Table 2.

Measurement constructs.

Constructs	Constructing items	Sources
Performance Expectancy (PE)	PE1: I would find the Fintech services useful in my job. PE2: Fintech services enable to accomplish tasks more quickly PE3: Fintech services can improve my productivity PE4: Overall, I find Fintech services beneficial in my daily life	[15,88]
Effort Expectancy (EE)	EE1: It is convenient to use Fintech services EE2: Using Fintech is clear and comprehensible EE3: It is convenient for me to become skilful at Fintech services	[15]
Social Factor (SF)	SF1: People who impact on my behaviour think that I should use Fintech SF2: I'm more likely to use Fintech if my friends and family use it SF3: I use Fintech because my teachers use it	[88]; [14]
Facilitating Condition (FC)	FC1: I have knowledge of using Fintech FC2: I have resources (e.g. Smartphone) to use Fintech FC3: Fintech services are compatible with other system I use FC4: If I face any problem in using Fintech services, I can solve quickly	[89]; [15]
Personal Innovativeness (PI)	PI1: If I know any new technology, I look for ways to try out it. PI2: Among my peers, I am generally the first to experiment new technologies. PI3: Overall, I am not hesitant to experiment new technologies.	[90,91]
Behavioural Intention (BI)	BI1: I plan to use Fintech in future BI2: I intend to continue to use Fintech frequently BI3: I am used to Fintech Services	[15]
Actual Use (AU)	AU1: Fintech service is a pleasant experience AU2: I am using Fintech AU3: Use of Fintech is a good idea	[92]