Page 546 - ISC PROCEEDINGS 21.4
P. 546

[5]. Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with
                  unobservable variables and measurement error. Journal of Marketing Research, 18(1),
                  39–50.
                        [6]. Frederick, S., Novemsky, N., Wang, J., Dhar, R., & Nowlis, S. (2009). Opportunity
                  cost     neglect.    Journal     of     Consumer      Research,     36(4),     553–561.
                  https://doi.org/10.1086/599764
                        [7]. Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A primer on partial
                  least   squares   structural   equation    modeling    (PLS-SEM)    (3rd   ed.).   Sage.
                  https://doi.org/10.1007/978-3-030-80519-7
                        [8]. Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet.
                  Journal     of     Marketing      Theory      and      Practice,    19(2),     139–152.
                  https://doi.org/10.2753/MTP1069-6679190202
                        [9]. Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and
                  how to report the results of PLS-SEM. European Business Review, 31(1), 2–24.
                        [10]. Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing
                  discriminant validity in variance-based structural equation modeling. Journal of the
                  Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-
                  0403-8
                        [11]. Kahneman, D., & Tversky, A. (1979). Prospect theory: An analysis of decision
                  under risk. Econometrica, 47(2), 263–292. https://doi.org/10.2307/1914185
                        [12]. Kumar, A., Salo, J., & Bezawada, R. (2024). The effects of buy now, pay later
                  (BNPL) on customers’ online purchase behavior. Journal of Retailing, 100(4), 602–617.
                  https://doi.org/10.1016/j.jretai.2024.09.004
                        [13]. Kuo, Y.-F., Wu, C.-M., & Deng, W.-J. (2009). The relationships among service
                  quality, perceived value, customer satisfaction, and post-purchase intention in mobile
                  value-added services. Computers in Human Behavior, 25(4), 887–896.
                        [14]. Ma, Q., He, Y., Tan, Y., Cheng, L., & Wang, M. (2024). Unveiling the impact of
                  payment methods on consumer behavior: Insights and future directions. OSF Preprints.
                  https://doi.org/10.31219/osf.io/3fphk
                        [15]. Oliver, R. L. (1997). Satisfaction: A behavioral perspective on the consumer
                  (2nd ed.). Routledge. https://doi.org/10.4324/9781315700892
                        [16]. Pham, T. T. D., Pham, V. K., & Duong, N. T. (2024). Why do users adopt mobile
                  payment? An integrated model. Journal of the Knowledge Economy, 16, 4364–4391.
                  https://doi.org/10.1007/s13132-024-02118-1
                        [17]. Prelec, D., & Loewenstein, G. (1998). The red and the black: Mental accounting
                  of savings and debt. Marketing Science, 17(1), 4–28.
                        [18] Sandu, A., Cotfas, L.-A., Ioanăș, C., Cișmașu, I.-D., & Delcea, C. (2025). E-
                  commerce meets emerging technologies: An overview of research characteristics, themes,
                  and trends. Journal of Theoretical and Applied Electronic Commerce Research, 20(4), 320.
                  https://doi.org/10.3390/jtaer20040320
                        [19]. Thaler, R. (1985). Mental accounting and consumer choice. Marketing Science,
                  4(3), 199–214. https://doi.org/10.1287/mksc.4.3.199
                        [20]. Worldpay. (2025). GPR 2025: The past, present and future of consumer
                  payments. https://offers.worldpayglobal.com/rs/850-JOA-856/images/GPR25.pdf
                        [21]. Yao, Y. H. A., Locke, E. A., & Jamal, M. (2017). On a combined theory of pay
                  level   satisfaction.  Journal    of   Organizational    Behavior,    39(4),   448–461.
                  https://doi.org/10.1002/job.2243


                  545
   541   542   543   544   545   546   547   548   549   550   551