| variable | Variable definition | source |
| Perceived usefulness | Users perceive the convenience of third-party mobile payment, meet personal use requirements, improve work efficiency and quality of life | |
| Perceived ease of use | The user feels that it is easy to use and the operation process is simple and uncomplicated. | |
| Social influence | People around the user are using third-party mobile payments to have a subtle influence on him, and the user wants to try it. | |
| Personal innovation | Users are easy to accept the emergence of a new thing, curious about new things. | |
| Perceived value | After weighing the perceived gains and perceived gains and losses, the user chooses whether to accept and use the product and service for the maximum benefit. | |