With the development of IT, e-commerce and international trade, e-payment becomes an indispensable payment trend in a modern society. E-payment has been developed and introduced in many developed countries for a long time, but it is still the phase of developing in Vietnam. E-payment in Vietnam has been applied for more than 10 years, marking a significant development in recent years, in which personal innovativeness should be mentioned as an impulse factor. Therefore, the primary purpose of this study is to examine the factors affecting to the adoption of e-payment using in Vietnam and use personal innovativeness as a moderator to those relationships.
The study based on the Technology Acceptance Model (TAM) with two important factors: perceived ease of use and perceived usefulness, along with two other factors: perceived risk and information on e-payment system, and those factors are predicted to have huge impact on the e-payment adoption in Vietnam. The study uses a quality approach to survey 370 Vietnamese users in two main cities Hanoi and Ho Chi Minh. The results support almost hypotheses, however, the role of personal innovativeness as a moderator does not clearly, but it defines that personal innovativeness in IT tends to effect directly on e-payment use more than moderator effect that is out of our predicted. This study exploits and analysis the process of e-payment adoption in Vietnam, a developing country case. We expect to provide bankers and government with more information about the adoption of e-payment in Vietnam. Discussions and suggestion are explained the results in research and practice.

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