p><p id="para0056" class="elsevierStylePara elsevierViewall">The findings show that the perceived ease of using digital-only banking applications &#40;apps&#41; positively affects customer intention to use a digital-only bank&#46; If digital banking is simple&#44; convenient&#44; and easy to navigate&#44; it is also easier for customers to become familiar with it and be willing to use it&#46; The perceived ease of use variable has been discussed in the TAM and its extended theories &#40;<a class="elsevierStyleCrossRef" href="#bib0017">Davis&#44;&#160;1989</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0079">Venkatesh &#38; Bala&#44;&#160;2008</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0080">Venkatesh &#38; Davis&#44;&#160;2000</a>&#41;&#46; TAM theory states that perceived ease of use influences a customer&#39;s intention to use&#46; Gen Y and Gen Z are technology-savvy individuals&#59; however&#44; this does not mean they like complexity when operating the technology&#46; The interviewees said they are productive people who did not want to spend too much time learning how to operate the digital bank features&#59; they prefer brief guidelines&#46; Sometimes&#44; the long instruction leads to failed transactions because of misinterpretation&#46; Therefore&#44; simple&#44; convenient&#44; and easy to navigate applications are better for these generations&#46;</p><p id="para0057" class="elsevierStylePara elsevierViewall">Social influence was also a positive predictor of the intention to use digital banking among young customers&#46; Social influence has been mentioned several times in the technology adoption literature&#44; such as in the UTAUT &#40;<a class="elsevierStyleCrossRef" href="#bib0081">Venkatesh&#160;et&#160;al&#46;&#44; 2003</a>&#41;&#46; Further&#44; when digital banks target young customers&#44; social influence becomes more significant in affecting customer use intention&#46; Gen Y and Gen Z are more connected to peers&#44; have a strong social conscience&#44; and consider opinions from friends and fellow consumers as a more reliable basis for adoption decisions &#40;<a class="elsevierStyleCrossRef" href="#bib0062">Purani&#44;&#160;Kumar&#44; &#38; Sahadev&#44; 2019</a>&#41;&#46; In line with interview respondents&#39; arguments&#44; they considered using digital-only banking when recommended by their friends&#46; Since digital-only banks have a very low physical presence&#44; external confirmation is needed to prove the reliability of the service&#46; Potential users might barely know about the digital-only bank&#44; so opinions from significant others could enhance customer trust and confidence in using a digital-only bank&#46;</p><p id="para0058" class="elsevierStylePara elsevierViewall">Firm reputation is also shown to significantly affect intention to use&#46; Reputation is more important for purely online service providers &#40;such as digital banking&#41; than multichannel service providers&#46; Multichannel consumers form service expectations based on their offline channel experiences or knowledge &#40;<a class="elsevierStyleCrossRef" href="#bib0032">Jin&#44;&#160;Park&#44; &#38; Kim&#44; 2009</a>&#41;&#46; It is not easy to gain customer trust as a new brand&#44; especially for banks that do not have brick-and-mortar offices&#46; In this study&#44; both Jenius and Digibank are known to be backed up by conventional banks&#46; The interviewees said they were willing to use the digital bank because credible traditional banks guaranteed them&#46; Thus&#44; customers do not hesitate to use the derivative products of these banks&#46;</p><p id="para0059" class="elsevierStylePara elsevierViewall">The novel findings of this study include the positive effects of product features and rewards&#46; Product features are measured by three items&#58; whether it is valuable&#44; good fit of customer needs&#44; and provide solutions for financial management problems&#46; Product features cover the basic financial solution and additional valuable solutions that meet customer demands and are considered value-added&#46; Individual perceptions about the value that meets and exceeds expectations will subsequently affect customer use behavior &#40;<a class="elsevierStyleCrossRef" href="#bib0029">Hong&#44;&#160;Lin&#44; &#38; Hsieh&#44; 2017</a>&#41;&#46; Therefore&#44; the digital-only bank must offer unique features to traditional banks to make them more attractive&#46; One of the features of digital-only banks is the cashtag&#59; in this feature&#44; the user can replace the bank account number with a nickname&#46; For instance&#44; if the bank account number is 12&#44;345&#44; it is replaced by the nickname &#34;&#64;deliciouscake&#34; and the other users can easily remember the bank account&#46; The respondents said that a feature cashtag had attracted her intention because of its simplicity&#46; In addition&#44; the attainment of extrinsic rewards&#44; such as cashback and other monetary benefits&#44; directly from the service provider lead to customer satisfaction and behavioral intention &#40;<a class="elsevierStyleCrossRef" href="#bib0078">Tussyadiah&#44;&#160;2016</a>&#41;&#46;</p><p id="para0060" class="elsevierStylePara elsevierViewall">Finally&#44; surprising results come from sales promotions and curiosity&#44; as they are not significant predictors of the intention to use digital banking&#46; These results contradict <a class="elsevierStyleCrossRef" href="#bib0072">Smith&#160;&#40;2012&#41;</a>&#44; who endorse short-term incentives for the younger generation&#46; Sales promotions and curiosity have similar characteristics that promote short-term actions&#46; A strategy to increase sales promotion and induce customer curiosity might work for temporal behavior&#44; such as willingness to try &#40;<a class="elsevierStyleCrossRef" href="#bib0068">Santini&#44;&#160;Vieira&#44; Sampaio&#44; &#38; Perin&#44; 2016</a>&#41;&#46; However&#44; a longer commitment is required for intention to use&#46; Commitment is strongly linked to purchase intention in financial services &#40;<a class="elsevierStyleCrossRef" href="#bib0009">Bloemer &#38; Odekerken-Schroder&#44;&#160;2003</a>&#41;&#46; Digital banks and financial services are considered high-involvement products that inherently possess a higher perceived risk&#44; especially in the context of online or digital transactions &#40;<a class="elsevierStyleCrossRef" href="#bib0067">Sanchez-Franco&#44;&#160;2009</a>&#41;&#46; Even though millennials exhibit lower loyalty in terms of products or services &#40;<a class="elsevierStyleCrossRef" href="#bib0062">Purani&#160;et&#160;al&#46;&#44; 2019</a>&#41;&#44; financial decision-making requires careful consideration&#46; The customer must be committed before using a product&#46; Therefore&#44; short-term induced strategies may not predict digital bank customers&#39; use intentions&#46;</p></span><span id="sec0013" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0016">Conclusion</span><span id="sec0014" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0017">Theoretical implications</span><p id="para0061" class="elsevierStylePara elsevierViewall">The emergence of digital banking has disrupted the banking industry in emerging countries&#46; Predictions show that opportunities in this industry are growing yearly&#44; making them more attractive&#46; Even though customers have become familiar with Internet banking and mobile banking in their daily lives&#44; fully digital-only banking is still new for many of them&#46; The fact that digital-only banks do not have official offices&#44; and that all services are delivered through virtual platforms&#44; creates unique customer experiences&#46; Thus&#44; experiential factors influencing customers&#39; usage of this technology have become essential&#46;</p><p id="para0062" class="elsevierStylePara elsevierViewall">This new phenomenon of digital-only banking is new&#44; while at the same time&#44; the number of young-adult banking customers is rising&#46; However&#44; studies on digital banking and how customers behave towards its service are still limited&#46; Therefore&#44; this study aimed to specifically determine the intention to use a digital bank by focusing on the young-adult customer experience&#46;</p><p id="para0063" class="elsevierStylePara elsevierViewall">The gap in the literature regarding digital banking led us to apply a qualitative method to gather information on the essential factors of customer intention to use&#46; Through a qualitative