Smart Card-Based Electronic Payment Systems and Retailing in HO CHI MINH City

This study focuses on determining the impacts of some factors to the usage behaviors of smart card-based electronic payment systems for retail operations in the locality of Ho Chi Minh City. Based on a research sample of 333 consumers in Ho Chi Minh City, some statistical methods for reliability assessment, such as Cronbach’s Alpha, Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA) and Structural Equation Modeling (SEM), have been used for analysis. The research results are shown that these factors, including Relative Advantage, Compatibility, Previous Experience, and Social Influence have directly and positively affected to Perceived Usefulness. Additionally, Perceived Usefulness has a direct and positive impact on the Usage Behavior in smart card-based electronic payment systems in retail operations in the locality of Ho Chi Minh City.