Implications of Mobile Financial Service Users' Adaptive Usage Behavior: The Vicious Cycle of Negative Experience, Social Construct, and Confidence. - Ifti Azad Abeer; Anik Saha; Anik Sinha; Rahat Jahangir Rony; Gazi Fakhrul Islam; Shajnush Amir; Md. Sabbir Ahmed; Syeda Shabnam Khan; Nova Ahmed (ACM J. Comput. Sustain. Soc., 2025)