study&#44; we found eight variables affecting Gen Y and Gen Z customers of digital banking&#58; economic value&#44; perceived ease of use&#44; social influence&#44; firm reputation&#44; sales promotions&#44; product features&#44; curiosity&#44; and reward&#46; Our qualitative study confirmed that not all of the variables on technology adoption theories &#40;e&#46;g&#46;&#44; TAM&#44; TAM 2&#44; TAM 3&#44; UTAUT&#44; UTAUT2&#44; etc&#46;&#41; were mentioned and considered important by Gen Y and Gen Z digital-only banking customers in Indonesia&#46; The new variables that emerged from the qualitative research were firm reputation&#44; promotions&#44; features&#44; curiosity&#44; and rewards&#46; These variables have not been discussed in digital banking adoption research&#46; Our nationwide quantitative survey validated that all aforementioned variables except sales promotion and curiosity&#44; have become significant factors for Gen Y and Gen Z users to experience digital-only banks&#46; This shows that promoting curiosity and offering promotions as a gimmick and short-term strategies that endorse impulsive behavior do not always lead to usage intention and commitments&#44; especially for highly utilitarian products like financial service&#46;</p></span><span id="sec0015" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0018">Practical implications</span><p id="para0064" class="elsevierStylePara elsevierViewall">The findings of this study are relevant to companies that intend to enter the digital banking industry&#46; This industry is promising&#44; as evidenced by the annual growth of digital bank providers&#46; This could increase financial access for the unbanked population across counties&#46; The Middle East and Africa have half of their population with no access to bank services&#44; followed by South and Central America with a 38&#37; unbanked population&#46; Meanwhile&#44; one-third of the people in Eastern Europe and the CIS have no bank accounts&#46; The Asia Pacific and North America present 24&#37; and 21&#37; unbanked populations&#44; respectively&#44; and also in Western and Central Europe&#44; only 6 percent of the population is unbanked &#40;<a class="elsevierStyleCrossRef" href="#bib0056">Merchant&#160;Machine&#44;&#160;2021</a>&#41;&#46; Outside of economic conditions&#44; the unbanked people&#39;s motives to not have a bank account are expensive bank costs and less accessibility to the bank office&#46; The adoption of digital-only banking by Gen Y and Gen Z can help solve this issue since digital-only banks are affordable&#44; convenient&#44; and easily accessible through mobile applications&#46;</p><p id="para0065" class="elsevierStylePara elsevierViewall">The six variables that were found to have a significant influence on the intention to use &#40;i&#46;e&#46; economic value&#44; perceived ease of use&#44; social influence&#44; firm reputation&#44; product features&#44; and rewards&#41; can be used by companies to create strategies&#46; Companies must focus on interaction-enabling features&#44; such as emphasizing the ease of use and familiarity of navigating the technology and creating features to connect customers to their peers &#40;i&#46;e&#46;&#44; split bill features&#41;&#46; Companies should also focus on reward attributes and beneficial features that foster engagement and avoid short-term strategies &#40;i&#46;e&#46;&#44; sales or viral promotions&#41; that promote impulsivity&#46; Thus&#44; creating simple&#44; attractive&#44; and rewarding applications with economic&#44; social&#44; and emotional value to customers can be major strategies for developing a digital bank&#46;</p></span><span id="sec0016" class="elsevierStyleSection elsevierViewall"><span class="elsevierStyleSectionTitle" id="cesectitle0019">Limitations and recommendations for future research</span><p id="para0066" class="elsevierStylePara elsevierViewall">Our study has several limitations&#44; and we propose several future research agendas&#46; The first limitation of this study is its methodology&#46; Although we already started from exploratory research to obtain the factors and validate them through nationwide quantitative surveys&#44; the study of customer experience might be more captivating using an experimental approach in collecting real-time customer data&#46; Therefore&#44; future studies could utilize service design methods &#40;e&#46;g&#46;&#44; customer journey mapping&#44; cultural probes&#44; persona research&#44; etc&#46;&#41; to better explore the customer needs of digital banking interfaces and features&#46; Furthermore&#44; these can be tested using experimental methods to examine how they fulfill customers&#39; utilitarian and hedonic consumption&#46;</p><p id="para0067" class="elsevierStylePara elsevierViewall">Second&#44; since this study is limited to examining customer experiences&#44; another possible area of future research is measuring customer engagement and enhancing customer lifetime value&#46; These variables can generate positive customer relationships and increase bank performance&#46; Future studies should focus on user decisions to determine which digital bank features have a greater effect on the experience to retain customers&#39; continued use&#46; Future research can expand and compare different customer profiles&#44; such as psychographic and financial behavior&#46;</p><p id="para0068" class="elsevierStylePara elsevierViewall">Finally&#44; the competition in digital-only banking will be fiercer in the future&#46; Therefore&#44; companies must find a competitive advantage to win customer attention on the usage of digital-only banking service&#46; As digital-only banking is performed on mobile platforms only&#44; future agendas should elaborate on digital user experience &#40;UX&#41; and user interface &#40;UI&#41; to drive users&#39; positive financial behaviors&#44; such as using the Nudge concept &#40;<a class="elsevierStyleCrossRef" href="#bib0076">Thaler &#38; Sunstein&#44;&#160;2008</a>&#41; and gamification &#40;<a class="elsevierStyleCrossRef" href="#bib0030">Huotari &#38; Hamari&#44;&#160;2012</a>&#41;&#46; Further&#44; it is worth exploring the advancement of AI&#44; such as developing smart recommendation systems based on predictive analytics&#44; virtual assistants&#44; API&#44; and location-based platforms to improve loyalty reward programs&#46;</p></span></span></span>"
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            3 => "Generation Y"
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        "resumen" => "<span id="abss0001" class="elsevierStyleSection elsevierViewall"><p id="spara011" class="elsevierStyleSimplePara elsevierViewall">Currently&#44; most traditional banks provide digital services and the government encourages people to use cashless payments in their everyday life&#44; particularly during the pandemic when the demand for avoiding physical encounters is getting higher&#46; There is a growing trend in the development of digital-only banks&#44; a fully virtual bank without individual physical branches where all banking activities operate through mobile applications&#46; Fully virtual operations change how individuals experience the service&#44; and subsequently&#44; their consumption and financial habits&#46; This research explores the experiential factors affecting digital-only banking services among the generation Y and Z&#46; A mixed-method approach was applied using semi-structured interviews and empirical surveys&#46; We interviewed 20 respondents to explore customers&#39; experiences&#44; followed by a survey to test the hypotheses developed from the proposed factors to 402 respondents aged 17&#8211;35 who used digital banking in the past six months&#46; We analyzed the relationship of eight variables when using digital-only banking&#58; economic value&#44; ease of use&#44; social influence&#44; firm reputation&#44; promotion&#44; features&#44; curiosity&#44; and reward&#46; Results show that all variables except curiosity and sales promotion significantly impact intention to use digital-only banking&#46; Creating an attractive and simple digital banking interface is important to support an ease-of-use experience for customers&#46; However&#44; to ensure positive customer experiences&#44; other factors must be applied&#44; such as rewards&#44; unique features&#44; and positive word-of-mouth&#46;</p></span>"
