# From Transactions to Transformations: A Bibliometric Study on Technology Convergence in E-Payments
## 4 Result Analysis
### Network Analysis
#### 4.2.4 Most-Posted Papers  
The most-cited research in the domain of e-payment is observed to examine the key factors influencing consumer decisions to adopt e-payment systems, such as perceived ease of use, usefulness, trust, and security concerns. The studies also delve into the technological aspects of e-payment systems, discussing the innovations that have made them more secure, user-friendly, and widely accessible. Additionally, the research highlights the importance of understanding consumer behavior and preferences in developing and implementing e-payment solutions. Table 7 presents the top-contributing journals in the field of e-payment technology research, based on the total number of peer-reviewed journal articles.  
One significant contribution of the research is developing and testing theoretical models that explain adopting e-payment systems. These models integrate constructs from  
\begin{table}
\begin{tabular}{c c c c c c} \hline \hline
**Paper** & **Themes** & **Year** & **LCS** & **GCS** & **Cluster** \\ \hline [PERSON] [28] & User Acceptance; Trustworthiness; Determinants; Price & 2003 & 448 & 2165 & 2 \\ \hline [PERSON], [PERSON] [32] & Online; Internet; Determinants; Management; Reputation; Trustworthiness; Orientation; Cooperation; Familiarity; Behavior & 2008 & 387 & 1677 & 2 \\ \hline [PERSON] et al. [PERSON], et al. [48] & Influence Strategies; Channels; Systems & 1995 & 106 & 1157 & 1 \\ \hline [PERSON] et al. [PERSON], et al. [49] & Individual-Differences; Perceived Ease; E-Commerce; Technology; Acceptance; Adoption; Model; Innovativeness & 2010 & 211 & 604 & 2 \\ \hline [PERSON], et al. [PERSON], [PERSON] [46] & Information-Technology; User Acceptance; Perceived Ease; Meta-Analysis; Model; Antecedents; Adoption; Perceptions; Intentions; Commerce & 2010 & 219 & 582 & 2 \\ \hline [PERSON], [PERSON], [PERSON] [47] & Information-Technology; User Acceptance; Consumer Adoption; Personal Innovativeness; Unified Theory; Credit Card; M-Pay; Banking; Cooperation; Models & 2016 & 228 & 565 & 2 \\ \hline Belanger, Hiller and Smith [31] & Trust; Satisfaction & 2002 & 112 & 543 & 2 \\ \hline Grandon and PearsonGrandon and Pearson [50] & Information-Systems; Edi Adoption; Technology; Model; Management; Decisions; Intention & 2004 & 101 & 506 & 1 \\ \hline [PERSON] [30] & Information-Systems Success; E-Commerce; Consumer Adoption; Trust; Flow; Quality; Satisfaction; Antecedents; Model; Integration & 2013 & 171 & 488 & 2 \\ \hline [PERSON] [51] & Innovation Characteristics; Technology Adoption; Acceptance; Internet; Commerce; Context; Trust & 2007 & 148 & 427 & 2 \\ \hline \hline \end{tabular}
\end{table}
Table 7: Top 10 cited publications.  
established theories, such as the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB), with factors specific to e-payments, such as mobile payment knowledge and system characteristics like mobility and reachability. These research findings advance academic knowledge and offer practical implications for businesses and policymakers. The implications of these studies suggest strategies for enhancing the adoption of e-payment systems, improving consumer trust and satisfaction, and addressing the technological challenges associated with these systems. Overall, the research presented in these papers is crucial for understanding the dynamics of e-payment systems, driving their evolution, and ensuring their alignment with user needs and technological advancements.