... fast and strong development of information technology and telecom, Vietnam Prime Minister signed Decision No. 2453/QD-TTg approved the project to promote non-cash payment period 201 2-2 015, in ... technology solutions: browser-based applications, messaging-based applications and client-based applications (Kim et al., 2009; Tiwari & Buse, 2007, p. 84). The browser-based application is essentially ... According to Lei-da Chen (Associate Professor, Creighton University Omaha) Europe and Asia have seen an increasing acceptance of m-payment, but in the US, the potential of m-payment is still...