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          "leyenda" => "<p id="spara003" class="elsevierStyleSimplePara elsevierViewall">Source&#58; <a class="elsevierStyleCrossRef" href="#bib0011">BTPN&#160;&#40;2021&#41;</a>&#44; <a class="elsevierStyleCrossRef" href="#bib0018">DBS&#160;&#40;2021&#41;</a>&#59; <a class="elsevierStyleCrossRef" href="#bib0060">Otoritas&#160;Jasa Keuangan &#40;2021a</a>&#41;</p>"
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                  \t\t\t\t\tvoid\n
                  \t\t\t\t" class=""><thead title="thead"><tr title="table-row"><a name="en0001"></a><th class="td" title="\n
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                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Factors&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Digital Banking&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0003"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Mobile and Internet Banking&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th></tr></thead><tbody title="tbody"><tr title="table-row"><a name="en0004"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Registration&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0005"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Fully online through pre-downloaded app&#59; cards are sent directly to the customer &#40;no contact with the bank employee&#41;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0006"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Register through the bank and download the app&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Physical Form&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">Branchless&#44; has no physical bank&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0009"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Has physical bank and branches&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0010"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Account Verification&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0011"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Digital sign&#44; online and biometric verification&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0012"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Physical and in-person verification by coming to the bank&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0013"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Features &#40;financial service&#41; offered&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0014"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Including investment account opening &#40;i&#46;e&#46; mutual funds&#44; bonds&#44; time deposit&#44; etc&#46;&#41;&#59; e-wallet with NFC top-up&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0015"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Limited to day-to-day transactions&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0016"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Financial advisory&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0017"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Provided in the app&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0018"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Provided in the branch office&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr></tbody></table>
                  """
              ]
            ]
          ]
        ]
        "descripcion" => array:1 [
          "en" => "<p id="spara002" class="elsevierStyleSimplePara elsevierViewall">Differences between digital banking with mobile and internet banking&#46;</p>"
        ]
      ]
      2 => array:8 [
        "identificador" => "tbl0002"
        "etiqueta" => "Table 2"
        "tipo" => "MULTIMEDIATABLA"
        "mostrarFloat" => true
        "mostrarDisplay" => false
        "detalles" => array:1 [
          0 => array:3 [
            "identificador" => "alt0002"
            "detalle" => "Table "
            "rol" => "short"
          ]
        ]
        "tabla" => array:1 [
          "tablatextoimagen" => array:1 [
            0 => array:1 [
              "tabla" => array:1 [
                0 => """
                  <table border="0" frame="\n
                  \t\t\t\t\tvoid\n
                  \t\t\t\t" class=""><thead title="thead"><tr title="table-row"><a name="en0019"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Code&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0020"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Description&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0021"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Sample Quotations&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0022"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Listing Key Phrases&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th></tr></thead><tbody title="tbody"><tr title="table-row"><a name="en0023"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Economic Value&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0024"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">In the aspect of Digital Banking&#44; the component of economic value that is considered by users is cost reduction and time savings &#40;<a class="elsevierStyleCrossRef" href="#bib0036">Kenney&#44;&#160;1999</a>&#41;&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0025"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;The reason I use Jenius because free transaction and withdraw in anywhere ATM that make minimize my time&#8221; S&#44; 19&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0026"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Free transactionSaving timeFinancial solutionAffordable&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0027"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Ease of Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0028"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Easy to Use refers to the level of one&#39;s freedom from the effort or easy of use of a system &#40;<a class="elsevierStyleCrossRef" href="#bib0017">Davis&#44;&#160;1989</a>&#41;&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0029"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;Because in my opinion it is not complex and easy to use for any transaction&#8221; R&#44; 26&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0030"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SimpleConvenientUsability&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0031"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Social Influence&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0032"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Social Influence is a way for someone to do a new activity because it is influenced by others&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0033"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;Get a recommendation from a friend to use DBS&#8221; I&#44; 21&#8220;From the ads on Instagram&#44; the first time I saw it from there&#44; I was really interested in trying to use it&#8221; S&#44; 19&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0034"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">RecommendationSuggestion&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0035"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Firm Reputation&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0036"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">A good reputation guarantees the ability&#44; integrity and goodwill of the company&#44; thereby helping to increase trust even when users do not have direct knowledge of service companies &#40;<a class="elsevierStyleCrossRef" href="#bib0048">Lohse &#38; Spiller&#44;&#160;1998</a>&#41;&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0037"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;Jenius is a product development from BTPN so I think it&#39;s guaranteed&#8221; A&#44; 25&#8220;Because BTPN is a national bank&#44; it is more certain&#8221; L&#44; 28&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0038"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Product developmentSafely&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0039"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Promotion&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0040"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Promotion is the value of every discount or promotion offered by digital banks generated in dynamically generated advertising messages&#46; The promotion referred to in this study is incentives provided through third parties&#46; &#40;Example&#58; M-Tix