Differences in Consumers' Intention to Use E-Payments in Large Cities and Small Provinces in Vietnam

Abstract

The main objective of this paper was to contribute to the general understanding of consumer intention for using E-payment. In particular, the study examines differences in consumer intention in large cities and small provinces. A total 170 customers in Tay Ninh province and 131 customers in Ho Chi Minh city participated in this study by responding to a structured questionnaire. The findings indicate that factors impacting consumer intention to use E-payment in big cities are effort expectancy, performance expectancy, social influence, user innovativeness, facilitating conditions. However, there is a slight difference that effort expectancy does not affect consumer intention to use E-payment in Tay Ninh province, instead it is the perceived risk factor. Therefore, E-payment service providers implement their development strategies.