FACTORS AFFECTING PEOPLE’S E-WALLET USING INTENTION: A CASE STUDY OF BAC NINH PROVINCE

Abstract

E-wallet service is developing rapidly in major cities of Vietnam but has just deployed in some provinces and cities in the country. This study investigated the factors affecting the intention to use E-wallets of people in Bac Ninh province. The authors surveyed 287 people who have knowledge about E-wallets but have not yet used it, currently living and working in Bac Ninh province. The results showed that four factors affected the intention to use an individual’s E-wallet: Expected ease of use; Perceived reliability; Perceived cost; User community, in which Perceived reliability is the most influential factor. Based on the research results, the authors proposed some practical recommendations for E-wallet service providers to plan appropriate strategies to increase the number of E-wallet users.