I. INTRODUCTION

The adopting of details technological innovation in growing and creating financial systems has drawn the attention of many public and technical scientists trying to comprehend the effect that market and socio-economic aspects have in the use of technological innovation [1], [2], [3]. Such studies are of attention to both policy makers interested in the evaluation of technologybased programs, as well as technologists focusing on the development of customized solutions for growing financial systems. Studies that evaluate market or socio-economic differences in the accessibility technological innovation, are usually depending on individual discussions that link individual aspects to individual technological innovation use and experiences. Although individual discussions offer essential ideas that can be helpful towards the depiction of technological innovation utilization, these are usually restricted to a little amount of people that are either questioned in pe ... Read more »