• Joel James

As India’s digital payment landscape rapidly evolves, Near Field Communication (NFC)-based mobile payments stay underutilized despite their speed and convenience. This study investigates what drives Gen Z consumers in India to adopt NFC payment methods, focusing on three key factors: trust, perceived risk, and facilitating conditions. Using Partial Least Squares Structural Equation Modeling (PLS-SEM) on primary data gathered from 33 respondents aged 18–27, we analyze the influence of these factors on intention to use NFC payments and their actual usage behavior. The results indicate that trust and facilitating conditions significantly enhance users’ intention to adopt NFC, which in turn strongly predicts actual usage. Interestingly, perceived risk shows no significant impact, highlighting a possible shift in how younger users evaluate security in financial technologies. These findings offer actionable insights for fintech companies aiming to accelerate contactless payment adoption in India by focusing on trust-building and improving infrastructure rather than risk-mitigation messaging.

NFC Payments, Trust, Perceived Risk, Facilitating Conditions, Gen Z, PLS-SEM

"What Drives Gen Z to Tap and Pay? A Study on NFC Payment Adoption Using PLS-SEM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.a799-a808, July-2025, Available :http://www.jetir.org/papers/JETIR2507082.pdf

"What Drives Gen Z to Tap and Pay? A Study on NFC Payment Adoption Using PLS-SEM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. ppa799-a808, July-2025, Available at : http://www.jetir.org/papers/JETIR2507082.pdf