Differences in Consumers' Intention to Use E-Payments in Large Cities and Small Provinces in Vietnam
Downloads
The main objective of this paper was to contribute to the general understanding of consumer intention for using E-payment. In particular, the study examines differences in consumer intention in large cities and small provinces. A total 170 customers in Tay Ninh province and 131 customers in Ho Chi Minh city participated in this study by responding to a structured questionnaire. The findings indicate that factors impacting consumer intention to use E-payment in big cities are effort expectancy, performance expectancy, social influence, user innovativeness, facilitating conditions. However, there is a slight difference that effort expectancy does not affect consumer intention to use E-payment in Tay Ninh province, instead it is the perceived risk factor. Therefore, E-payment service providers implement their development strategies.
Bollen, K. A. (1989). Structural Equations with Latent Variables. John Wiley & Son, Inc.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management science, 35(8):982-1003.
Junadi, S. (2015). A Model of Factors Influencing Consumer’s Intention To Use E-Payment System in Indonesia, Procedia Computer Science, 59:214-220.
Hirunyawipada, T. and Paswan, A.K. (2006). Consumer innovativeness and perceived risk: implications for high technology product adoption. Journal of Consumer Marketing, 23:182-198
Kabir, M.A, Saidin, S.Z and Ahmi, A. (2015). Adoption of e-Payment Systems: A Review of Literature. Proceedings of the International Conference on E-Commerce.
Kaur, K., & Pathak, A. (2015). E-Payment System on E-Commerce in India. Karamjeet Kaur International Journal of Engineering Research and Applications, 5(2):79-87
Le, V.P, Nguyen, H.N.L. and Dang, Q.T (2019). Factors affecting the intention to use fintech services in Vietnam. Economics, Management And Business (Ciemb 2019), 275-295
Nguyen, D.T and Huynh, A.P. (2017). Chất lượng dịch vụ và ảnh hưởng xã hội trong sự chấp nhận thanh toán điện tử, Tạp chí Phát triển Khoa học và Công nghệ, 20:72-80.
Phan, H.N., Tran, M.D., Hoang, V.H. and Dang, T.D. 2020. Determinants influencing customers' decision to use mobile payment services: The case of Vietnam. Management Science Letters, 10:2635-2646.
Venkatesh, V., Thong, J.Y.L., Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36:157-178
Zhang, T., Lu, C. and Kizildag, M. (2018). Banking “on-the-go”: examining consumers’ adoption of mobile banking services. International Journal of Quality and Service Sciences.10:279-295
