Số No.04 (35) 2025 (35)-2025 Journal of Finance & Accounting Research - Trang 124

Tóm tắt tiếng Việt:

English Summary:

This paper provides a comprehensive theoretical overview of electronic payment (e-payment) adoption, drawing on established technology acceptance models such as the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT, including UTAUT2). It synthesizes findings from various empirical studies on factors influencing consumer intention and actual usage of e-payment services across diverse contexts and geographies. Key determinants examined include perceived usefulness, perceived ease of use, social influence, facilitating conditions, hedonic motivation, price value, habit, trust, and perceived risk. While acknowledging the general benefits and challenges of e-payment, this paper also discusses potential implications for retail chains seeking to implement effective e-payment solutions. Specifically, it considers these general findings in the hypothetical context of Viettel Store. It is important to note that the provided source materials do not contain specific information regarding Viettel Store, thus the discussion on its behalf is illustrative and based solely on the generalized insights derived from the literature on e-payment adoption.

Từ khóa: electronic payment, technology acceptance model (TAM), unified theory of acceptance and use of technology (UTAUT), perceived usefulness, perceived ease of use, social influence, trust, perceived risk, retail chains, Viettel Store.

Số lượt đọc: 8 - Số lượt tải về: 6

DOI Code: https://doi.org/10.71374/jfar.v25.i4.25