2. Literature Review
2.1. Fintech and SMP
2.2. User Satisfaction
2.4. Perceived Enjoyment (PE)
2.5. Perceived Security (PS)
2.6. Perceived Ubiquity (PUB)
4.2. Model Fit
4.3. Hypothesis Tests
4.4. Total Effects
5. Discussion and Conclusions
5.1. Theoretical Implications
5.2. Practical Implications
5.3. Limitations and Future Research
Conflicts of Interest
usefulness (PU) 
|1. I think that KakaoPay is useful in my daily life.|
2. I think that KakaoPay is a useful mode of payment.
3. KakaoPay helps me to conveniently conduct payment transactions.
|Perceived ease of use (PEU) ||1. Using KakaoPay does not require much effort. |
2. It is easy for me to become skillful at using KakaoPay.
3. I think it is easy to interact with KakaoPay.
enjoyment (PE) 
|1. I enjoy using KakaoPay.|
2. Using KakaoPay gives me much enjoyment.
3. Interacting with KakaoPay is fun.
security (PS) 
|1. KakaoPay can be protected against unauthorized access. |
2. Overall, I think KakaoPay is secure.
ubiquity (PUB) 
|1. I can use KakaoPay from anywhere.|
2. I can use KakaoPay at any time.
3. I can use KakaoPay anytime and anywhere.
|Satisfaction [59,60]||1. Overall, I am satisfied with KakaoPay.|
2. I am pleased with my experience of using KakaoPay.
|1. I intend to use KakaoPay.|
2. I will reuse KakaoPay in the future.
3. I intend to frequently use KakaoPay in the future.
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|Constructs||Items||Cronbach’s Alpha||Factor Loading||Average Variance Extracted||Composite Reliability|
|Perceived ease of use (PEU)||PEU1||0.878||0.792||0.714||0.882|
|Perceived enjoyment (PE)||PE1||0.916||0.777||0.795||0.920|
|7. Continuance intention||0.718||0.653||0.416||0.460||0.557||0.798||0.916|
|Indices||Measurement Model||Structural Model||Recommendation|
|Comparative fit indices||0.969||0.961||>0.9|
|Normed fit indices||0.933||0.922||>0.9|
|Root mean square error of approximation||0.062||0.067||<0.08|
|Incremental fit indices||0.969||0.961||>0.9|
|Factors||Direct Effect||Indirect Effect||Total Effect|
|Perceived usefulness (PU)||-||0.534||0.534|
|Perceived ease of use (PEU)||-||0.441||0.441|
|Perceived security (PS)||-||0.216||0.216|
|Perceived enjoyment (PE)||-||0.124||0.124|
|Perceived ubiquity (PUB)||-||0.475||0.475|
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