Consumers appear to still be sceptical about mobile payment systems. As a result, the theoretical framework proposed as well as evaluated in this study, concentrates on elements that influence customer behaviour towards the digital payment system, fintech and CBDC are accepted. The empirical...

This paper presents an analytical framework that describes the business model of banks. It draws on the classical theory of banking and the literature on digital transformation. It provides an explanation for existing trends and, by extending the theory of the banking firm, it illustrates how...