Factors influencing the usage of cashless payment services among the Gen Z generation in Vietnam

In the digital era, this thesis rigorously examines the factors that sway Generation Z's adoption of cashless payment systems in Vietnam. It aims to discern the determinants shaping this demographic's propensity towards such financial technologies and to devise a theoretical model that can elevate their acceptance rate. The research adopted a meticulous methodological framework, integrating both qualitative and quantitative data collection techniques. This was exemplified by a survey that produced 310 responses, providing a solid empirical basis to validate the proposed model. The scope of the study involved a critical analysis of literature pertaining to cashless transactions and Gen Z consumer patterns, with a focus on authoritative sources from 2000 to the current day. The quantitative data from the survey yielded insights into the attitudes and behaviors of Gen Z towards cashless payments in Vietnam. In conducting this research, the investigator's skills were significantly sharpened, particularly in the realms of literature selection, data amalgamation, and analytical deduction. These enhanced capabilities led to the development of a theoretically robust and empirically substantiated research model.

数字时代背景下，本论文严谨探析了影响越南Z世代(Generation Z)采用无现金支付系统的各类因素。本研究旨在明确塑造该群体对这类金融科技接受倾向的关键决定因素，并构建可提升其接受率的理论模型。本研究采用了严谨细致的方法框架，整合了定性与定量两类数据采集技术，其中一项回收310份有效问卷的调查即为典型例证，为验证所提出的理论模型提供了坚实的实证基础。本研究的研究范围涵盖对无现金交易与Z世代消费模式相关文献的批判性分析，重点选取2000年至今的权威文献来源。本次调查所得的定量数据，为揭示越南Z世代对无现金支付的态度与行为特征提供了重要洞见。在本研究开展过程中，研究者的多项技能得到显著提升，尤其在文献遴选、数据整合与分析推演领域。这些能力的提升助力构建了兼具理论严谨性与实证支撑性的研究模型。