Adoption of unmanned, cashierless retail technologyin Croatia: A study on student perceptions
DOI:
https://doi.org/10.15678/EBER.2024.120407Abstract
Objective: The objective of the article is to examine the technology acceptance of unmanned, cashierless technology. Since 2015, several startups have developed a new technology innovation called unmanned, cashierless technology, which has been steadily spreading globally over the past nine years. This study presents an analysis of user acceptance of this innovation among students in higher education institutions in Croatia.
Research Design & Methods: We examined factors influencing attitudes towards cashless transactions within the framework of the unified theory of technology acceptance and use (UTAUT2). We developed seven hypotheses based on previous literature and research models. We conducted the research through an online survey of Croatian students (n=406). We applied variance-based structural equitation modelling (PLS-SEM) to analyse the primary database.
Findings: The new trend in smart retail could help retailers to find a new way to improve their competitiveness. Based on our results, most UTAUT2 predictors such as performance expectancy, effort expectancy, social influence, hedonic motivation, and price sensitivity significantly influence behavioural intention.
Implications & Recommendations: This study offers implications for existing research on the new technology acceptance and contributes to relevant literature on customer behaviour. Given the importance of customer perception to improve business performance, the current study has some implications for marketers and retailers.
Contribution & Value Added: Investigating the adoption of unmanned, cashless technology, particularly among Generation Z, is an important and actual topic. This research can guide stakeholders and policymakers who are planning to introduce this cashierless technology. Based on the factors analysed, we can identify important and less important factors influencing consumers’ intentions. In this way, we can identify certain preferences of the target group analysed and use it as a basis for targeting them (e.g., in a campaign) when opening new stores.
Keywords
smart retail, cshierless stores, unmanned stores, technology acceptance and use, UTAUT2, PLS-SEM
References
- Adapa, S., Fazal-e-Hasan, S.M., Makam, S.B., Azeem, M.M., & Mortimer, G. (2020). Examining the anteced-ents and consequences of perceived shopping value through smart retail technology. Journal of Retailing and Consumer Services, 52, 101901. https://doi.org/10.1016/j.jretconser.2019.101901
- Alalwan, A.A., Dwivedi, Y.K., & Rana, N.P. (2017). Factors influencing adoption of mobile banking by Jordani-an bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99-110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
- Alavi, M. (2013). Structural equation modelling (SEM) in health sciences education researches: an overview of the method and its application. Iranian Journal of Medical Education, 13(6), 519-530. Retrieved from http://ijme.mui.ac.ir/article-1-2228-en.html on May 1, 2023.
- Alkhatib, S., Kecskés, P., & Keller, V. (2023). Green marketing in the digital age: A systematic literature re-view. Sustainability, 15(16), 12369. https://doi.org/10.3390/su151612369
- Ameri, A., Khajouei, R., Ameri, A., & Jahani, Y. (2020). Acceptance of a mobile-based educational application (LabSafety) by pharmacy students: An application of the UTAUT2 model. Education and Information Technologies, 25(1), 419-435. https://doi.org/10.1007/s10639-019-09965-5
- Androniceanu, A. (2024). Artificial intelligence in administration and public management. Administratie si Management Public, 42, 99-114. https://doi.org/10.24818/amp/2023.42-06
- Androniceanu, A., Sabie, O.M., Georgescu, I., & Drugău-Constantin, A.L. (2023). Main factors and causes that are influencing the digital competences of human resources. Administratie si Management Public, 41, 26-53. https://doi.org/10.24818/amp/2023.41-02
