THE IMPACTS OF PERCEIVED RISK ON E-WALLET USAGE INTENTION OF OFFICE STAFF IN HO CHI MINH CITY

Abstract

This study was conducted to investigate the relationships of perceived risk, the dimensions in the unified theory of acceptance and use of technology 2 (UTAUT2) and behavioralintention to use e-wallet. Data was collected from 275 office staffs working in Ho Chi Minh City. The research findings indicated that: (1) the variable, namely social influence, was rejected in exploratory factor analysis (EFA); (2) Perceived risk has impacts on UTAUT2’s six dimensions (performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, price value and habit) and behavioral intention; (3) Unexpectedly, only four variables in UTAUT2 have effects on behavioral intention; facilitating conditions and hedonic motivation were found to have no influence on intention to use e-wallets of office workers in Ho Chi Minh City