| Performance expectancy (Venkatesh et al., 2012) |
| I find digital wallets as a useful instrument in my everyday life |
| Using digital wallets enhances the accomplishment of pertinent tasks |
| Digital wallets help me to complete the pertinent tasks as quick as possible |
| Use of digital wallets increases the productivity |
| Effort expectancy (Venkatesh et al., 2012) |
| I feel easy to learn using digital wallets |
| I have a very good acquaintance with digital wallets |
| I feel that digital wallets are easy to use |
| One self can become skilful in using digital wallets |
| Facilitating condition (Venkatesh et al., 2012) |
| I have the essential resources to use digital wallets |
| The technologies embedded in digital wallets are compatible with other technologies that I use |
| I need not seek help from others when using digital wallets |
| I have sufficient knowledge to use digital wallets |
| Hedonic motivation (Venkatesh et al., 2012) |
| It is fun for me to use digital wallets |
| I enjoy using digital wallets |
| It is entertaining to use digital wallets |
| Habit (Venkatesh et al., 2012) |
| The use of digital wallets has become a habit for me |
| I am addicted to use digital wallets |
| I cannot restrain using digital wallets |
| It becomes quite natural for me to use digital wallets |
| Technology satisfaction (Daud Norzaidi and Intan Salwani, 2009) |
| The Technology used in digital wallets facilitate complacent transactions |
| The Technology embedded in digital wallets results in high satisfaction |
| I am pleased with the use of Technology used in digital wallet |
| I am contented with the Technology used in digital wallets |
| I am delighted with the Technology used in digital wallets |
| Continuing intention to use (Venkatesh et al., 2012) |
| I intend to continue using digital wallets in the future |
| I will always try to use digital wallets in my everyday life |
| I plan to continue using digital wallets frequently |
| Incentive (Malik et al., 2019) |
| I use digital wallets as it provides me various discounts |
| I use digital wallets as I get cash back every time, I transact by using it |
| I prefer digital wallets than others as I get more promotional offers |
| Trust (Alalwan et al., 2017) |
| I feel safe in providing personal information in the use of digital wallets |
| I am not worried to use digital wallets as I know my transactions are secured |
| I am not worried to use digital wallets as I know my transactions are safe |
| I feel secured even if sensitive information is sent across this digital wallet. |
| Digital wallets will not reveal any of my information to the third party |