# From Transactions to Transformations: A Bibliometric Study on Technology Convergence in E-Payments
## 4 Result Analysis
### Network Analysis
#### 4.2.3 Citation Network  
Figure 9 shows the co-citation network of the obtained results (Figure 9a) and citation network density (Figure 9b). The co-citation network obtained is divided into three prominent clusters described further in this section. The research conducted in this cluster emphasizes the intricate balance between technological ease of use, perceived usefulness, and the relational dynamics between buyers and sellers, mediated by trust and perceived risks. This theme is dissected through various lenses, including the Technology Acceptance Model (TAM), trust theories, and the perceived risk associated with online transactions. These papers collectively illustrate that trust significantly influences consumer willingness to engage in online shopping and electronic commerce, their perceptions of the technology's usefulness and ease of use, and their assessment of the risks involved in online transactions. Methodologically, these studies employ a variety of approaches, including empirical research, structural equation modeling, surveys, and data analysis, to validate their hypotheses and models. These methods allow for a rigorous examination of the relationships between trust, perceived usefulness, perceived ease of use, and perceived risk. The findings underscore the complexity of online consumer behavior, revealing that trust and perceived risk are as crucial as the \"perceived usefulness\" and the ease of use of e-commerce platforms. Integrating the TAM with constructs of trust and perceived risk addresses a significant research gap, highlighting the need for a holistic understanding of the factors influencing e-commerce acceptance  
Figure 9: (**a**) Co-citation network plot. (**b**) Co-citation density plot. (28; 29; 30; 32; 35; 36; 37; 38; 39; 40; 41; 42; 43; 44; 45; 46; 47). and participation. The synthesis of these papers offers a comprehensive exploration of the dynamics at play in e-commerce settings. It emphasizes the necessity of a multi-dimensional approach that considers technological, psychological, and relational factors to understand and foster online consumer engagement fully. Cluster 2: Integrating Technology Acceptance and User Behavior  
The central theme revolves around the Technology Acceptance Model (TAM), perceived risk, user trust, and their impact on the adoption of technologies and services, especially in the context of e-commerce and online transactions. These studies explore various dimensions of technology acceptance, integrating psychological and behavioral aspects such as trust, perceived ease of use, and perceived usefulness, alongside the risk perceptions associated with adopting new technologies. The methodologies used across these studies range from empirical analyses and structural equation modelling (SEM) to surveys and data analysis, emphasizing the multifaceted nature of technology acceptance and the need to consider both the positive and negative utilities that influence user behavior. The research collectively addresses gaps in our understanding of the complex interplay between user perceptions, trust mechanisms, and their implications for technology adoption, offering insights into how perceived risks can be mitigated and trust can be enhanced to promote the greater acceptance and usage of technological innovations. The research underscores the importance of trust and perceived risk in the technology acceptance process, advocating for a comprehensive approach that integrates these factors with traditional TAM constructs. Cluster 3: Trust, Security, and Sociocultural Perspectives  
The collection of papers on mobile payment technologies presents a comprehensive examination of the multifaceted factors influencing consumer adoption, usage, and the evolution of mobile payment systems. At the core, these studies navigate the interplay of technological, psychological, and sociocultural dimensions that shape user perceptions and behaviors toward mobile payments.