Abstract
The goal of this paper is to identify the key factors that directly and indirectly influence customers' willingness to accept QR code payments. The proposed model was a hybrid of the TAM and UTAUT models. We surveyed citizens who have had relevant knowledge about QR code payment (potential customers) and are currently living and working in Ho Chi Minh City, with the official sample size being 505. By applying the exploratory factor analysis EFA, confirmatory factor analysis CFA, structural equation modeling SEM, we found that All hypotheses were accepted, as a result, factors impacting positively attitude towards adopting the QR code payment are organized from high to low: facilitating conditions, security, trust, perceived ease to use, and perceived usefulness. Moreover, customers’ intention to adopt the QR code payment was positively influenced by 2 factors are organized from high to low: personal innovativeness and attitude towards adopting the QR code payment. Finally, we also showed some managerial implications to help providers of the QR code payment increase customer’s intention to adopt the QR code payment.
