Factors affecting the Acceptation of financial technology: Smartphone payment system with Near Field Communication technology to buy consumer products in Bangkok

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Ubonwan Khunthong
Nareerat Ananchairachata
Boontham Racharak


The objective of this research is to study the factor affecting the acceptance of financial technology in the case of smartphone payment systems using NFC technology to buy consumer products in Bangkok. The data is collected using a content validity questionnaire. Collecting data from people who have the acceptance of financial technology in the case of 432 NFC payment systems using smartphones Analyze data to find the frequency, percentage, mean, standard deviation and confirmatory factor analysis, 2nd place.

The study indicated that the majority of the samples studied were female, aged 20-25 years, studying at the bachelor degree level. Work as a private company employee the average monthly income is less than 15,000 baht and most of the technology channels are known. NFC from the bank's public relations Elements of the intention of using financial technology in the case of smartphone payment systems using NFC technology in the purchase of consumer products in Bangkok Sorting the priority from the highest weight score, found that 1) The elements in accepting the use of innovation for financial transaction services consist of 2 aspects, namely the performance expectation from the use and the influence of society 2) The attitude component that with the use of innovation for financial transaction services using NFC technology consisting of 2 aspects, including awareness of benefits Usability and perceived ease of use, and 3) The elements on the online behavior of users of financial services comprise two areas of continuity. And online recognition the remaining variables are expectations of trying to use. Conditions of use, awareness of emotional risk online entertainment and technology efficiency is a factor that is not a success factor of the intention of using financial transaction services using NFC technology, so it was extracted before entering the structural equation modeling.


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Khunthong, U., Ananchairachata, N., & Racharak, B. (2020). Factors affecting the Acceptation of financial technology: Smartphone payment system with Near Field Communication technology to buy consumer products in Bangkok. Rajapark Journal, 14(32), 23–36. Retrieved from https://so05.tci-thaijo.org/index.php/RJPJ/article/view/187526
Research Article


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