1

2

3

4

5

6

7

8

9

Ease of use

-

Usefulness

0.436**

-

Security

0.659**

0.630**

-

Trust

0.714**

0.563**

0.754**

-

Convenience

0.169*

0.539**

0.347**

0.432**

-

mobility

0.241**

0.571**

0.437**

0.423**

0.667**

-

Economize

0.283**

0.602**

0.398**

0.409**

0.659**

0.817**

-

Use of mobile payment

0.201**

0.439**

0.296**

0.446**

0.730**

0.734**

0.702**

-

Use of ATM

0.061

0.047

0.047

0.011

0.161*

0.287**

0.302**

0.255**

-