balance charging discount using Digital Bank&#41;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0041"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;I like the one get one every Thursday premiere at XXI&#44; that is one factor why I use DBS&#8221; I&#44;21&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0042"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Lowering costBenefit and advantages&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0043"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Features&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0044"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The definition of a product &#40;service&#41; according to <a class="elsevierStyleCrossRef" href="#bib0042">Kotler&#160;and Armstrong&#160;&#40;2010&#41;</a> is a competition tool to differentiate company products from similar products that are competitors&#46; With a variety of product features offered by producers&#44; users will be increasingly satisfied with products that suit their needs to differentiate products produced by the company&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0045"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Eventually I prefer because the fit is Cashtag&#44; in my opinion it&#39;s really interesting because the only one in Indonesia is rich like that&#46; Then the second save it is because you can save money so you can save money&#8221; S&#44; 19&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0046"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Value-addedSimplify&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0047"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Curiosity&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0048"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Curiosity is the desire to learn and learn something to gain new knowledge&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0049"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;Initially because I wanted to try digital banks with the latest technology&#8221; E&#44; 26&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0050"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Digital paymentTransformationInnovation&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0051"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Reward&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0052"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Reward is a strategy or policy used to appreciate someone&#39;s contribution in the form of financial and non-financial purposes in order to gain profits&#46; The bonus referred to in this study is incentives provided directly from the digital bank&#46; &#40;Example&#58; Cashback transfers every Monday to other banks&#41;&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0053"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&#8220;I like to use Jenius because there is cashback when transferring from another bank&#8221; Fi&#44; 21&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0054"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">CashbackLowering cost&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr></tbody></table>
                  """
              ]
            ]
          ]
        ]
        "descripcion" => array:1 [
          "en" => "<p id="spara004" class="elsevierStyleSimplePara elsevierViewall">Interview results&#46;</p>"
        ]
      ]
      3 => array:8 [
        "identificador" => "tbl0003"
        "etiqueta" => "Table 3"
        "tipo" => "MULTIMEDIATABLA"
        "mostrarFloat" => true
        "mostrarDisplay" => false
        "detalles" => array:1 [
          0 => array:3 [
            "identificador" => "alt0003"
            "detalle" => "Table "
            "rol" => "short"
          ]
        ]
        "tabla" => array:1 [
          "tablatextoimagen" => array:1 [
            0 => array:1 [
              "tabla" => array:1 [
                0 => """
                  <table border="0" frame="\n
                  \t\t\t\t\tvoid\n
                  \t\t\t\t" class=""><thead title="thead"><tr title="table-row"><a name="en0055"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="left" valign="top" scope="col" style="border-bottom: 2px solid black">No&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0056"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="left" valign="top" scope="col" style="border-bottom: 2px solid black">Variable&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0057"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Label&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0058"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Indicator&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0059"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="left" valign="top" scope="col" style="border-bottom: 2px solid black">References&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th></tr></thead><tbody title="tbody"><tr title="table-row"><a name="en0060"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">1</td><a name="en0061"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Economic Value</td><a name="en0062"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0063"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The digital bank that I use minimises queue time&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0064"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top"><a class="elsevierStyleCrossRef" href="#bib0044">Lee&#44;&#160;Pi&#44; Kwok&#160;and Huynh&#160;&#40;2003&#41;</a></td></tr><tr title="table-row"><a name="en0067"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0068"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The digital bank that I use minimises the cost of payments&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0072"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0073"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The digital bank that I use minimises the time required to do payments&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0075"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">2</td><a name="en0076"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Perceived Ease of Use</td><a name="en0077"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0078"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I expect the digital banking system to be easy to use&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0079"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="6" align="left" valign="top"><a class="elsevierStyleCrossRef" href="#bib0075">Thakur&#160;and Srivastava&#44;&#160;&#40;2014&#41;</a></td></tr><tr title="table-row"><a name="en0082"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0083"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I expect it will be easy for me to become skillful at using digital bank services&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0087"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0088"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Learning to use digital banking will be easy&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0090"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">3</td><a name="en0091"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Social Influence</td><a name="en0092"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0093"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">People in my environment who use mobile payment services have more prestige than those who do not&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0097"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0098"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">In general&#44; the bank has supported the use of digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0102"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0103"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">People who are important to me think that I should use digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0105"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">4</td><a name="en0106"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Firm Reputation</td><a name="en0107"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0108"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The conventional bank that supports the digital bank that I use has a good reputation&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0109"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top"><a