## 2 Literature Review
### Technology Acceptance Model  
Technology acceptance model (TAM) emerged from [PERSON]'s theory of reasoned actions (TRA) [27]. According to TRA, one oftentimes logically and systematically deals with relevant information, and his/her actions are determined by a conscious behavioral intention to enact. Behavioral intentions are jointly determined by individual attitudes and subjective norms according to relative weights, and a person's attitude toward an action is determined by the main beliefs about the consequences of performing the action and the evaluation of those consequences. A person's subjective norms depend on normative beliefs and motives for compliance. Subjective norm represents the approval or disapproval of the behavior by important persons who influence the party and affects the party's cognition. Attitude refers to an individual's positive and negative emotions towards a specific behavior, and behavioral intentions reflect the individual's willingness to behave in a certain way [27]. [PERSON] (1989) used the causal relationship of the TRA theory to explain the behavior of individuals accepting information technology and developed the technology acceptance model [19,20]. TAM shows that the perceived usefulness of information technology and the perceived ease of use are the two main determinants of the behavioral intention to use. [PERSON] believed that perceived usefulness was a person's belief that using it would improve their job performance, while perceived ease of use refers to a person's use it with minimal efforts. Ease of use cognition also positively affects usefulness cognition, which indirectly affects use intention. Therefore, usefulness cognition is the main factor affecting the intention to use, and easy-to-use cognition is the secondary factor. The relationship between these external variables (perceived usefulness, perceived ease of use, attitude toward using, behavioral intention to use and actual usage) is shown in Figure 1 below. TAM can explain the user's acceptance behavior of using information technology from the perspective of users' internal cognition. It is one of the most commonly used theoretical models to study users' technology acceptance. The main purpose of the TAM is to provide a basis for providing a general explanation for the determinants of user acceptance of technology products. This theory points out that the performance of human behavior is determined by the individual's behavioral intention, and the behavioral intention is affected by the individual's attitude toward behavior and subjective standards [25]. TAM has been applied to the study of the use behavior of e-mail systems and editing software and established a questionnaire about perceived usefulness and perceived ease of use. The results of this study found that perceived usefulness and perceived ease of use had a positive impact on behavioral intention, and perceived usefulness had a stronger impact on use behavior than perceived ease of use. [PERSON] and [PERSON] (2019) used TAM to explore consumer attitude and intention to adopt the mobile wallet in India, their study found that factors like perceived ease of use, perceived usefulness, trust, security, facilitating conditions and lifestyle compatibility have a significant impact on the consumer attitude  
Figure 1: The structure of TAM (drawn via this research by referencing [PERSON]’s (1989) Technology Acceptance Model) [19,20]. and intention to use mobile wallets [28]. [PERSON] and [PERSON] (2021) used the technology acceptance model to study the application of mobile wallets in Saudi Arabia, they found that perceived usefulness, perceived ease of use, lifestyle compatibility, and facilitating conditions are direct predictors of user behavior in accepting mobile wallet payments [29]. Therefore, users' perceived ease of use towards information technology positively affects their behavioral intentions.