Financial Innovation

Table 3 Evolution of the number and variation of the reviews between 2015 and 2021

From: Exploring the determinants of the user experience in P2P payment systems in Spain: a text mining approach

Years	Bizum	% variation	Twyp	% variation	Verse	% variation
2015	0		196		0
2016	12		389	98.5	562
2017	16	33.3	1351	247.3	452	− 19.57
2018	86	437.5	1583	17.2	104	− 76.99
2019	209	143.0	1288	− 18.6	228	119.23
2020	605	189.5	851	− 33.9	2013	782.89
2021	1398	131.1	871	2.4	3664	82.02

Source: Own elaboration

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