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H5: Trust in service providers has a positive effect on consumers’ intention to use
digital payments in Hanoi.
H6: Perceived value has a positive effect on consumers’ intention to use digital
payments in Hanoi.
The research model is presented below:

Figure 1. Research model
Source: Author
3. Research methodology
This study employs a quantitative research approach to examine the model of
factors influencing consumers’ intention to use digital payments in Hanoi. This approach
enables the measurement of relationships among variables using statistical analysis
techniques, thereby allowing for objective and empirical testing of the research
hypotheses.
Data were collected through a structured questionnaire, which was developed
based on validated measurement scales from prior studies on technology acceptance,
notably the Technology Acceptance Model (TAM) proposed by Davis (1989) and the
Unified Theory of Acceptance and Use of Technology (UTAUT) developed by Venkatesh et
al. (2003). These scales were subsequently adapted to fit the context of digital payments
in Vietnam.
The target population consists of consumers aged 18 and above who are currently
residing in Hanoi and have used at least one form of digital payment (e.g., e-wallets, bank
transfers, QR code payments). The study adopts a convenience sampling method
combined with a snowball sampling technique, in which initial respondents were
approached and then asked to refer to additional participants who meet the study criteria.
This approach is appropriate for online survey conditions and helps expand the reach of
the sample (Creswell & Creswell, 2017).

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