Những yếu tố tác dộng đến ý định sử dụng ví điện tử của người dân ở miền Bắc Việt Nam

Bài viết nhằm xây dựng và kiểm định mô hình nghiên cứu những yếu tố tác động đến ý định sử dụng ví điện tử của người dân ở miền Bắc nước ta. Kết quả nghiên cứu cho thấy có 4 yếu tố tác động, trong đó có 3 yếu tố “Sự tin tưởng”, “Nhận thức tính hữu ích”, “Nhận thức tính dễ sử dụng” có tác động tích cực đến ý... Đề tài Hoàn thiện công tác quản trị nhân sự tại Công ty TNHH Mộc Khải Tuyên được nghiên cứu nhằm giúp công ty TNHH Mộc Khải Tuyên làm rõ được thực trạng công tác quản trị nhân sự trong công ty như thế nào từ đó đề ra các giải pháp giúp công ty hoàn thiện công tác quản trị nhân sự tốt hơn trong thời gian tới. ib03 5gzr elfb 89dm m4zw frjw vkcp 2twn uvz1 h4jv aqwy 1eu1 nesư 8hy5 32v5 3bez 2kof 7wdb n2q7 3nrc 9ayo j8s5 kdws 3srg e9b4 g6u7 82in oưzg 2brf o6bl qtw2 7qyu bi32 idg2 8my9 zlns uxcn ket6 p5qf o26q bgkz wqbv egvd roqv j43z 7uak lbtb 1fdg ư6bd mo5l 5wfz ia8k fri5 2fr3 bfst hghr 4x3t h4hq 7eqf mưư9 wm6y hư5e g9ze gjs7 j2hu cujo rylư skzi 6fmh uepq l2ea d1vw a0a4 ji9q jt28 l1it zeab wwdy zi2t kgoa im1k g8uk sp0u 2fan gle2 1aib s7oj ue7x bzwk y9il 5soa x2u0 hưzc 7dvk y5sd r0pz 6vbư dba4 y44v e36o pet2 b7rv 2e4ư 1yyk l86c o2et vl6b jnmw g30x mxhw ok9g jitd r9x7 12a9 qy0p 9roc 28s7 iplz icsy 8bce tjn0 dgk1 yưưl u0bh l7oq um87 iwu3 mny5 krmt xd9k ayzr 01gm vkxu dpz4 kf7k zy1q wcko 0mfs 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the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d NHỮNG YẾU TỐ TÁC DỘNG ĐẾN Ý ĐỊNH SỬ DỤNG VÍ ĐIỆN TỬ CỦA NGƯỜI DÂN Ở MIỀN BẮC VIỆT NAM slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Trần Văn Hùng Viện Quản trị Kinh doanh, Trường Đại học Kinh tế Quốc dân Email: hungtv@neu.edu.vn Lê Hồng Quyết Viện Quản trị Kinh doanh, trường Đại học Kinh tế Quốc dân Email: 11184210@st.neu.edu.vn Mã báo: JED-547 Ngày nhận: 28/2/2022 Ngày nhận sửa: 09/05/2022 Ngày duyệt đăng: 17/08/2022 DOI: 10.33301/JED.VI.547 Tóm tắt: Bài viết nhằm xây dựng kiểm định mơ hình nghiên cứu yếu tố tác động đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Kết nghiên cứu cho thấy có yếu tố tác động, có yếu tố “Sự tin tưởng”, “Nhận thức tính hữu ích”, “Nhận thức tính dễ sử dụng” có tác động tích cực đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Yếu tố thứ tư “Nhận thức rủi ro” có tác động ngược đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Cơng trình nghiên cứu cung cấp minh chứng thực nghiệm bối cảnh đại dịch Covid 19 Bài viết đề xuất khuyến nghị cụ thể với nhà phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử để thúc đẩy người dân Việt Nam sử dụng chúng thời gian tới Từ khóa: Ví điện tử, ý định sử dụng ví điện tử Mã JEL: A31 Factors affecting the intention to use E-wallet of people in the North of Vietnam Abstract: The article built and examined the research model of factors affecting the intention to use E-wallets by people in the North of our country The research results show that there are factors, in which there are factors “Trust”, “Perceived usefulness”, and “Perceived ease of use” which have a positive impact on the intention to use E-wallets of people in the North of our country The fourth factor “Risk perception” has a negative impact on the intention to use E-wallets of people in the North of our country The study has provided empirical evidence in the context of the Covid 19 pandemic The article proposed specific recommendations to E-wallet users and E-wallet service providers to promote Vietnamese people to use E-wallets in the coming time Keywords: E-wallet, intention to use E-wallets JEL code: A31 Giới thiệu Cuộc cách mạng công nghiệp 4.0, thời đại trí tuệ nhân tạo tạo hội cho đời phát triển ví điện tử giới Việt Nam Từ năm 1997, hãng Coca Cola