Table 3.

Items used UTAUT-NFC mobile wallet

ConstructItemsAuthors, year
Performance expectancy1. I find NFC mobile wallets useful in my daily lifeVenkatesh et al. (2012) 
2. Using NFC mobile wallets helps me accomplish financial service more quickly
3. Using NFC mobile wallets helps me accomplish things more quickly
4. Using NFC mobile wallets increases my productivity
Effort expectancy1. Learning how to use NFC mobile wallets is easy for meVenkatesh et al. (2012) 
2. My interaction with NFC mobile wallets solution is clear and understandable
3. I find NFC mobile wallets easy to use
4. It is easy for me to become skillful at using NFC mobile wallets
Social influence
1. People who are important to me think that I should use NFC mobile walletsVenkatesh et al. (2012) 
2. People who influence my behavior think that I should use NFC mobile wallets
3. People whose opinions that I value prefer that I use NFC mobile wallets
Credibility1. Bank offering NFC mobile wallets are reliable enough to do financial transactionsMallat and Tuunainen (2008) 
2. NFC mobile wallets are reliable enough to do financial transactions
3. The NFC mobile wallets payment process is reliable enough to do financial transactions
4. NFC mobile wallets are doing its best to enhance security
Service smartness1. NFC mobile wallets are intelligentPechmann and Ratneshwar (1994) 
2. NFC mobile wallets are smart
Habit1. The use of NFC mobile wallets has become a habit for meVenkatesh et al. (2012) 
2. I am addicted to using NFC mobile wallets
3. I must use NFC mobile wallets
Behavioral intention1. I intend to continue using NFC mobile wallets in the futureVenkatesh et al. (2012) 
2. I will always try to use NFC mobile wallets in my daily life
3. I plan to continue to use NFC mobile wallets frequently

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