Examining AI-Mobile payment applications through ISSM and perceived value theories: The role of alternative attractive service design options. - Doszhan, Raigul; Glavee-Geo, Richard; Sabidullina, Ademi; Zhanibekova, Gaukhar; Baimukhanova, Sariya; Shaikh, Aijaz A. (European Research on Management & Business Economics, 2026)