Extension of Trust and Technology Acceptance Model with Theory of Planned Behavior in the Adoption of Digital Payment: An Empirical Study in Vietnam, 2023-2024

Electronic payment (e-payment), also referred to as online payment, has become a widely adopted transaction model across numerous countries. In many regions, the reliance on cash has significantly diminished as individuals increasingly utilize electronic devices such as smartphones and computers to perform financial transactions over the Internet. E-payment systems enable users to carry out a variety of operations, including depositing, transferring, and withdrawing funds. These transactions are often completed swiftly, enhancing efficiency and saving time for users. In developed countries worldwide, electronic payment has emerged as a predominant payment method, accounting for over 90% of daily individual transactions. Aligned with global development trends, e-payments in Vietnam emerged in 2008 and have since experienced significant growth. The Vietnamese government has implemented various programs, projects, and initiatives to promote the development of e-payments, such as the "National Strategy for the Development of Digital Economy and Digital Society to 2025, orientation to 2030" and the "Project on Development of Non-cash Payment in Vietnam in the 2021-2025 period"... However, e-payments in our country still face numerous challenges, especially in the highlands and mountainous regions, where education is low, technological infrastructure is underdeveloped, and cash payment rates remain very high... Therefore, this study aims to achieve the main objectives: Identify and analyze factors affecting the use of e-payment methods in household consumption in the Northern Mountainous region of Vietnam.

The project aims to achieve the following specific objectives: - Evaluate the current status of electronic payment methods in Vietnam in general and in the Northern Mountainous region in particular. - Identify and analyze the impact of various factors on the use of electronic payment methods in household consumption.