- Andrzejewski, M., & Dunal, P. (2021). Artificial intelligence in the curricula of postgraduate stud-ies in financial management: Survey results. International Entrepreneurship Review, 7(4), 89-93. https://doi.org/10.15678/IER.2021.0704.07
- Arpaci, I., Karatas, K., Kusci, I., & Al-Emran, M. (2022). Understanding the social sustainability of the Metaverse by integrating UTAUT2 and big five personality traits: A hybrid SEM-ANN approach. Technol-ogy in Society, 71, 102120. https://doi.org/10.1016/j.techsoc.2022.102120
- Beh, P.K., Ganesan, Y., Iranmanesh, M., & Foroughi, B. (2021). Using smartwatches for fitness and health monitoring: the UTAUT2 combined with threat appraisal as moderators. Behaviour & Information Tech-nology, 40(3), 282-299. https://doi.org/10.1080/0144929X.2019.1685597
- Becker, J.M., Klein, K., & Wetzels, M. (2012). Hierarchical latent variable models in PLS-SEM: guidelines for using reflective-formative type models. Long Range Planning, 45(5-6), 359-394. https://doi.org/10.1016/j.lrp.2012.10.001
- Brown, S.A., & Venkatesh, V. (2005). Model of adoption of technology in households: A baseline model test and extension incorporating household life cycle. MIS Quarterly, 29(3), 399-426. https://doi.org/10.2307/25148690
- Civelek, M., Krajčík, V., & Ključnikov, A. (2023). The impacts of dynamic capabilities on SMEs’ digital trans-formation process: The resource-based view perspective. Oeconomia Copernicana, 14(4), 1367-1392. https://doi.org/10.24136/oc.2023.019
- Ćuzović, S., Mladenović, S.S., & Ćuzović, D. (2017). The Impact of Retail Formats on the Development of Food Retailing. Entrepreneurial Business and Economics Review, 5(1), 11-26. https://doi.org/10.15678/EBER.2017.050101
- Davenport, T., Guha, A., Grewal, D., & Bressgott, T., (2020). How artificial intelligence will change the future of marketing. Journal of the Academy of Marketing Science, 48(1), 24-42. https://doi.org/10.1007/s11747-019-00696-0
- D’souza, D.J., Joshi, H.G. & Prabhu, R. (2021). Assessment of Consumers Acceptance of E-Commerce to Pur-chase Geographical Indication Based Crop Using Technology Acceptance Model (TAM). AGRIS on-line Pa-pers in Economics and Informatics, 13(3), 25-33. https://doi.org/10.7160/aol.2021.130303
- Dhingra, S., & Gupta, S. (2020). Behavioural intention to use mobile banking: An extension of UTAUT2 model. International Journal of Mobile Human Computer Interaction (IJMHCI), 12(3), 1-20. https://doi.org/10.4018/IJMHCI.2020070101
- Dias, T., Gonçalves, R., Lopes da Costa, R., F. Pereira, L., & Dias, Álvaro. (2023). The impact of artificial intelli-gence on consumer behaviour and changes in business activity due to pandemic effects. Human Tech-nology, 19(1), 121-148. https://doi.org/10.14254/1795-6889.2023.19-1.8
- Hair Jr, J.F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V.G. (2014). Partial least squares structural equation modelling (PLS-SEM) An emerging tool in business research. European Business Review, 26(2), 106-121. https://doi.org/10.1108/EBR-10-2013-0128
- Gelencsér, M., Szabó-Szentgróti, G., Kőmüves, Zs.S., & Hollósy-Vadász, G. (2023). The Holistic Model of La-bour Retention: The Impact of Workplace Wellbeing Factors on Employee Retention. Administrative Sci-ences, 13(5), 121. https://doi.org/10.3390/admsci13050121
- Griethuijsen, R.A.L.F., Eijck, M.W., Haste, H., Brok, P.J., Skinner, N.C., & Mansour, N., et al. (2014). Global patterns in students’ views of science and interest in science. Research in Science Education, 45(4), 581-603. https://doi.org/10.1007/s11165-014-9438-6
- Gumasing, J.J., Prasetyo, Y.T., Persada, S.F., Ong, A.K.S., Young, M.N., Nadlifatin, R., & Redi, A.A.N.P. (2022). Using Online Grocery Applications during the COVID-19 Pandemic: Their Relationship with Open Innova-tion. Journal of Open Innovation: Technology, Market, and Complexity, 8(2), 93, https://doi.org/10.3390/joitmc8020093
- Hair, J.F., Anderson, R.E., Babin, B.J., & Black, W.C. (2010). Multivariate Data Analysis: A Global Perspective. Pearson Education.