class="elsevierStyleCrossRef" href="#bib0031">Jin&#160;et&#160;al&#46;&#160;&#40;2008&#41;</a></td></tr><tr title="table-row"><a name="en0112"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0113"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The conventional bank that supports the digital bank that I use is recognised widely&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0117"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0118"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The conventional bank that supports the digital bank that I use offers good services&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0120"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">5</td><a name="en0121"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Promotions</td><a name="en0122"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0123"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I feel that I have saved money&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0124"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Self-developed</td></tr><tr title="table-row"><a name="en0127"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0128"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The promotions help me make faster purchase decisions&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0132"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0133"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The promotions give me new ideas of things to buy&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0135"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">6</td><a name="en0136"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Features</td><a name="en0137"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0138"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I like to use digital banking because it provides many useful features&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0139"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Self-developed</td></tr><tr title="table-row"><a name="en0142"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0143"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">My digital bank provides features that I need&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0147"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0148"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">The digital bank that I use provides features that ease my personal financial management&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0150"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">7</td><a name="en0151"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Curiosity</td><a name="en0152"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0153"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I use digital banking because I want to learn new things&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0154"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top"><a class="elsevierStyleCrossRef" href="#bib0034">Kashdan&#160;et&#160;al&#46;&#44; &#40;2009&#41;</a></td></tr><tr title="table-row"><a name="en0157"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0158"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I like to learn about new technology&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0162"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0163"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I like finding out why people use digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0165"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">8</td><a name="en0166"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Reward</td><a name="en0167"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0168"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I like to use digital banking because it gives me many rewards&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0169"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Self-developed</td></tr><tr title="table-row"><a name="en0172"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0173"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I like to use digital banking because I feel that I have save money from the rewards&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0177"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0178"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Using digital banking is very profitable for me&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0180"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="4" align="left" valign="top">9</td><a name="en0181"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="4" align="left" valign="top">Intention to Use</td><a name="en0182"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0183"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I will use&#47;continue using digital banking services in the future&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0184"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="4" align="left" valign="top"><a class="elsevierStyleCrossRef" href="#bib0075">Thakur&#160;and Srivastava&#160;&#40;2014&#41;</a></td></tr><tr title="table-row"><a name="en0187"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0188"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">During the next six &#40;6&#41; months&#44; I intend to use digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0192"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0193"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Five &#40;5&#41; years from now&#44; I intend to be using digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0197"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU4&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0198"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">I encourage others to use digital banking&#46;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr></tbody></table>
                  """
              ]
            ]
          ]
        ]
        "descripcion" => array:1 [
          "en" => "<p id="spara005" class="elsevierStyleSimplePara elsevierViewall">Operational variable&#46;</p>"
        ]
      ]
      4 => array:8 [
        "identificador" => "tbl0004"
        "etiqueta" => "Table 4"
        "tipo" => "MULTIMEDIATABLA"
        "mostrarFloat" => true
        "mostrarDisplay" => false
        "detalles" => array:1 [
          0 => array:3 [
            "identificador" => "alt0004"
            "detalle" => "Table "
            "rol" => "short"
          ]
        ]
        "tabla" => array:1 [
          "tablatextoimagen" => array:1 [
            0 => array:1 [
              "tabla" => array:1 [
                0 => """
                  <table border="0" frame="\n
                  \t\t\t\t\tvoid\n
                  \t\t\t\t" class=""><thead title="thead"><tr title="table-row"><a name="en0200"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="left" valign="top" scope="col" style="border-bottom: 2px solid black">Construct&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0201"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Indicator&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0202"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="left" valign="top" scope="col" style="border-bottom: 2px solid black">Cronbach&#39;s Alfa&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0203"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">R-Statistic&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th></tr></thead><tbody title="tbody"><tr title="table-row"><a name="en0204"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Economic Value</td><a name="en0205"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0206"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;707</td><a name="en0207"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6384&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0209"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0211"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;5848&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0213"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">EV3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0215"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6250&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0216"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Perceived Ease of Use</td><a name="en0217"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0218"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;857</td><a