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Rouibah, K., Lowry, P. B., & Hwang, Y. (2016). The Effects of Perceived Enjoyment and Perceived Risks on Trust Formation and Intentions to Use Online Payment Systems: New Perspectives from an Arab Country. Electronic Commerce Research and Applications, 19, 33-43.
https://doi.org/10.1016/j.elerap.2016.07.001

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