- Hair, Joe F., Ringle, C.M., & Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139-152. https://doi.org/10.2753/MTP1069-6679190202
- Henseler, J., Hubona, G., & Ray, P.A. (2016). Using PLS path modelling in new technology research: updated guidelines. Industrial Management & Data Systems, 116(1), 2-20. https://doi.org/10.1108/IMDS-09-2015-0382
- Henseler, J., Ringle, C.M., & Sarstedt, M. (2015). A New Criterion for Assessing Discriminant Validity in Vari-ance-Based Structural Equation Modelling. Journal of the Academy of Marketing Science, 43, 115-35. https://doi.org/10.1007/s11747-014-0403-8
- Hopalı, E. (2023). An Analysis of Customer Attitudes Towards Technology Driven Products: A Case Study in the Retail Industry (Doctoral dissertation, Marmara Universitesi (Turkey). Retrieved from https://www.proquest.com/openview/4c2a8acb5298bf499158b7c9ef341871/1?pq-origsite=gscholar&cbl=2026366&diss=y on March 20, 2024.
- Hunady, J., Pisár, P., Vugec, D.S., & Bach, M.P. (2022). Digital Transformation in European Union: North is leading, and South is lagging behind. International Journal of Information Systems and Project Manage-ment, 10(4), 58-81. https://doi.org/10.12821/ijispm100403
- Hsu, S.L. (2022). The Study of consumers’ intention to purchase in unmanned stores. Journal of Economic and Management, 18(1), 27. Retrieved from https://jem.fcu.edu.tw/assets/uploads/files/manuscript20220324090829285010.pdf on March 20, 2024.
- Indrawati, & Putri, D.A. (2018). Analyzing Factors Influencing Continuance Intention of E-Payment Adoption Using Modified UTAUT 2 Model, 6th International Conference on Information and Communication Technology (ICoICT), Bandung, Indonesia, 2018, 167-173, https://doi.org/10.1109/ICoICT.2018.8528748
- Ingalagi, S.S., Mutkekar, R.R., & Kulkarni, P.M. (2021). Artificial Intelligence (AI) adaptation: Analysis of de-terminants among Small to Medium-sized Enterprises (SME’s). In IOP Conference Series: Materials Sci-ence and Engineering, 1049(1), 012017. IOP Publishing. https://doi.org/10.1088/1757-899X/1049/1/012017
- Ives, B., Cossick, K., & Adams, D. (2019). Amazon Go: disrupting retail?. Journal of Information Technology Teaching Cases, 9(1), 2-12. https://doi.org/10.1177/2043886918819092
- Jajic, I., Khawaja, S., Hussain Qureshi, F., & Pejić Bach, M. (2022). Augmented reality in business and econom-ics: Bibliometric and topics analysis. Interdisciplinary Description of Complex Systems: INDECS, 20(6), 723-744. https://doi.org/10.7906/indecs.20.6.5
- Jung, S.D., Claire, S., & Kim, S. (2024). Gen Z consumers’ expectations for smart convenience stores in the USA, South Korea, and Japan. Young Consumers, 25(3), 400-420. https://doi.org/10.1108/YC-10-2022-1623
- Kapser, S., & Abdelrahman, M. (2020). Acceptance of autonomous delivery vehicles for last-mile delivery in Germany–Extending UTAUT2 with risk perceptions, Transportation Research Part C: Emerging Technolo-gies, 111, 210-225, https://doi.org/10.1016/j.trc.2019.12.016
- Kilani, A.A.Z., Kakeesh, D.F., Al-Weshah, G.A., & Al-Debei, M.M. (2023). Consumer post-adoption of e-wallet: An extended UTAUT2 perspective with trust, Journal of Open Innovation: Technology, Market, and Com-plexity, 9(3), 100113. https://doi.org/10.1016/j.joitmc.2023.100113
- Kliestik, T., Nica, E., Durana, P., & Popescu, G.H. (2023). Artificial intelligence-based predictive maintenance, time-sensitive networking, and big data-driven algorithmic decision-making in the economics of Indus-trial Internet of Things. Oeconomia Copernicana, 14(4), 1097-1138. https://doi.org/10.24136/oc.2023.033
