Empowering tomorrow : unleashing the power of e-wallets with adoption readiness, personal innovativeness, and perceived risk to client's intention

This research delves into the factors influencing the adoption of e-wallets among users in Vietnam through quantitative analysis utilizing SmartPLS software. Although one hypothesis received only partial support, the remaining three out of four hypotheses were fully supported. The research focuses on individuals utilizing e-wallets in Vietnam, providing novel insights into factors shaping usage behavior. The findings contribute to our understanding of e-wallet adoption dynamics and offer empirical evidence for model consistency across different consumer groups. Moreover, the study clarifies the impacts on the behavior of current e-wallet users and provides valuable insights for potential adopters, addressing their concerns and usage purposes comprehensively. Additionally, it emphasizes the importance for businesses to understand consumer needs and concerns, facilitating a clear understanding for users as they navigate e-wallet usage. Overall, the research aims to foster development and ensure safety in the digital transformation era, benefiting users and businesses in Vietnam and globally.