name="en0219"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6944&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0221"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0223"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6385&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0225"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">PEU3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0227"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6078&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0228"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Social Influence</td><a name="en0229"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0230"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;700</td><a name="en0231"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;5312&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0233"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0235"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;5838&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0237"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">SI3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0239"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;4973&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0240"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Firm Reputation</td><a name="en0241"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0242"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;858</td><a name="en0243"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6443&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0245"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0247"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6356&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0249"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">FR3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0251"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7144&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0252"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Promotion</td><a name="en0253"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0254"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;897</td><a name="en0255"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7193&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0257"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0259"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7174&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0261"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">P3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0263"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6745&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0264"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Feature</td><a name="en0265"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0266"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;825</td><a name="en0267"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7342&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0269"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0271"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6917&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0273"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">F3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0275"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6834&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0276"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Curiosity</td><a name="en0277"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0278"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;729</td><a name="en0279"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6138&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0281"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0283"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;5563&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0285"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">C3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0287"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;5047&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0288"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">Reward</td><a name="en0289"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0290"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="3" align="left" valign="top">0&#46;868</td><a name="en0291"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6479&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0293"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0295"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6246&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0297"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">R3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0299"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7854&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0300"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="4" align="left" valign="top">Intention to Use</td><a name="en0301"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU1&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0302"></a><td class="td-with-role" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t ; entry_with_role_rowgroup " rowspan="4" align="left" valign="top">0&#46;884</td><a name="en0303"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7320&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0305"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0307"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6338&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0309"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0311"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;6022&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0313"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">IU4&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0315"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;7413&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr></tbody></table>
                  """
              ]
            ]
          ]
        ]
        "descripcion" => array:1 [
          "en" => "<p id="spara006" class="elsevierStyleSimplePara elsevierViewall">Reliability and validity&#46;</p>"
        ]
      ]
      5 => array:8 [
        "identificador" => "tbl0005"
        "etiqueta" => "Table 5"
        "tipo" => "MULTIMEDIATABLA"
        "mostrarFloat" => true
        "mostrarDisplay" => false
        "detalles" => array:1 [
          0 => array:3 [
            "identificador" => "alt0005"
            "detalle" => "Table "
            "rol" => "short"
          ]
        ]
        "tabla" => array:2 [
          "leyenda" => "<p id="spara008" class="elsevierStyleSimplePara elsevierViewall"><span class="elsevierStyleSup">&#8270;&#8270;&#8270;</span>all of them&#160; p&#60;0&#46;001&#46;</p>"
          "tablatextoimagen" => array:1 [
            0 => array:1 [
              "tabla" => array:1 [
                0 => """
                  <table border="0" frame="\n
                  \t\t\t\t\tvoid\n
                  \t\t\t\t" class=""><thead title="thead"><tr title="table-row"><a name="en0316"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0317"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black"><span class="elsevierStyleItalic">Mean</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0318"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black"><span class="elsevierStyleItalic">SD</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0319"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Economic Value&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0320"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Ease of Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0321"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Social Influence&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0322"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Firm Reputation&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0323"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Promotion&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0324"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Features&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0325"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Curiosity&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0326"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Reward&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th><a name="en0327"></a><th class="td" title="\n
