Table 1 Measurement items
Construct | Items | Statements | Sources |
|---|---|---|---|
Perceived usefulness | PU | PU1: Using digital wallets improve the course of my daily life PU2: Using digital wallets in my everyday life increases my productivity PU3: Using digital wallets enhances the effectiveness of my daily life PU4: Using digital wallets would help to manage my expense better | Venkatesh et al. [87] |
Perceived ease of use | PEU | PEU1: The payment process with mobile apps is clear and understandable PEU2: The payment process with mobile apps does not require a lot of mental effort PEU3: I find it convenient to pay digitally PEU4: It is easy to follow all the steps to using the mobile payment system | Venkatesh et al. [87] |
Perceived compatibility | PC | PC1: Using digital wallets fit well with my lifestyle PC2: Using digital wallets does well with the way I like to purchase products and services PC3: I would appreciate using digital wallets instead of traditional modes of payment | Parasuraman and Colby [64] |
Perceived personal innovativeness | PPI | PPI1: I would look for ways to experiment with new information technologies PPI2: Among my friends/ colleagues, I am usually the first to try out new information technologies PPI3: In general, I do not mind trying digital payment application that is new in the market | |
Perceived social influence | PSI | PSI1: People who are important to me think that I should use digital wallets PSI2: People who influence my behavior think that I should use digital wallets PSI3: People whose opinions I value prefer that I should use digital wallets | |
Perceived insecurity | PI | PI1: I just don’t trust any digital payment mechanism PI2: I feel insecure in using digital payment services PI3: I am concerned about my online privacy | Parasuraman and Colby [64] |
Behavioral intention | BI | BI1: I am likely to use digital wallets soon BI2: I am open to using digital wallets when the opportunity arises BI3: I intend to use digital wallets when the opportunity arises | Venkatesh et al. [87] |
Continued usage intention | CUI | CUI1: I will frequently use the digital wallets platform CUI2: I will continue to use my digital wallets apps | Zhou [101] |
Perceived technological innovativeness | PTI | PTI1: Digital wallets are technologically new and innovative PTI2: The technology of the digital wallets platform allows me to receive the best service PTI3: I am confident that digital wallets will be at the forefront of future payment platforms | Parasuraman and Colby [64] |