This study aims to analyse the adoption of mobile payment applications during the coronavirus disease 2019 (COVID-19) pandemic using the technology acceptance model (TAM) and Technology Readiness Index (TRI).

TRI constructs affect perceived usefulness and perceived ease of use, with the ex...

• perceived usefulness and easiness of use determine one’s attitude towards the adoption of a particular technology and consequently determine the intention to use and apply the technology
• perceived usefulness: the extent to which a person believes that using a particu...

• related to one’s tendency to use new technology as well as the general sentiment about the new technology
• 16 items, measuring optimism, innovativeness, discomfort and insecurity
• readiness for general technology

H1-4: Optimism/Innovativeness have a positive effect on perceived usefulness/ease-of-use.

✅ supported

H5-8: Discomfort/Insecurity have a negative effect on perceived usefulness/ease-of-use.

✅ H6

❌ H5, H7-8

H9-10: Perceived usefulness/ease-of-use have a positive inf...

• TRI constructs have a high level of importance in their effect on attitude and intention to use
• optimism has the highest level of importance ➡️ must be increased by service providers by convincing users of the benefits of using mobile payment applications