This research  comprises three different approaches    to    consumer’s    adoption  of new technology-based  service  into  an  integrative  model. We use the basic framework of TAM and supplement technology readiness and perceived risk to the model to better address the consumer adoption context. The model  is  tested  with  data  from  343  web  surveys regarding  RFID  credit  card  adoption.  Results  show that  technology  readiness  and  perceived  risk  add  a significant  set  of  predictors  to  behavioral  intentions while perceived usefulness remain the primary driver of behavioral intentions.