using mobile banking, as well as their own personal level of risk tolerance, impact adoption of mobile banking. We find that … than those who believe it is safe. We further find that consumers with higher levels of risk tolerance are more likely to …

behaviour of digital wallets, with a particular focus on the role of perceived risk as a mediator and role of perceived trust … perceived risk mediates the proposed relationship, while perceived trust and service quality showed strong moderating effects on … the relationship between perceived risk and digital wallet usage behaviour. The study adds to the literature on digital …