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                     nên có

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                                                                      khác





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                      3.  DecisionLab. "E-wallet in Vietnam: Solving the user (dis)loyalty puzzle." October 2021.
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                      4.  Bhattacherjee. "Understanding information systems continuance: An expectation-confirma-
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                      5.  Olsen, Cameron. "Is contactless payment a reality for the retail industry." Card Technology
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                      6.  Hidayati, Siti, et al. "Operasional e-money." Bank Indonesia 15 (2006).
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                      8.  Karim, Md Wasiul, et al. "Factors influencing the use of E-wallet as a payment method
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                      9.  Teoh Teng Tenk, Melissa, Hoo Chin Yew, and Lee Teck Heang. "E-wallet Adoption: A case
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                     CITA 2023                                                   ISBN: 978-604-80-8083-9
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