The TAM is well-established and widely applied to topics including e-payment and blockchain technology (Nuryyev et al., 2021). Initially, TAM implies that consumer adoption is determined by the intention to use a particular system, determined by the perceived usefulness and perceived ease of use of the technology (Nuryyev et al., 2021).
In addition, both are influenced by external variables, as shown in the figure above. As perceived security is a relevant factor for accepting new payment systems (Khalilzadeh et al., 2017), Nuryyev et al. (2021) add Security and Trust as external variables into the TAM to specifically analyze cryptocurrency payments acceptance.
Other researchers also use the TAM as a basis and add other external variables to their studied model. Mendoza-Tello et al. (2018) enhance their model with trust, risk and social influence. Arias-Oliva et al. (2019) also include risk and social influence while additionally considering performance expectancy and effort expectancy.
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