Item

Source

Effort expectancy

√

Learning how to use mobile payment is easy for me.

Venkatesh et al. (2012); Peng et al. (2011)

√

My interaction with mobile payment is clear and understandable.

√

I find mobile payment easy to use.

√

It is easy for me to become skillful at using mobile payment.

Performance expectancy

√

I find mobile payment useful in my daily life.

Venkatesh et al. (2012); Peng et al. (2011)

√

Using mobile payment increases my chances of achieving things that are important to me.

√

Using mobile payment helps me accomplish things more quickly.

√

Using mobile payment increases my productivity.

Social influence

√

People who are important to me think that I should use mobile payment

Venkatesh et al. (2012); Peng et al. (2011)

√

People who influence my behavior think that I should use mobile payment.

√

People whose opinions that I value prefer that I use mobile payment.

Trust

√

Mobile payments are trustworthy

Zmijewska et al. (2004)

√

I believe that data sent is confidential.

√

I get an immediate confirmation message of the transaction.

√

I trust mobile payment systems to be reliable.

Gefen (2000); Jarvenpaa et al. (2003)

Network externalities

√

If more and more merchants accept mobile payment, then:

√

The quality of mobile payment services will improve.

Yu and Tao (2007); Katz and Shapiro (1992)

√

A wider variety of mobile payment services will be offered.

√

Customers will have to pay less to use mobile payment services.

Behavioral intentions

Venkatesh et al. (2012); Peng et al. (2011)

√

I intend to use mobile payment in the future.

√

I expect that I will use mobile payment in my daily life.

√

I plan to use mobile payment frequently.