Abstract

Mobile wallet (M-wallet), as an innovative alternative payment, is trendy in developed economies because it provides users with the ease, safety, and fast completion of daily financial activities. However, M-wallets have still been seen in the infancy stage in Vietnam. Therefore, the study aims to discover the main factors shaping behavioral intention to use mobile wallets in Vietnam. The extended version of the Technology Acceptance Model (TAM) with perceived enjoyment and trust was considered as a theoretical foundation for this study. The primary empirical data from 332 respondents were analyzed using structural equation modeling (SEM). Perceived ease of use, perceived usefulness, and enjoyment have positive and significant impacts on behavioral intention to use M-wallets, whereas trust showing no direct effect.

摘要

移动钱包（M-wallet）作为一种创新的替代支付方式，在发达经济体中非常流行，因为它为用户提供了轻松，安全和快速完成日常金融活动的功能。但是，在越南的婴儿期仍可以看到M钱包。因此，本研究旨在发现影响越南使用手机钱包行为意图的主要因素。具有感知的享受和信任的技术接受模型（TAM）的扩展版本被认为是该研究的理论基础。使用结构方程模型（SEM）分析了来自332位受访者的主要经验数据。感知的易用性，感知的有用性和娱乐性对使用M钱包的行为意图产生积极而重大的影响，而信任并没有表现出直接的影响。