- Knežević, B., Naletina, D., & Damić, M. (2016). The Changing Structure of Retail Industry: Case Studies on Competitive Advantage of Small Companies in Croatia. Entrepreneurial Business and Economics Review, 4(4), 171-187. https://doi.org/10.15678/EBER.2016.040411
- Knežević, B., Škrobot, P., & Žmuk, B. (2021). Position and role of social supermarkets in food supply chains. Business Systems Research: International journal of the Society for Advancing Innovation and Research in Economy, 12(1), 179-196. https://doi.org/10.2478/bsrj-2021-0012
- Kock, N. (2015). Common method bias in PLS-SEM: A full collinearity assessment approach. International Journal of e-Collaboration (ijec), 11(4), 1-10. https://doi.org/10.4018/ijec.2015100101
- Kolková, A., & Ključnikov, A. (2022). Demand forecasting: AI-based, statistical and hybrid models vs practice-based models – the case of SMEs and large enterprises. Economics and Sociology, 15(4), 39-62. https://doi.org/10.14254/2071-789X.2022/15-4/2
- Korkmaz, H., Fidanoglu, A., Ozcelik, S., & Okumus, A. (2022). User acceptance of autonomous public transport systems: Extended UTAUT2 model. Journal of Public Transportation, 24, 100013. https://doi.org/10.5038/2375-0901.23.1.5
- Kwon, J., & Ahn, J. (2023). Effects of perceived values on affective and conative attitudes in cashierless store services. Inter-national Journal of Quality and Service Sciences, 15(3/4), 259-272. https://doi.org/10.1108/IJQSS-11-2022-0118
- Leguina, A. (2015). A primer on partial least squares structural equation modeling (PLS-SEM). International Journal of Research & Method in Education, 38(2), 220-221. https://doi.org/10.1080/1743727X.2015.1005806
- Lewandowska, A., Berniak-Woźny, J., & Ahmad, N. (2023). Competitiveness and innovation of small and medium enterprises under Industry 4.0 and 5.0 challenges: A comprehensive bibliometric analysis. Equi-librium. Quarterly Journal of Economics and Economic Policy, 18(4), 1045-1074. https://doi.org/10.24136/eq.2023.033
- Lieonov, S., Hlawiczka, R., Boiko, A., Mynenko, S., & Garai-Fodor, M. (2022). Structural modelling for as-sessing the effectiveness of system for countering legalization of illicit money. Journal of International Studies, 15(3), 215-233. https://doi.org/10.14254/2071-8330.2022/15-3/15
- Lin, C.Y. (2022). Understanding consumer perceptions and attitudes toward smart retail services. Journal of Services Marketing, 36(8), 1015-1030. https://doi.org/10.1108/JSM-09-2020-0407
- Lowry, P.B., & Gaskin J. (2014). Partial least squares (PLS) structural equation modeling (SEM) for building and testing behavioral causal theory: When to choose it and how to use it. IEEE Transactions on Profes-sional Communication, 57(2), 123-146, https://doi.org/10.1109/TPC.2014.2312452
- Mathew, A.O., Chowdhury, S., Devpura, S., & Lingappa, A.K. (2023). Factors Influencing Technology Ac-ceptance of Drones for Last‐Mile Food Deliveries: An Adaptation of the UTAUT2 Model. Human Behavior and Emerging Technologies, 2023(1), 7399080. https://doi.org/10.1155/2023/7399080
- Meet, R.K., Kala, D., & Al-Adwan, A.S. (2022). Exploring factors affecting the adoption of MOOC in Genera-tion Z using extended UTAUT2 model. Education and Information Technologies, 27(7), 10261-10283. https://doi.org/10.1007/s10639-022-11052-1
- Memon, A.H., & Rahman, I.A. (2013). Analysis of cost overrun factors for small scale construction projects in Malaysia using PLS-SEM method. Modern Applied Science, 7(8), 78. https://doi.org/10.5539/mas.v7n8p78
- Milaković, I.K., & Mihić, M. (2016). Predictors and effect of consumer price sensitivity: The case of Croatia. In Forum on Economics and Business, 19(129), 3-26, Hungarian Economists' Society of Romania. Retrieved from http://193.231.19.17/kozgazdaszforum.ro/admin/upload/328_KF2016_4_cikk1.pdf on April 2, 2024.
