An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam
F1000Research,
Journal Year:
2025,
Volume and Issue:
14, P. 127 - 127
Published: Jan. 27, 2025
Background
Digital
payment
systems
are
pivotal
in
the
digital
economy,
relying
on
interplay
between
internet
technology
and
e-vendors.
This
study
seeks
to
explore
acceptance
behaviors
regarding
payments
by
employing
an
extended
version
of
Trust
Technology
Acceptance
Model
(TAM)
incorporating
Theory
Planned
Behavior
(TPB).
Methods
We
conducted
a
qualitative
analysis
using
interview
data
from
509
respondents
applied
Structural
Equation
Modeling
(SEM)
evaluate
relationships
key
variables.
The
model
allows
for
comprehensive
examination
both
technological
trust-related
factors
influencing
adoption.
Results
Our
revealed
that
all
standardized
path
coefficients
were
positively
significant,
except
perceived
usefulness
(PU)
attitude
(ATT).
findings
confirm
while
primarily
driven
Internet
communication
technologies,
addressing
issues
is
essential
enhancing
user
TAM
identifies
ease
use,
alongside
trust,
as
critical
affecting
behavioral
intention.
In
TPB
framework,
trust
significantly
impacts
adoption
through
mediators
such
attitude,
control,
subjective
norm.
Conclusions
enhances
our
understanding
adoption,
emphasizing
need
address
issues.
insights
gained
provide
valuable
recommendations
increasing
use
systems,
particularly
Northern
mountainous
regions
Vietnam,
thereby
fostering
greater
financial
inclusion
economic
growth.
Language: Английский
An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam
F1000Research,
Journal Year:
2025,
Volume and Issue:
14, P. 127 - 127
Published: March 11, 2025
Background
Digital
payment
systems
are
pivotal
in
the
digital
economy,
relying
on
interplay
between
internet
technology
and
e-vendors.
While
Technology
Acceptance
Model
(TAM)
Theory
of
Planned
Behavior
(TPB)
have
been
extensively
used
to
explain
adoption,
role
trust
financial
adoption
remains
underexplored.
This
study
addresses
this
gap
by
developing
an
extended
Trust-TAM-TPB
model,
providing
a
comprehensive
framework
analyze
emerging
markets.
Methods
A
quantitative
approach
was
adopted,
analyzing
survey
data
from
509
respondents
using
Structural
Equation
Modeling
(SEM).
The
model
examines
both
technological
factors
(perceived
usefulness,
perceived
ease
use)
trust-related
(trust’s
influence
behavioral
intention
via
subjective
norms,
attitude,
control).
Results
Findings
confirm
that
is
significant
determinant
influencing
usefulness
norms.
However,
negative
relationship
found
(PU)
attitude
(ATT),
suggesting
while
users
recognize
benefits
payments,
their
attitudes
may
still
be
shaped
traditional
cash-based
habits
security
concerns.
These
insights
challenge
TAM
assumptions
emphasize
importance
driving
adoption.
Conclusions
contributes
acceptance
literature
integrating
into
TAM-TPB
highlighting
its
dual
shaping
intention.
Practically,
findings
suggest
policymakers
institutions
should
prioritize
trust-building
strategies,
including
fraud
prevention
measures,
literacy
programs,
transparent
transaction
policies,
accelerate
economies.
particularly
relevant
for
Vietnam’s
Northern
mountainous
regions,
where
penetration
low.
Language: Английский
An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam
F1000Research,
Journal Year:
2025,
Volume and Issue:
14, P. 127 - 127
Published: April 14, 2025
Background
Digital
payment
systems
are
pivotal
in
the
digital
economy,
relying
on
interplay
between
internet
technology
and
e-vendors.
While
Technology
Acceptance
Model
(TAM)
Theory
of
Planned
Behavior
(TPB)
have
been
extensively
used
to
explain
adoption,
role
trust
financial
adoption
remains
underexplored.
This
study
addresses
this
gap
by
developing
an
extended
Trust-TAM-TPB
model,
providing
a
comprehensive
framework
analyze
emerging
markets.
Methods
A
quantitative
approach
was
adopted,
analyzing
survey
data
from
509
respondents
using
Structural
Equation
Modeling
(SEM).
The
model
examines
both
technological
factors
(perceived
usefulness,
perceived
ease
use)
trust-related
(trust’s
influence
behavioral
intention
via
subjective
norms,
attitude,
control).
Results
Findings
confirm
that
is
significant
determinant
influencing
usefulness
norms.
However,
negative
relationship
found
(PU)
attitude
(ATT),
suggesting
while
users
recognize
benefits
payments,
their
attitudes
may
still
be
shaped
traditional
cash-based
habits
security
concerns.
These
insights
challenge
TAM
assumptions
emphasize
importance
driving
adoption.
Conclusions
contributes
acceptance
literature
integrating
into
TAM-TPB
highlighting
its
dual
shaping
intention.
Practically,
findings
suggest
policymakers
institutions
should
prioritize
trust-building
strategies,
including
fraud
prevention
measures,
literacy
programs,
transparent
transaction
policies,
accelerate
economies.
particularly
relevant
for
Vietnam’s
Northern
mountainous
regions,
where
penetration
low.
Language: Английский
How neighbor influence negatively affects digital payment adoption in Vietnam
Cogent Business & Management,
Journal Year:
2024,
Volume and Issue:
11(1)
Published: Nov. 28, 2024
This
study
aims
to
assess
the
impact
of
neighborhood
effects
(NEs)
on
adoption
digital
payments
(DP),
focusing
specifically
northern
mountainous
regions
Vietnam.
The
innovation
our
research
lies
in
integrating
UTAUT2
model
with
theory
herd
behavior
(THB).
By
analyzing
interview
data
from
427
respondents
using
structural
equation
modeling
(SEM),
we
discovered
that
NEs
exert
both
a
direct
negative
and
an
indirect
positive
influence
DP.
However,
overall
is
significantly
positive.
underscores
crucial
role
information
shared
by
relatives,
friends
colleagues
promoting
awareness
findings
highlight
importance
neighbors
enhancing
citizens'
usage
DP
their
daily
lives.
article
also
discusses
implications
suggests
directions
for
future
research.
Language: Английский