Conflicts of Interest The authors declare no conflicts of interest. Supporting Information Filename Description ijfe3098-sup-0001-supinfo.docxWord 2007 document , 24.8 KB Data S1. References , , and . 2022. “Customer Adoption of P2P Mobile Payment Systems: The Role of Perceived Risk.” Telematics and Informatics 72: 101851. https://doi.org/10.1016/j.tele.2022.101851. , and . 2006. “A More Complete Conceptual Framework for SME Finance.” Journal of Banking & Finance 30: 2945–2966.