- Minh, T.N., Phamthi, V., & Minh, D.N. (2022). A Recipe for Success, Necessary Dimensions of Operations Management: A Case Study based on Walmart's Triumphs. ENTRENOVA-ENTerprise REsearch InNOVA-tion, 8(1), 406-420. https://doi.org/10.54820/entrenova-2022-0034
- Mitchell, K.M., Holtz, B.E., & McCarroll, A.M. (2022). Assessing college students' perceptions of and intentions to use a mobile app for mental health. Telemedicine and e-Health, 28(4), 566-574. https://doi.org/10.1089/tmj.2021.0106
- Moraru, M. (2021). How Retailers Support Consumers during the Pandemic: Kaufland Case Study. ENTRENO-VA-ENTerprise REsearch InNOVAtion, 7(1), 178-189. https://doi.org/10.54820/ZTII7228
- Morosan, C., & DeFranco, A. (2016). It's about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53, 17-29. https://doi.org/10.1016/j.ijhm.2015.11.003
- Nikolopoulou, K., Gialamas, V., & Lavidas, K. (2021). Habit, hedonic motivation, performance expectancy and technological pedagogical knowledge affect teachers’ intention to use mobile internet. Computers and Education Open, 2, 100041.
- Nordhoff, S., Louw, T., Innamaa, S., Lehtonen, E., Beuster, A., Torrao, G., Bjorvatne, A., Kessel, T., Malin, F., Happee, R., & Merat, N. (2020). Using the UTAUT2 model to explain public acceptance of conditionally automated (L3) cars: A questionnaire study among 9,118 car drivers from eight European countries. Transportation Research Part F: Traffic Psychology and Behaviour, 74, 280-297. https://doi.org/10.1016/j.trf.2020.07.015
- Senyo, P.K., & Osabutey, E.L. (2020). Unearthing antecedents to financial inclusion through FinTech innova-tions. Technovation, 98, 102155. https://doi.org/10.1016/j.technovation.2020.102155
- Palau-Saumell, R., Forgas-Coll, S., Sánchez-García, J., & Robres, E. (2019). User acceptance of mobile apps for restaurants: An expanded and extended UTAUT-2. Sustainability, 11(4), 1210. https://doi.org/10.3390/su11041210
- Park, S. (2023). Study on the Distribution Environmental Characteristics of Unmanned Stores. Journal of Distribution Science, 21(3), 101-111. http://doi.org/10.15722/jds.21.03.202303.101
- Payne, J., Lloyd, C., & Jose, S.P. (2023). ‘They tell us after they've decided things’: A cross‐country analysis of unions and digitalisation in retail. Industrial Relations Journal, 54(1), 3-19. https://doi.org/10.1111/irj.12390
- Poncin, I., Garnier, M., Mimoun, M.S.B., & Leclercq, T. (2017). Smart technologies and shopping experience: Are gamification interfaces effective? The case of the Smartstore. Technological Forecasting and Social Change, 124, 320-331. https://doi.org/10.1016/j.techfore.2017.01.025
- Ponte, D., & Bonazzi, S. (2023). Physical supermarkets and digital integration: acceptance of the cashierless concept. Tech-nology Analysis & Strategic Management, 35(9), 1178-1190. https://doi.org/10.1080/09537325.2021.1994942
- Qi, C. (2019). Is checkout- free store a flash in the pan? Factors influencing Hong Kong people’s adoption intention of checkout-free stores. ACIS 2019 Proceedings. 11. Retrieved from https://aisel.aisnet.org/acis2019/11 on March 6, 2024.
