Mobile financial services (MFS) have been a powerful innovation to provide cost-effective services and wide coverage to the unbanked population of the world. The topic has gained considerable attention from researchers but lacks a clear guideline or directions for future prospects. Therefore, this article presents a systematic literature review on MFS adoption. Using the Web of Science database, the paper reviewed 118 articles and revealed significant models, conceptual frameworks, antecedents and variables that explain consumers' adoption of MFS. The paper also outlines highly cited authors, studies and journals utilizing international platforms such as Google Scholar, ResearchGate and SCImago Journal Ranking. The findings of the systematic literature review indicate the technology acceptance model (TAM) followed by the unified theory of acceptance and use of technology (UTAUT) as the leading conceptual framework, and MFS adoption antecedents can be organized into six different categories, viz. Cognitive determinants, affective determinants, social-based determinants, trust-based determinants, barrier-based determinants and consumer-based determinants. The paper concluded with an agenda for future studies with corresponding gaps in the literature.

中文翻译：

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移动金融服务的过去、现在和未来：批评、回顾和未来议程

移动金融服务 (MFS) 是一项强大的创新，可为世界上没有银行账户的人群提供具有成本效益的服务和广泛的覆盖范围。该主题已引起研究人员的极大关注，但缺乏明确的指导方针或未来前景的方向。因此，本文对 MFS 的采用进行了系统的文献综述。该论文使用 Web of Science 数据库审查了 118 篇文章，并揭示了解释消费者采用 MFS 的重要模型、概念框架、前因和变量。该论文还概述了利用 Google Scholar、ResearchGate 和 SCImago Journal Ranking 等国际平台的高被引作者、研究和期刊。系统文献综述的结果表明，技术接受模型 (TAM) 遵循技术接受和使用统一理论 (UTAUT) 作为主导概念框架，而 MFS 采用前因可以分为六个不同的类别，即。认知决定因素、情感决定因素、基于社会的决定因素、基于信任的决定因素、基于障碍的决定因素和基于消费者的决定因素。该论文最后提出了未来研究的议程，并在文献中存在相应的空白。基于障碍的决定因素和基于消费者的决定因素。该论文最后提出了未来研究的议程，并在文献中存在相应的空白。基于障碍的决定因素和基于消费者的决定因素。该论文最后提出了未来研究的议程，并在文献中存在相应的空白。