An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam DOI Creative Commons
Truong Tuan Linh, Nguyen Thi Thanh Huyen

F1000Research, Год журнала: 2025, Номер 14, С. 127 - 127

Опубликована: Апрель 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.

Язык: Английский

Will Big Data and AI Redefine Indonesia’s Financial Future? DOI
Kurniawan Arif Maspul,

Nugrahani Kartika Putri

Jurnal Bisnis dan Komunikasi Digital, Год журнала: 2025, Номер 2(2), С. 21 - 21

Опубликована: Фев. 14, 2025

The rapid integration of big data and artificial intelligence (AI) is fundamentally reshaping Indonesia’s financial sector, driving unprecedented efficiency, innovation, inclusion. As Southeast Asia’s largest digital economy, Indonesia has embraced fintech solutions that leverage predictive analytics, machine learning, automation to enhance risk management, streamline transactions, expand services previously underserved populations. This transformation aligns with global trends, yet it presents distinct regulatory, infrastructural, ethical challenges. Drawing from Schumpeter’s Innovation Theory, Information Asymmetry Transaction Cost Economics, this study explores how AI redefine operations, improve decision-making, reduce market inefficiencies in the Indonesian banking ecosystem. Utilizing a qualitative phenomenological approach, research synthesizes insights industry experts, regulatory bodies, analysts assess implications data-driven strategies. Findings reveal while optimizes assessment, fraud detection, customer segmentation, hurdles, cybersecurity risks, literacy gaps remain key barriers sustainable adoption. continues its trajectory toward data-centric infrastructure, balancing technological advancement prudence will be critical shaping an inclusive resilient future. contributes ongoing discourse on intersection digitalization, economic policy, deployment emerging markets.

Язык: Английский

Процитировано

0
An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam DOI Creative Commons
Truong Tuan Linh, Nguyen Thi Thanh Huyen

F1000Research, Год журнала: 2025, Номер 14, С. 127 - 127

Опубликована: Март 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.

Язык: Английский

Процитировано

0
An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam DOI Creative Commons
Truong Tuan Linh, Nguyen Thi Thanh Huyen

F1000Research, Год журнала: 2025, Номер 14, С. 127 - 127

Опубликована: Апрель 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.

Язык: Английский

Процитировано

0