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1 Perez, S, "Zelle, the real-time venmo competitor backed by over 30 U.S. banks, arrives this month"
2 Lin, K. -Y., "Why people use social networking sites : An empirical study integrating network externalities and motivation theory" 27 (27): 1152-1161, 2011
3 Venkatesh, V., "Why don’t men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior" 24 (24): 115-139, 2000
4 Correa, T., "Who interacts on the web? : The intersection of users’ personality and social media use" 26 (26): 247-253, 2010
5 D’Onfro, J., "Venmo’s ‘secret sauce’ keeps users checking the app even when they’re not making payments"
6 Acker, A., "Venmo:Understanding mobile payments as social media" 2018
7 Xu, R., "Understanding the impact of personality traits on mobile app adoption : Insights from a large-scale field study" 62 : 244-256, 2016
8 Kim, G., "Understanding dynamics between initial trust and usage intentions of mobile banking" 19 (19): 283-311, 2009
9 Mercator., "U.S. Consumers and debit: shift to online may inhibit use"
10 Agarwal, R., "Time flies when you’re having fun : Cognitive absorption and beliefs about information technology usage" 24 (24): 665-694, 2000
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