The purpose of this study is to determine the factors that influence the adoption behavior of NFC-based mobile payment. In exploring these factors, referring to the dual factor concept, this study enhances previous studies by integrating consumer intentions to adopt and resistance to adopt innovation in a research model. The research model was tested empirically using structural equation modeling (SEM) on data collected from 300 people targeting the market for NFC-based mobile payment products in Indonesia. Indonesia, which has the world’s fourth-largest population, the second largest number of cash transactions in the world, and cellular phone penetration rates and unbanked bankable numbers that are still very high, is a promising market share for NFC-based mobile payment. Amid these conditions, the rate of adoption of NFC-based mobile payments in Indonesia is not yet satisfactory. From the results of empirical testing it is known that the behavior in adopting NFC-based mobile payment is influenced by consumers’ intention to adopt, and resistance to adopt innovation. In addition to influencing innovation adoption behavior, consumer resistance to adopt innovation also influences consumer intentions to adopt the innovation. The consumer had perceptions that NFC-based mobile payment has advantages over existing innovations, by lifestyle and needs and are easy to use also need to be considered because it is proven to affect consumer intention to adopt NFC-based mobile payment. © IJSTR 2020.