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| Variable | Code | Indicator | Reference |
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| User interface | IU1 | Every feature and function in X app is easy to understand | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| IU2 | The content in application X is arranged in such a way that it makes it easier for me to find out which menu I am currently accessing |
| IU3 | The amount of information displayed in app X is appropriate |
| IU4 | X app has a nice look |
| Content quality | CQ1 | X app provides reliable information | Kim et al. [30] |
| CQ2 | X app provides information that serves its purpose well |
| CQ3 | X app provides complete and concise information |
| CQ4 | X app provides the latest information |
| Prompt response | PR1 | X app provides reliable information | Shao, Li, Guo, and Zhang [6] |
| PR2 | Getting information from app X can be done quickly |
| PR3 | X app provides fast service to me |
| Security | SEC1 | X app implements security measures to protect all its users | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| SEC2 | X app has the ability to check the user’s identity for security purposes |
| SEC3 | X application shows great concern for the security of every transaction made by the user |
| SEC4 | X application has sufficient technical capabilities to ensure that hackers cannot modify the data I send |
| SEC5 | X application has sufficient technical capabilities to ensure that the data I send cannot be modified by hackers |
| Perceived usefulness | USE1 | I feel app X is useful for the investment I make | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| USE2 | X app helps me to transact faster |
| USE3 | X app helps me to invest more conveniently |
| Perceived enjoyment | ENJ1 | I love investing with the X app | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| ENJ2 | Investing with the X app brings me a lot of fun |
| ENJ3 | I enjoy investing in the X app |
| Perceived ease of use | EAS1 | Easy for X app to do what I want | Gao, Jiang, and& Tang [22] |
| EAS2 | X app is easy to use |
| EAS3 | My interaction with X app is clear and easy to understand |
| EAS4 | It’s easy for me to become an expert in investing using X app |
| Confirmation | CON1 | My experience investing in X app is better than my expectation | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| CON2 | The service provided by X app is better than my expectation |
| CON3 | Overall, most of my expectations from using the X app have been met |
| Satisfaction | SAT1 | I am satisfied with the services provided by the X application | Gao, Waechter, and Bai [20] |
| SAT2 | I feel happy with the services provided by the X app |
| SAT3 | My decision to use the X app was a wise decision |
| Trust | TRU1 | X app can be trusted | Gao, Waechter, and Bai [20] |
| TRU2 | X app can keep its promise |
| TRU3 | X application always pays attention to the interests of users |
| Continuance intention to use | INT1 | I intend to continue using the X app to invest in the future | Oghuma, Libaque-Saenz, Wong, and Chang [5] |
| INT2 | I expect to continue using the X app in the future |
| INT3 | If I can, I want to continue using the X app |
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