- Ray, A., Jana, S., & Rana, N.P. (2023). An NLP-based Mixed-method Approach to Explore the Impact of Grati-fications and Emotions on the Acceptance of Amazon Go. Asia Pacific Journal of Information Systems, 33(3), 541-572. https://doi.org/10.14329/apjis.2023.33.3.541
- Ringle, C.M., Wende, S., & Becker, J-M. (2022). SmartPLS 4. Oststeinbek: SmartPLS. Retrieved from https://www.smartpls.com on March 6, 2024.
- Roshchyk, I., Oliinyk, O., Mishchuk, H., & Bilan, Y. (2022). IT Products, E-Commerce, and Growth: Analysis of Links in Emerging Market. Transformations in Business & Economics, 21(1), 209-227.
- Schmitz, A., Díaz-Martín, A.M., & Guillén, M.J.Y. (2022). Modifying UTAUT2 for a cross-country comparison of telemedicine adoption. Computers in Human Behavior, 130, 107183. https://doi.org/10.1016/j.chb.2022.107183
- Shoheib, Z., & Abu-Shanab, E.A. (2022). Adapting the UTAUT2 model for social commerce context. Interna-tional Journal of E-Business Research (IJEBR), 18(1), 1-20. Retrieved from https://www.igi-global.com/pdf.aspx?tid=293293&ptid=277523&ctid=4&oa=true&isxn=9781799893783 on March 6, 2024.
- Schögel, M., & Lienhard, S.D. (2020). Cashierless Stores-The New Way to the Customer? Marketing Review St. Gallen: St. Gallen, Switzerland. Retrieved from www.alexandria.unisg.ch/server/api/core/bitstreams/30932a88-0593-4cd8-92af-32a9d9851db5/content on March 5, 2024.
- Selter, J.L., Fota, A., Wagner, K., & Schramm-Klein, H. (2023). Aspects driving customers' intention to use automated purchasing processes. International Journal of Retail & Distribution Management, 51(9/10), 1158-1173. https://doi.org/10.1108/IJRDM-10-2022-0397
- Sieja, M., & Wach, K. (2023). Revolutionary artificial intelligence or rogue technology? The promises and pitfalls of ChatGPT. International Entrepreneurship Review, 9(4), 101-115. https://doi.org/10.15678/IER.2023.0904.07
- Stočes, M., Vaněk, J., Jarolímek, J., Novák, V., Masner, J., Šimek, P., Kánská, E., Havránek, M., Kubata, K. & Voral, V. (2023). Agriculture Data Platform – Institutional Data Repository – Selected Aspects. AGRIS on-line Papers in Economics and Informatics, 15(4), 127-133. https://doi.org/10.7160/aol.2023.150409
- Sun, W., Shin, H.Y., Wu, H., & Chang, X. (2023). Extending UTAUT2 with knowledge to test Chinese consum-ers' adoption of imported spirits flash delivery applications. Heliyon, 9(5), e16346, https://doi.org/10.1016/j.heliyon.2023.e16346
- Szabó-Szentgróti, E., Konczos-Szombathelyi, M., Rámháp, S., & Kézai, P.K. (2023a). How Consumers Accept Unmanned Smart Stores?–Introducing a Proposed Technology Acceptance Model. Chemical Engineering Transactions, 107, 373-378. https://doi.org/10.3303/CET23107063
- Szabó-Szentgróti, E., Rámháp, S., & Kézai, P.K. (2023b). Systematic Review of Cashierless Stores (Just Walk Out Stores) Revolutionizing The Retail. Management & Marketing, 18(s1), 427-448. https://doi.org/10.2478/mmcks-2023-0023
- Śmigielska, G., & Stefańska, M. (2017). Innovative Positioning as a Marketing Tool of Retailers on the Food Market. Entrepreneurial Business and Economics Review, 5(1), 77-90. https://doi.org/10.15678/EBER.2017.050105
- Ton, A.D., Szabó-Szentgróti, G., & Hammerl, L. (2022a). Competition within Cross-Functional Teams: A Struc-tural Equation Model on Knowledge Hiding. Social Sciences, 11(1), 30. https://doi.org/10.3390/socsci11010030
