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Users’ adoption intention to use wealth tech services : toward an insight into users in Ha Noi and Ho Chi Minh City during Covid-19 and beyond

Le Ha Anh, Do Phuong Thanh, Vu Thu Ha, Nguyen Huong Ly, Trinh Ngoc Tam Anh, Tran Thi Bich Hanh

Annals of Computer Science and Information Systems

2022

Vol. 34

131--137

This paper seeks to identify and evaluate the factors influencing the adoption of Wealth Tech services in Hanoi and Ho Chi Minh to provide insights into the intention of Vietnamese users to use Wealth Tech services post-Covid-19. This study proposes an integrated model of Technology Acceptance Model 2 (TAM 2) and Unified Theory of Acceptance and Utilize of Technology 2 (UTAUT2), which incorporates determinants such as Intention to Use (IU), Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Government Support (GS), Financial Health (FH), Financial Literacy (FL), Perceived Risks (PR), and Brand Image (BI). The results of an online survey of 157 Vietnamese users reveal substantial connections between Performance Expectation (PE), Effort Expectation (EE), Social Influence (SI), Government Support (GS), Financial Health (FH), and Brand Image (BI) and the intention of users to use Wealth Tech services. However, the impacts of Perceived Risks (PE) and Financial Literacy (FL) are not statistically significant. A regression analysis was performed on two sample groups, current and future users. This study contributes to the literature by incorporating models to explore Vietnamese users' intention to use Wealth Tech services. In addition, the findings offer Vietnamese Wealthech service providers fresh insights for thriving in this uncertain world. Further research is suggested to examine the adoption model of Wealth Tech services.