The Determinants Affecting The Continuance Intention To Use Qr Code Payment Service Among University Students In Ho Chi Minh City

Abstract

The goal of the study is to analyze the variables influencing students' intentions to utilize QR code payment services in Ho Chi Minh City. This study investigated factors includes perceived usefulness, perceived ease of use, social influence, perceived risk, trust and customer satisfaction affect the intention to continuance intention to adopt QR code payment service. The survey, which was administered to 344 students residing in and studying in Ho Chi Minh City between November 2023 and the end of December 2023, tested the hypotheses using SEM analysis and the Smart PLS application. The results indicate that while perceived usefulness, perceived ease of use, and trust have a positive impact on customer satisfaction, social influence and perceived usefulness have a positive influence on the intention to continue using QR code payment. Customer satisfaction is positively impacted by perceived usefulness, perceived simplicity of use, and trust. Additionally, customer satisfaction is negatively impacted by perceived risk. Additionally, this study reveals that the relationship between perceived usefulness and continuing intention is moderated by self-efficacy. Since then, suggestions have been made to encourage people in general and students in particular in Ho Chi Minh City to use payment services using QR codes. Additionally, this study adds to the body of knowledge on mobile payment services, gives insights into user behavior, and has significant ramifications for companies that provide mobile payment services that use QR codes.