Reluctance to acceptance: Factors affecting e-payment adoption in Pakistan (The integration of TRI and TAM) Hassan Ahmad Asad Hassan Butt Adnan Khan Mohammad Nouman Shafique Zahid Nawaz Publication Journal: SMART Journal of Business Management Studies Year of Publication: 2020 Identifiers ISSN: 2321-2012 Other Numbers: 156488567 Alternative titles DOIGoogle ScholarBibTeXRIS Locators