Constructs and measurement items
| Perceived usefulness |
| Peer-to-peer mobile payment systems are useful payment methods (PU1) |
| Using peer-to-peer mobile payment systems makes it easier to handle payments (PU2) |
| Peer-to-peer mobile payment systems allow quick use of mobile applications (PU3) |
| In general, peer-to-peer mobile payment systems could be useful for me (PU4) |
| Perceived trust |
| I believe the peer-to-peer mobile payment system will keep its promises and commitments (TR1) |
| The peer-to-peer mobile payment system is trustworthy (TR2) |
| I would describe peer-to-peer mobile payment system as honest (TR3) |
| I believe the peer-to-peer mobile payment system is responsible (TR4) |
| In general, I trust the peer-to-peer mobile payment system (TR5) |
| Personal innovativeness |
| If I find out about new information technology, I seek ways to experience it (PII1) |
| I am usually one of the first among my colleagues/peers to explore new information technology (PII2) |
| In general, I am reluctant to try new information technologies (PII3) |
| I like to try new information technologies (PII4) |
| Subjective norms |
| The people whose opinions I value would approve of me using peer-to-peer mobile payment system (SN1) |
| Most of the people I have in mind think that I should use a peer-to-peer mobile payment system (SN2) |
| They expect me to use a peer-to-peer mobile payment system (SN3) |
| The people who are close to me would agree with me in using a peer-to-peer mobile payment system (SN4) |
| Perceived quality |
| When peer-to-peer mobile payment systems promise they will do something, they do (QUAL1) |
| I consider peer-to-peer mobile payment systems to be dependable (QUAL2) |
| Peer-to-peer mobile payment systems provide the services they promise when they are supposed to (QUAL3) |
| Peer-to-peer mobile payment systems accurately maintain the statement (QUAL4) |
| It is easy to obtain related service information (QUAL5) |
| It feels safe to do business with the company (QUAL6) |
| The statement is clear and ease to understand (QUAL7) |
| Intention to use |
| Given the opportunity, I will use mobile peer-to-peer mobile payment systems (IU1) |
| I am likely to use peer-to-peer mobile payment systems in the near future (IU2) |
| I am open to using peer-to-peer mobile payment systems in the near future (IU3) |
| Perceived risk |
| Other people can get information about my online transactions if I use this tool (PR1) |
| There is a high potential for money wasted if I make purchases on the Internet/social networks using this tool (PR2) |
| There is significant risk in making purchases on the Internet/social networks using this tool (PR3) |
| I think that making purchases on the Internet/social networks with this tool is a risky choice (PR4) |
| Peer-to-peer mobile payment systems are useful payment methods (PU1) |
| Using peer-to-peer mobile payment systems makes it easier to handle payments (PU2) |
| Peer-to-peer mobile payment systems allow quick use of mobile applications (PU3) |
| In general, peer-to-peer mobile payment systems could be useful for me (PU4) |
| I believe the peer-to-peer mobile payment system will keep its promises and commitments (TR1) |
| The peer-to-peer mobile payment system is trustworthy (TR2) |
| I would describe peer-to-peer mobile payment system as honest (TR3) |
| I believe the peer-to-peer mobile payment system is responsible (TR4) |
| In general, I trust the peer-to-peer mobile payment system (TR5) |
| If I find out about new information technology, I seek ways to experience it (PII1) |
| I am usually one of the first among my colleagues/peers to explore new information technology (PII2) |
| In general, I am reluctant to try new information technologies (PII3) |
| I like to try new information technologies (PII4) |
| The people whose opinions I value would approve of me using peer-to-peer mobile payment system (SN1) |
| Most of the people I have in mind think that I should use a peer-to-peer mobile payment system (SN2) |
| They expect me to use a peer-to-peer mobile payment system (SN3) |
| The people who are close to me would agree with me in using a peer-to-peer mobile payment system (SN4) |
| When peer-to-peer mobile payment systems promise they will do something, they do (QUAL1) |
| I consider peer-to-peer mobile payment systems to be dependable (QUAL2) |
| Peer-to-peer mobile payment systems provide the services they promise when they are supposed to (QUAL3) |
| Peer-to-peer mobile payment systems accurately maintain the statement (QUAL4) |
| It is easy to obtain related service information (QUAL5) |
| It feels safe to do business with the company (QUAL6) |
| The statement is clear and ease to understand (QUAL7) |
| Given the opportunity, I will use mobile peer-to-peer mobile payment systems (IU1) |
| I am likely to use peer-to-peer mobile payment systems in the near future (IU2) |
| I am open to using peer-to-peer mobile payment systems in the near future (IU3) |
| Other people can get information about my online transactions if I use this tool (PR1) |
| There is a high potential for money wasted if I make purchases on the Internet/social networks using this tool (PR2) |
| There is significant risk in making purchases on the Internet/social networks using this tool (PR3) |
| I think that making purchases on the Internet/social networks with this tool is a risky choice (PR4) |
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