The purpose of this project is to investigate the effects of various consumer factors on the acceptance of mobile payments.We focus on the proximity mobile payment,which is made feasible by a relatively new short-range wireless technology,near field communications(NFC).Specifically,we build an acceptance model based on existing theories and models,including Technology Acceptance Model(Davis,1989),Technology Readiness Model(e.g.,Innovativeness and insecurity)(Parasurama,2000),Technology Characteristics(e.g.,responsiveness and smartness)and Network Externalities(e.g.,number of peers)(Katz & Shapiro,1985).These models reflect the cognitive and social factors that consumers may consider in their adoption decisions.In addition,emotional factors consisting of feelings and self-images are included in the model.Nineteen hypotheses are established within our research model.Data were collected from 372 non-users of NFC mobile payments in the U.S.via an online survey.Each construct was measured with multiple items using 7-point Likertscales.The research model was analyzed using the structural equation modeling(SEM).The results showed that a good amount of variance in intention to adopt was explained by the model,R2 = 0.28.TAM factors explain 29#of the variance in relative advantage.Technology readiness model explains 32#of the variance in perceived ease of use.Technological characteristics explain 39#of the variance in perceived usefulness.And network externalities explain 25#of variance in subjective norms.Twelve hypotheses were supported,suggesting consumersintention to adopt NFC mobile payments is largely driven by cognitive factors,namely perceived usefulness and relative advantage.The three technological characteristics/factors predict perceived usefulness of NFC mobile payments.Social and emotional factors are found not to influence the intention to adopt NFC mobile payments.Our project contributes to the ongoing consumer research on adoption and use of new technologies.The significance of this project is two-folded.First,this project is among the first effort in studying NFC mobile payments and its adoption and use(e.g.,Apanasevic et al.,2016; Chen & Li,2017; Shin & Lee,2014; Staykova & Damsgaard,2016).It tests and validates the existing theories and models in yet another new technology field-NFC mobile payments.Second,important consumer factors such as perceived relative advantage and its various antecedents(e.g.,technology responsiveness and smartness)will help both mobile service providers and retailers design and implement programs that promote the adoption of NFC mobile payments.