This study aims to identify the significant variables influencing commuters' intention to use the NFC tag payment system in the Marikina Heights UV Express Terminal.   Using theories such as Technology Acceptance Model (TAM) and Diffusion of Innovation (DOI), two key constructs - user constructs and DOI elements – were extracted to determine significant variables affecting commuters' intention toward the NFC tag payment system.   The study used survey research as the data collection method. It utilized Partial Least Squares Structural Equation Modeling (PLS-SEM) as the mode of data analysis to provide the significance and relationships of the identified variables from the research framework.   The PLS-SEM analysis revealed that Compatibility has the only significant effect on the intention to use, with a p-value of 0.032.

Furthermore, Observability also does not significantly affect the intention to use.   The model used was fit, having a Standard Root Mean Square Residual value of 0.073 and a Normed Fit Index (NFI) value of 0.811. The model is still acceptable but not good.   With this, further research may add more constructs besides the user constructions and DOI elements to improve the current model. Therefore, it is advised to add parameters on the latent variable to enhance the model.