@incollection{,
	
					
					
					0EF441DE9E8AFD07011010D0B550B2FB
				,
	author={{Athukoralage TharindiNimansa} and {Dr. N.Kuruwitaarachchi} and {Sri Lanka Institute of Information Technology}},
	journal={{Global Journal of Computer Science and Technology}},
	journal={{GJCST}}0975-41720975-435010.34257/gjcst,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2113946
}

@incollection{b0,
	
	
		,
	title={{Global Online Payment Statistics}}
		
	
	
		,
	booktitle={{Vapulus Blog}}
				
			,
	year={2019. 2019. Oct-2019}
			6
		
	

}

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		,
	title={{Sri Lankan Customers' Behavioural Intention to Use Mobile Banking: A Structural Equation Modelling Approach}}
		
		
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	year={2019. Oct-2019}
			6
		
	
	,
	note={Seu.ac.lk}

}

@incollection{b2,
	
	
		,
	title={{Study of E-wallet Awareness and its Usage in Mumbai}}
		,
	author={{
			BPachpande
		} and {
			AKamble
		}}
		
		Available:10.5958/0976-478x.2018.00004.6
	
	
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	journal={{Journal of Commerce and Management Thought}}
		
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	year={2018}
		
	

}

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	title={{Available: https://theworldnews. net/arnews/el-modelo-chino-que-mira-galperin-para-queml-valga-u-s-30-000-m}}
		
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	year={2019. Oct-2019}
			6
		
	
	,
	note={El modelo chino que mira Galperín para que ML valga u$s 30.000 M}

}

@incollection{b4,
	
	
		,
	title={{The rise of digital and mobile wallet: Global usage statistics from}}
		
	
	
		,
	booktitle={{Payments Cards & Mobile}}
				
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	year={2018. 2019. Oct-2019}
			6
		
	

}

@incollection{b5,
	
	
		,
	title={{Computer Literacy}}
		
	
	
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	year={2019. Accessed 1 Dec. 2019}
		
	

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	title={{A STUDY OF PREFERENCE TOWARDS THE MOBILE WALLETS AMONG THE UNIVERSITY STUDENTS IN LUCKNOW CITY}}
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	author={{
			SSingh Rana
		}}
		
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			04
		
	

}

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	title={{The Island}}
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			LLtd
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	note={Island.lk, 2020. [Online}

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	title={{Available}}
				
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	year={Feb-2020}
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}

@incollection{b9,
	
	
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	title={{Sampath Wepay -by Sampath Bank PLC -Finance Category -AppGrooves: Get More out of Life with iPhone & Android Apps}}
		
	
	
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	journal={{Appgrooves.com}}
		
			8
			,
	year={2020. Feb-2020}
		
	

}

@book{b10,
	
	
		,
	title={{financial-services/Sampath-Bank-offers-custo mers-and-non-customers-a-variety-of-solutions-forbill-payments/42-68259 6}}
		
		
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	year={2020. Feb-2020}
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	,
	note={Sampath Bank offers customers and noncustomers a variety of solutions for bill payments | Daily FT}

}

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	title={{WePay -Electronic Banking -Personal -Sampath Bank PLC}}
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}

@incollection{b12,
	
	
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	author={{
			BYoung
		}}
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	booktitle={{The Rise of Digital & Mobile Wallets: 2020 Global Usage Stats}}
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	booktitle={{Merchant Machine}}
		
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		,
	title={{}}
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	author={{
			Lankaclear
		} and {
			Com
		}}
		
		
		
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	note={Lankaclear.com, 2020. [Online}

}

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			GovStatistics
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}

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	title={{Guerrilla marketing}}
		
	
	
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	year={2020. Mar-2020}
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}

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	title={{Consumer adoption of mobile banking in Jordan: Examining the role of usefulness, ease of use, perceived risk and self-efficacy | Emerald Insight}}
		
		
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}

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	title={{}}
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	author={{
			H
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	year={2021 Global Journals Year 2021}
		
	

}

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}

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	title={{Statistics -Telecommunications Regulatory Commission of Sri Lanka}}
		
	
	
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}

@incollection{b21,
	
	
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	title={{Gender Differences in Technology Usage-A Literature Review}}
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	author={{
			AGoswami
		} and {
			SDutta
		}}
		
		
	
