The study looked at factors influencing people's decision to use easy payment systems for both major and small payments. They used a modified model based on technology acceptance theories and surveyed users who have used easy payment systems. The results showed that when making a major payment, factors like effort expectancy, social influence, and perceived risk affect the decision to use the system. However, performance expectancy did not have an impact. For small payments, effort expectancy and social influence were important, while performance expectancy and perceived risk were not. Perceived risk had a negative effect on adoption intention for major payments but not for small payments. Overall, intention to adopt was linked to actual usage behavior.