- Ton, A.D., Hammerl, L., & Szabó-Szentgróti, G. (2022b). Using Smartphones to Prevent Cross-Functional Team Knowledge Hiding: The Impact of Openness & Neuroticism. International Journal of Interactive Mobile Technologies (IJIM), 16(11), 162-177. https://doi.org/10.3991/ijim.v16i11.30503
- Triantafillidou, A., Siomkos, G., & Papafilippaki, E. (2017). The effects of retail store characteristics on in-store leisure shopping experience. International Journal of Retail & Distribution Management, 45(10), 1034-1060. https://doi.org/10.1108/IJRDM-07-2016-0121
- Tseng, T.H., Lin, S., Wang, Y.S., & Liu, H.X. (2022). Investigating teachers’ adoption of MOOCs: the perspective of UTAUT2. Interactive Learning Environments, 30(4), 635-650. https://doi.org/10.1080/10494820.2019.1674888
- Türegün, N. (2019). Impact of technology in financial reporting: The case of Amazon Go. Journal of Corporate Accounting & Finance, 30(3), 90-95. http://doi.org/10.1002/jcaf.22394
- Thomas, M. (2023). Croatian Supermarket Ignites Retail Revolution with Region's First Cashierless SMART Store. Retrieved from https://www.thedubrovniktimes.com/news/croatia/item/15535-croatian-supermarket-ignites-retail-revolution-with-region-s-first-cashierless-smart-store on January 10, 2023.
- Venkatesh, V., Morris, M.G., Davis, G.B., & Davis, F.D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425-478. http://doi.org/10.2307/30036540
- Venkatesh, V., Thong, J.Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extend-ing the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157-178. http://doi.org/10.2307/41410412
- Vitezić, V., & Perić, M. (2024). The role of digital skills in the acceptance of artificial intelligence, Journal of Business & Industrial Marketing, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JBIM-04-2023-0210
- Wei, M.F., Luh, Y.H., Huang, Y.H., & Chang, Y.C. (2021). Young generation’s mobile payment adoption behav-ior: Analysis based on an extended UTAUT model. Journal of Theoretical and Applied Electronic Com-merce Research, 16(4), 618-637. https://doi.org/10.3390/jtaer16040037
- Wong, J.W., & Yap, K.H.A. (2024). Factors influencing the adoption of artificial intelligence in accounting among micro, small medium enterprises (MSMEs). Quantum Journal of Social Sciences and Humanities, 5(1), 16-28. https://doi.org/10.55197/qjssh.v5i1.323
- Xu, J., Hu, Z., Zou, Z., Zou, J., Hu, X., Liu, L., & Zheng, L. (2020). Design of smart unstaffed retail shop based on IoT and artificial intelligence. IEEE Access, 8, 147728-147737. http://doi.org/10.1109/ACCESS.2020.3014047
- Zarco, C., Giráldez-Cru, J., Cordón, O., & Liébana-Cabanillas, F. (2024). A comprehensive view of biometric payment in retailing: A complete study from user to expert. Journal of Retailing and Consumer Services, 79. https://doi.org/10.1016/j.jretconser.2024.103789
- Zhu, X., Zhang, P., Wei, Y., Li, Y., & Zhao, H. (2019). Measuring the efficiency and driving factors of urban land use based on the DEA method and the PLS-SEM model—A case study of 35 large and medium-sized cit-ies in China. Sustainable Cities and Society, 50, 101646. https://doi.org/10.1016/j.scs.2019.101646