Table 3.
Questionnaire items
| Variables | Items | Descriptions | References |
|---|---|---|---|
| Perceived value (PV) | PV1 | In comparison to the effort required, I find that using the MFS platform benefits me. | (Kim et al. 2007; Sirdeshmukh et al. 2002; Xie et al. 2021) |
| PV2 | In comparison to the time I need to invest, I believe that using the MFS platform is worthwhile. | ||
| PV3 | Overall, the MFS platform provides me with good value. | ||
| Performance expectancy (PE) | PE1 | I utilize the MFS platform daily. | (Venkatesh et al. 2003, 2012; Xie et al. 2021) |
| PE2 | My idle funds are better utilized when I am using the MFS platform. | ||
| PE3 | Utilizing the MFS platform improves the efficiency of my financial management. | ||
| Effort expectancy (EE) | EE1 | It would be simple for me to develop competency with the MFS platform. | (Venkatesh et al. 2003, 2012; Xie et al. 2021) |
| EE2 | I would find the MFS platform easy to use. | ||
| EE3 | For me, learning how to utilize the MFS platform is simple. | ||
| Social influence (SI) | SI1 | People who matter to me believe that I should use the MFS platform. | (Al Nawayseh 2020; Venkatesh et al. 2003, 2012; Xie et al. 2021) |
| SI2 | People who have an impact on my behavior believe that I should use the MFS platform. | ||
| Perceived risk (PR) | PR1 | Using the MFS platform comes with a significant amount of risk. | (Al Nawayseh 2020; Kim et al. 2008; Pavlou 2003; Xie et al. 2021) |
| PR2 | When using the MFS platform, there is a significant level of unpredictability. | ||
| PR3 | The MFS platform poses a significant level of security risk. | ||
| PR4 | Overall, I believe that adopting the MFS platform has minimal advantage over traditional financial services. | ||
| User trust (UT) | UT1 | I trust the MFS platform. | (Al Nawayseh 2020; Hu et al. 2019; Shaw and Sergueeva 2019) |
| UT2 | I trust the reliability of MFS platform. | ||
| UT3 | I believe that MFS platforms are trustworthy. | ||
| Adoption intention (AI) | AI1 | I intend to adopt MFS in the future. | (Al Nawayseh 2020; Venkatesh et al. 2003, 2012; Xie et al. 2021) |
| AI2 | I expect to use the MFS platform regularly in the future. | ||
| AI3 | I will strongly advise others to use the MFS platform. |
Items that were excluded from the final analysis are not included here