                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Intention to Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t\t\t</th></tr></thead><tbody title="tbody"><tr title="table-row"><a name="en0328"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Economic Value</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0329"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;9867&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0330"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;9303&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0331"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0332"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0333"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0334"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0335"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0336"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0337"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0338"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0339"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0340"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Ease of Use</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0341"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">6&#44;3226&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0342"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;8135&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0343"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;596&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0344"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0345"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0346"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0347"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0348"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0349"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0350"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0351"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0352"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Social Influence</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0353"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;1269&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0354"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1&#44;1043&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0355"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;442&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0356"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;389&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0357"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0358"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0359"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0360"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0361"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0362"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0363"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0364"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Firm Reputation</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0365"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;8184&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0366"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;9760&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0367"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;548&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0368"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;560&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0369"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;551&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0370"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0371"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0372"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0373"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0374"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0375"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0376"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Promotion</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0377"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;5937&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0378"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1&#44;2462&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0379"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;527&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0380"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;473&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0381"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;449&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0382"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;501&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0383"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0384"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0385"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0386"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0387"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0388"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Features</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0389"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">6&#44;0274&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0390"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;9704&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0391"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;654&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0392"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;625&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0393"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;404&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0394"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;561&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0395"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;564&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0396"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0397"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0398"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0399"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0400"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Curiosity</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0401"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;5506&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0402"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1&#44;0970&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0403"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;457&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0404"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;414&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0405"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;456&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0406"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;412&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0407"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;470&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0408"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;502&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0409"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0410"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0411"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0412"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Reward</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0413"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;5108&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0414"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1&#44;1749&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0415"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;470&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0416"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;438&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0417"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;387&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0418"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;460&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0419"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;667&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0420"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;591&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0421"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;472&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0422"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0423"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0424"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top"><span