	
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			01
			
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}

@incollection{b22,
	
	
		,
	title={{Analysis of Citizens Acceptance for e-Government Services in Bandung, Indonesia: The Use of the Unified Theory of Acceptance and Use of Technology (UTAUT) Model}}
		,
	author={{
			KMutaqin
		} and {
			ESutoyo
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		Available:10.25008/bcsee.v1i1.3
	
	
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	title={{Extending the unified theory of acceptance and use of technology (UTAUT) model -IEEE Conference Publication}}
		
	
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@incollection{b24,
	
	
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	title={{Computer Literacy of Sri Lanka}}
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@incollection{b25,
	
	
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	title={{The Usability Metric for User Experience}}
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			KFinstad
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	title={{UI Designer -ISO-9241 Efficiency Metrics -Theory of Usability}}
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			Sergeev
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@incollection{b29,
	
	
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	title={{Sri Lanka Labour Force Survey}}
		gov.lk. 2020
		
	
	
		,
	journal={{Statistics}}
		
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	year={July 2020}
		
	

}

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	title={{-to-launch%C2%A0Innov ation-and-Entrepreneurship-Strategy/44-651311>}}
				
	
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	title={{Sampath Saviya -Entrepreneur Development -Personal -Sampath Bank PLC}}
		
	
	
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			36
		
	
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	title={{}}
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			Sdb
		}}
		lk. 2020
		
		
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	title={{Consumer Acuity on Select Digital Wallets}}
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	author={{
			"SSubramanian
		}}
		
	
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	note={researchgate.net, 2020. [Online}

}

@book{b34,
	
	
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	title={{A Study On Degree Of Awareness About Mobile Wallet, Its Potential Market In India, Barriers And Drivers To Its Success. Survey}}
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	author={{
			Surveymonkey
		} and {
			Com
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@book{b35,
	
	
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	title={{Young Consumers' Intention to Use Mobile Wallet Services: An Empirical Investigation Using UTAUT Model}}
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	author={{
			VPatel
		}}
		
	
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	note={researchgate, 2020. [Online}

}

@incollection{b36,
	
	
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	title={{Cashless Transaction -Mobile Transaction}}
		,
	author={{
			JPande
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	journal={{SSRN Electronic Journal}}
		
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@incollection{b37,
	
	
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	title={{The Impact of E-Wallets for Current Generation}}
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}

@incollection{b38,
	
	
		,
	title={{Gender Differences in Technology Usage-A Literature Review}}
		,
	author={{
			AGoswami
		} and {
			SDutta
		}}
		
		
	
	
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			01
			
			,
	year={2016}
		
	

}

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		,
	title={{}}
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			HYear
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	year={2021}
		
	

}

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	title={{The adequacy of UTAUT-3 in interpreting academician's adoption to e-Learning in higher education environments | Emerald Insight}}
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			AGurusinghe
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		10.1108/ITSE-05-2019-0020/full/html?skipTracking=true
		
		
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	title={{An empirical study on the adoption of consumer-toconsumer e-commerce: Integrating the UTAUT model and the Initial Trust model}}
		
		
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	address={Research Gate, 2020}
		
	

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@book{b42,
	
	
		,
	title={{higher-educationeducators/program/Malhotra-Marketing-Research-An-applied-approach-5th-Editi on/PGM1638972.html}}
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	author={{
			"Malhotra
		} and {
			&Nunan
		} and {
			MarketingBirks
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			Research
		}}
		
		
		
		
		
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@incollection{b43,
	
	
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	note={Cbsl.gov.lk, 2020. [Online}

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@book{b44,
	
	
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	title={{Factors Affecting Consumer's Choice to Use Mobile Wallet to Access m-Commerce Industry in India}}
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	editor={Abhilasha Seam*, Raja Sekhar Reddy*, Snehil Agrawal*, Behara Krishna Chaitanya*, Himanshu Bist*, Suleman Safdar*, Pranav Ranjan Patil*, Purba Halady Rao**}
		
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	year={2020}
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	address={India}
		
	

}

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	title={{A Model of Factors Influencing Consumer's Intention To Use E-payment System in Indonesia}}
		
		
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@book{b46,
	
	
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	title={{The Demography Of Youth In Developing Countries And Its Economic Implications}}
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			DLam
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	note={Openknowledge.worldbank.org, 2020. [Online}

}

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	title={{The World Bank In Sri Lanka}}
		
		
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	year={2020. Oct-2020}
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}