Title: The factors influence intention to use QR code payment: the mediating effect of trust

Authors: Le Thi Minh Hien; Ha Thi Thanh Thuong; Vu Thu Hoa; Pham Thi Thu Thao; Dang Tran Sy Hoang; Truong Thi Thuy Duong

Addresses: Banking Academy of Vietnam, Hanoi, Vietnam ' Banking Academy of Vietnam, Hanoi, Vietnam ' Banking Academy of Vietnam, Hanoi, Vietnam ' Banking Academy of Vietnam, Hanoi, Vietnam ' Banking Academy of Vietnam, Hanoi, Vietnam ' Banking Academy of Vietnam, Hanoi, Vietnam

Abstract: During COVID-19 pandemic period, people are restricted of using cash in purchases and transactions. Using mobile payment, especially QR codes in many transactions has become more popular in daily life. Most studies consider directly effects of factor on intention to use, few ones look at the role of trust as mediating variable to intention to use. This study aims to consider the factors boosting the intention to use QR code for payment using trust as a mediating factor. The empirical result gained by the survey on 597 students, who can spread technological trends in the community, studying and living in Hanoi, Vietnam in the period from December 2022 to March 2023. The hypotheses tested by the PLSmart showed that trust positively affects intention to use, while the social influence, cash habit, perceived ease of use and perceived risk have a positive effect on trust.

Keywords: intention to use; perceived ease of use; QR code payment; social influence; trust; retailing industry.

DOI: 10.1504/IJPM.2025.146751

International Journal of Procurement Management, 2025 Vol.23 No.3, pp.324 - 345

Received: 21 Feb 2024
Accepted: 03 Mar 2024
Published online: 16 Jun 2025 *

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