Exploring E-Payment Adoption in Vietnam and Taiwan
The purpose of this paper is to analyze how related factors influence customers' e-payment adoption in Vietnam and Taiwan. A conceptual model is proposed with four factors: perceived ease of use, perceived usefulness (from technology acceptance model), perceived risk and information, which impact e-payment use. Beyond these factors, the adaptor's personal innovativeness in technology is used as a key moderator. The sample consists of 676 Vietnamese and Taiwanese banking services users accessed through a survey. Results confirm the effects of the above determinants on customers' choices for e-payment use and reveal the role of personal innovativeness as a moderator. Practical guidelines are provided to bank managers on how to push up the process of adopting or adapting technology in new market. A comparison between Vietnamese and Taiwanese customers' perception brings a valuable reflection for investors or managers when targeting Vietnam or Taiwan market.