S. A. Salloum, M. Al-Emran, R. Khalaf, M. Habes, and K. Shaalan, “An Innovative Study of E-Payment Systems Adoption in Higher Education: Theoretical Constructs and Empirical Analysis”, Int. J. Interact. Mob. Technol., vol. 13, no. 06, pp. pp. 68–83, Jun. 2019.