Zhai , R. and Nik Azman, N.H. 2025. MECHANISMS OF CONSUMER FINTECH ADOPTION: EVIDENCE FROM A STREAMLINED TAM3 IN CHONGQING. JOURNAL INFORMATION AND TECHNOLOGY MANAGEMENT (JISTM). 10, 40 (Sep. 2025). DOI:https://doi.org/10.35631/JISTM.1040021.