Authors - Thanh D. Nguyen, Anh T. N. Nguyen Abstract - This study examines how habitual behavior and users’ perceptions of security influence their intention to adopt and use e-wallet services. Building upon the original Technology Acceptance Model (TAM), the research integrates elements from both the Unified Theory of Acceptance and Use of Technology (UTAUT) and its extended version, UTAUT2. Data were collected from 265 valid respondents via an online survey and analyzed using reliability testing, exploratory factor analysis (EFA), confirmatory factor analysis (CFA), and structural equation modeling (SEM). The findings reveal that perceived security, general privacy concerns, and habit all positively affect the intention to adopt e-wallets. Further-more, this intention significantly influences actual usage behavior.
