Predicting Consumer Intention to Adopt Near Field Communication Enabled Mobile Payment in Thailand


  • Athapol Ruangkanjanases Chulalongkorn Business School, Chulalongkorn University
  • Nicharee Sirikulprasert Chulalongkorn Business School, Chulalongkorn University


NFC, Near Field Communication, Intention, Adopt, Mobile, Payment, Thailand,


Near Field Communication (NFC) enabled mobile payment is the process that allows two devices placed within a few centimeters of each other to exchange data in order to make a payment. The consumers can make purchases directly just by waving or tapping their mobile phones on the NFC reader. Recently, NFC-enabled contactless payment has been emerging in many counties including Thailand. The objective of this study is to identify the factors influencing consumers to adopt the NFC-enabled mobile payment system in Thailand. The hypotheses are constructed to test the influence of 6 independent variables. Online surveys were conducted in early 2017 and the total of 400 completed questionnaires were returned. The empirical results indicated that three factors of Thai respondents; Relative Advantage, Compatibility and Social Influence, were significant predictors of the intention to adopt NFC-enabled mobile payment.


Matt Egan (2015). What is NFC? Uses of NFC | How to use NFC on your smartphone. [Online]. Available:

Bank of Thailand (2017). Volume of Payment Transactions processed through Payment Systems and Channels. [Online]. Available: age=eng

Thomas Lerner, Mobile Payment, Springer Fachmedien Wiesbaden, 2013.

Ekata Desai, Mary Grace Shajan, “A Review on the Operating Modes of Near Filed Communication,” International Journal of Engineering and Advance Technology, vol.2, no.2, pp.322-325, 2012.

Nearfieldcommunication (2017). History of Mobile & Contactless Payment Systems. [Online]. Available: http://www.nearfieldcommu

R. Boden (2013). NFCWorld. NFC mobile ticketing to go live in Beijing [Online]. Available:

Thai Telecommunications (2012). NFC for easier life. [Online]. Available:

Rabbit (2015). The places you can use. [Online]. Available:

AIS mPAY Rabbit. [Online]. Available:: aismpayrabbit/faq.html

NFCworld (2017). Samsung Pay goes live in Thailand. [Online]. Available:

Everett M. Rogers, Diffusion of Innovations, New York: The Free Press, 2003. (2015). What is Technology Acceptance Model (TAM), IGI Global? (2015). [Online]. Available: /dictionary/ technology-acceptance-model-tam/29485

F. D. Davis, “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Quarterly, vol.13, no. 3, pp. 319–340, 1989.

Paul A. Pavlou, “Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model,” International Journal of Electronic Commerce, vol. 7, no. 3, pp.101-134, 2003.

N. Mallat, “Exploring Consumer Adoption of Mobile Payments - A Qualitative Study,” Journal of Strategic Information Systems, vol. 16, no. 4, pp. 413-432, 2007.

T. Dahlberg, N. Mallat, J. Ondrus, and A. Zmijewska, “Past, present and future of mobile payments research: a literature review”, Electronic Commerce Research and Applications, vol. 7, no. 2, pp. 165-181, 2008.

Knud Böhle and Malte Krueger. Payment Culture Matters-A comparative EU-US perspective on Internet payments. Seville: European Commission, Joint Research Centre. 2001.

V. Venkatesh, “Technology acceptance model 3 and a research agenda on interventions,” Decision Science, vol. 39, no. 2, pp.273-315, 2008.

A. Dillon & M. Morris, “User acceptance of information technology: Theories and models,” Journal of American Society for Information Science, vol. 31, pp. 3-32, 1996. (2017). The Mobile Global Report. [Online]. Available:

Taro Yamane, Statistics: An Introductory Analysis. New York: Harper and Row, 1967.

Lee J. Cronbach, “Test reliability: Its meaning and determination,” Psychometrika, vol. 12, no.1, pp. 1-16, 1947.

J. F. Hair, W. C. Black, B. J. Babin, R. E. Anderson, & R. L. Tatham, Multivariate Data Analysis. Upper Saddle River, NJ: Prentice Hall, 2006.

T.S.H. Teo, “Demographic and motivation variables associated with internet usage activities,” Internet Research, vol. 11, pp.125-137, 2001.

R. M. O'Brien, “A Caution Regarding Rules of Thumb for Variance Inflation Factors,” Quality and Quantity, vol. 41, pp.673-690, 2007.




How to Cite

Ruangkanjanases, A., & Sirikulprasert, N. (2018). Predicting Consumer Intention to Adopt Near Field Communication Enabled Mobile Payment in Thailand. Journal of Telecommunication, Electronic and Computer Engineering (JTEC), 10(2-7), 147–152. Retrieved from