Background Digital payment systems are pivotal in the digital economy, relying on the interplay between internet technology and e-vendors. This study seeks to explore acceptance behaviors regarding digital payments by employing an extended version of the Trust and Technology Acceptance Model (TAM) and incorporating the Theory of Planned Behavior (TPB). Methods We conducted a qualitative analysis using interview data from 509 respondents and applied Structural Equation Modeling (SEM) to evaluate the relationships between key variables. The extended model allows for a comprehensive examination of both technological and trust-related factors influencing adoption. Results Our analysis revealed that all standardized path coefficients were positively significant, except for the path from perceived usefulness (PU) to attitude (ATT). The findings confirm that while digital payments are primarily driven by Internet and communication technologies, addressing trust-related issues is essential for enhancing user adoption. The TAM identifies perceived usefulness and perceived ease of use, alongside trust, as critical factors affecting behavioral intention. In the TPB framework, trust significantly impacts digital payment adoption through mediators such as attitude, perceived behavioral control, and subjective norm. Conclusions This study enhances our understanding of the factors influencing digital payment adoption, emphasizing the need to address both technological and trust issues. The insights gained provide valuable recommendations for increasing the use of digital payment systems, particularly in the Northern mountainous regions of Vietnam, thereby fostering greater financial inclusion and economic growth.
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