SỐ 190+191 | THÁNG 01+02/2022
Ảnh hưởng của ví điện tử đến thói quen tiêu dùng tại Thành phố Hồ Chí Minh
Trần Nguyễn Minh Hải, Nguyễn Ngọc Bảo Phương, Ngô Thị Thu Anh, Nguyễn Thu Trang, Vũ Ngọc Tùng
Tóm tắt:
Nghiên cứu phân tích ảnh hưởng của ví điện tử (VĐT) đến thói quen tiêu dùng của người dân sinh sống tại Thành phố Hồ Chí Minh (TP.HCM). Nghiên cứu sử dụng số liệu sơ cấp thông qua khảo sát bằng bảng câu hỏi theo thang đo Likert 5 mức độ đối với 482 người dùng. Kết quả phân tích nhân tố khám phá chỉ ra sáu yếu tố then chốt ảnh hưởng tích cực đến thói quen tiêu dùng của người dân tại TP.HCM, bao gồm: (i) Kỳ vọng sản phẩm; (ii) Khả năng sử dụng công nghệ; (iii) Ảnh hưởng xã hội; (iv) Tính bảo mật; (v) Tính hữu ích; và (vi) Đa dạng dịch vụ. Nghiên cứu cũng cho thấy sự khác biệt về thói quen sử dụng VĐT theo độ tuổi; theo đó, nhóm tuổi từ 25-32 có thói quen sử dụng VĐT cao hơn các nhóm tuổi còn lại. Trên cơ sở đó, nghiên cứu đã đề xuất các khuyến nghị nhằm khuyến khích người dân tại TP.HCM sử dụng VĐT nói riêng, thanh toán không dùng tiền mặt nói chung.
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Effects of E-Wallets on Consumer Behavior in Ho Chi Minh City
Abstract:
This study was conducted to investigate the various factors that influencing e-wallet on consumer behavior of people currently staying/living in Ho Chi Minh City (HCMC). By using primary data through questionnaire survey with 5-point Likert scale for 482 users, the results show that six key factors were found in positively influencing the consumers’ behaviors, including (i) services expectancy; (ii) mobile payment knowledge; (iii) social influence; (iv) perceived trust; (v) perceived usefulness; and (vi) variety of services. The study also shows a difference in the habits of using e-wallets by age; accordingly, the age group from 25-32 has a higher habit level of using E-wallets than the rest of the age groups. Based on what we have learned from the study, it is meaningful for us to propose recommendations by encouraging people to use e-wallets as a means of non-cash transactions to meet their diverse purposes.