Agong, David & Oketch, Timothy.$(2015).$RELATIONSHIP BETWEEN MACROECONOMIC VARIABLES AND MOBILE MONEY TRANSFER.Vol.III. https:$//$www$.$researchgate.net$/$publication$/378176534\_$RELATIONSHIP$\_$BETWEEN$\_$MACROECONOMIC$\_$VARIABLES$\_$AND$\_$MOBILE$\_$MONEY$\_$TRANSFER Raina, Vibha.$(2014).$Overview of Mobile Payment: Technologies and Security$\mathrm{.}10\mathrm{.}4018/978-1-4666-6268-1.$ch$011.$ https:$//$www$.$researchgate.net$/$publication$/260211158\_$Overview$\_$of$\_$Mobile$\_$Payment$\_$Technologies$\_$and$\_$Security N Iwashita.$(2022).$Why Fintech Is Not Changing Japanese Banking. https:$//$repository$.$kulib.kyoto$-$u$.$ac$.$jp$/$dspace$/$bitstream$/2433/275800/1/$aepr$\mathrm{.}12390.$pdf Li$,$ Yingying & Li$,$ Ying.$(2020).$Analysis of the Development Process of Payment Methods and Mobile Payment Technology Diffusion Trend in China.Technology and Investmen