class="elsevierStyleBold">Intention to Use</span>&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0425"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">5&#44;9950&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0426"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;9648&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0427"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;562&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0428"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;599&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0429"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;435&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0430"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;544&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0431"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;474&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0432"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;635&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0433"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;413&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0434"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#44;569&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0435"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">1000&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr></tbody></table>
                  """
              ]
            ]
          ]
        ]
        "descripcion" => array:1 [
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          "leyenda" => "<p id="spara010" class="elsevierStyleSimplePara elsevierViewall">Note&#58; &#42;p &#60; 0&#46;1&#59; &#42;&#42;p &#60; 0&#46;05&#59; &#42;&#42;&#42;p &#60; 0&#46;01&#46;</p>"
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                  \t\t\t\t\ttable-head\n
                  \t\t\t\t  " align="" valign="top" scope="col" style="border-bottom: 2px solid black">Hypotheses&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">H1&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">Economic Value&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t</td><a name="en0444"></a><td class="td" title="\n
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                  \t\t\t\t  " align="" valign="top">0&#46;034&#42;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0445"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0446"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H2&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0447"></a><td class="td" title="\n
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                  \t\t\t\t  " align="" valign="top">Perceived Ease of Use&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">0&#46;272&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">0&#46;000&#42;&#42;&#42;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0450"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0451"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H3&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0452"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Social Influence&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">0&#46;038&#42;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0455"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0456"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H4&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">Firm Reputation&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0458"></a><td class="td" title="\n
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                  \t\t\t\t  " align="" valign="top">0&#46;106&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0459"></a><td class="td" title="\n
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                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H5&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0462"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Sales Promotion&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0463"></a><td class="td" title="\n
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                  \t\t\t\t  " align="" valign="top">Rejected&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H6&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0467"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Features&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0468"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;221&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0469"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;000&#42;&#42;&#42;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0470"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td></tr><tr title="table-row"><a name="en0471"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">H7&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Curiosity&#160;&#8594;&#160;Intention to Use&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0473"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">-0&#46;012&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0474"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">0&#46;742 &#40;n&#47;s&#41;&nbsp;\t\t\t\t\t\t\n
                  \t\t\t\t</td><a name="en0475"></a><td class="td" title="\n
                  \t\t\t\t\ttable-entry\n
                  \t\t\t\t  " align="" valign="top">Rejected&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">H8&nbsp;\t\t\t\t\t\t\n
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                  \t\t\t\t  " align="" valign="top">Accepted&nbsp;\t\t\t\t\t\t\n
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                          "autores" => array:1 [
                            0 => "A&#46; Ababa"
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                    0 => array:1 [
                      "Libro" => array:2 [
                        "titulo" => "The new ethiopian digital wallet&#46; PR newswire association LLC"
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                        "link" => "https&#58;&#47;&#47;www&#46;prweb&#46;com&#47;releases&#47;dashen&#95;bank&#95;launches&#95;amole&#95;the&#95;new&#95;ethiopian&#95;digital&#95;wallet&#47;prweb15648028&#46;htm"
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              "identificador" => "bib0002"
              "etiqueta" => "Aji&#44; Berakon and Husin&#44; 2020"
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                0 => array:2 [
                  "contribucion" => array:1 [
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                      "titulo" => "COVID-19 and e-wallet usage intention&#58; A multigroup analysis between Indonesia and Malaysia"
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                          "autores" => array:3 [
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                        "tituloSerie" => "Cogent Business &#38; Management&#44;"
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                    0 => array:2 [
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                        "titulo" => "Action control&#46; SSSP springer series in social psychology"
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                          "autores" => array:6 [
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                            3 => "T&#46; Song"
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                            5 => "D&#46; Chen"
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                      "titulo" => "Digital payment and banking adoption research in Gulf countries&#58; A systematic literature review"
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                          "autores" => array:3 [
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ISSN: 2444569X
Original language: English
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