Investigating Mobile Payment Adoption During and After the COVID-19 Pandemic in Vietnam: An Imperative Analysis

This study investigates the adoption of mobile payment services during and after the COVID-19 pandemic in Vietnam, aiming to provide insights into the evolving landscape of digital transactions. Through surveys, interviews, and analysis of secondary data, the study examines adoption trends, demographic patterns, drivers, challenges, and future outlooks regarding mobile payment usage. Findings indicate a significant increase in adoption during the pandemic, driven by convenience, security, and promotional incentives. However, concerns over security and privacy persist, particularly among older demographics and rural populations. Recommendations include enhancing security measures, addressing demographic disparities, and fostering collaboration between stakeholders to promote sustainable adoption. Overall, this study contributes to understanding the dynamics of mobile payment adoption in Vietnam and provides actionable insights for stakeholders navigating the post-pandemic digital economy.