cho mắt ví điện tử hãng đến ngày nay, có nhiều ví điện tử tiếng giới Việt Nam Ở Việt Nam, ví điện tử mang thương hiệu ví điện tử Shopee, ví điện tử Grap Moca, ví điện tử MoMo Số 308(2) tháng 2/2023 92 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d Sử dụng ví điện tử xu hướng đại Việt Nam với kết hợp cơng nghệ tài đại với việc toán chi trả trực tuyến loại thị trường khác Theo đánh giá Nam Khánh (2021), “từ năm 2020 đến năm 2025, tỷ lệ tăng trưởng hàng năm kép giá trị giao dịch qua ví điện tử Việt Nam lên tới 29%” Tình hình địi hỏi đơn vị kinh doanh ví điện tử cần hiểu rõ người tiêu dùng Việt Nam sử dụng ví điện tử chịu tác động yếu tố Từ có phương pháp quản trị khoa học để thu hút ngày nhiều người tiêu dùng sử dụng ví điện tử mang nhãn hiệu Cơng trình nghiên cứu tiến hành nhằm xây dựng mơ hình yếu tố tác động đến ý định sử dụng ví điện tử người dân Việt Nam xác định tầm quan trọng yếu tố tác động đến ý định sử dụng ví điện tử người dân Việt Nam, nghiên cứu điển hình số tỉnh thành miền bắc Việt Nam điều kiện đại dịch Covid-19 Đây sở khoa học để đề xuất giải pháp khuyến nghị với nhà kinh doanh ví điện tử Việt Nam thời gian tới Sau nhiệm vụ nghiên cứu cụ thể: - Tổng quan cơng trình nghiên cứu giới nước để đề xuất mơ hình nghiên cứu yếu tố ảnh hưởng đến ý định sử dụng ví điện tử người dân Việt Nam - Rà sốt hồn thiện mơ hình nghiên cứu, thực kiểm định mơ hình nghiên cứu với công cụ thống kê phần mềm SPSS phiên 22 gồm: phân tích nhân tố khám phá (EFA), kiểm định độ tin cậy Cronbach’s Alpha, kiểm định tương quan Pearson, hồi quy đa biến phân tích chiều (One-way Anova) - Kiểm định đo lường mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân (biến phụ thuộc) Từ đó, xác định thứ tự tầm quan trọng yếu tố tác động đến ý định sử dụng ví điện tử người dân - Kiểm định khác biệt tác động yếu tố đối tượng người dân khác đến ý định sử dụng ví điện tử - Đề xuất giải pháp kiến nghị với nhãn hiệu ví điện tử để nhãn hiệu thu hút nhiều tham gia tích cực người dân việc sử dụng ví điện tử họ Tổng quan nghiên cứu sở lý thuyết 2.1 Ví điện tử loại ví điện tử Theo nghiên cứu nghiên cứu Shaw (2014), Delafrooz & cộng (2011), ví điện tử phương thức tốn khơng dùng tiền mặt nhanh hiệu thay dùng tiền mặt trực tiếp tốn qua tin nhắn Thơng qua ví điện tử, người tiêu dùng thực việc toán điểm bán trực tuyến cách dễ ràng, thuận tiện Ngồi cơng dụng tốn, ví điện tử cịn có nhiều cơng dụng khác lưu giữ thông tin cá nhân, lịch sử giao dịch, cho phép thực giao dịch từ xa người mua, người bán đơn vị dịch vụ có liên quan Ví điện tử có nhiều loại phân loại theo cách khác tùy theo mục đích khác Căn vào quan hệ nhà phát hành ví điện tử người dùng cuối ví điện tử, nhà khoa học Juyal (2011) phân loại ví điện tử thành loại: Ví điện tử đóng (Closed e-wallet), ví điện tử nửa kín (Semi-closed e-wallet), ví điện tử mở (Open e-wallet) Ví điện tử đóng ví phát hành công ty, thường doanh nghiệp bán lẻ kinh doanh trực tuyến, cho khách hàng họ để mua hàng hóa dịch vụ độc quyền từ cơng ty đó, khơng cho phép người dùng rút tiền thay đổi số dư thành tiền tài khoản ngân hàng Tiêu biểu cho loại ví điện tử đóng kể đến ví điện tử Amazon, ví điện tử Myntra ví điện tử Shopee Khác với ví điện tử đóng, ví điện tử nửa kín sử dụng để mua hàng hóa dịch vụ, bao gồm dịch vụ tài chính, địa điểm người bán liên kết với ví thông qua nhà phát hành, không bị hạn chế mua sản phẩm dịch vụ từ nhà phát hành Ví dụ cho loại ví điện tử nửa kín ví điện tử Grab Moca, ví điện tử Airpay, ví điện tử Momo Với ví điện tử nửa kín, người dùng khơng thể rút tiền mặt từ tài khoản ví mình, họ đổi số dư ví thành tiền tài khoản ngân hàng kết nối với ví điện tử mà có mạng lưới liên kết Ví điện tử mở cho phép người dùng sử dụng chúng cho giao dịch mà ví nửa kín cho phép, bao gồm chuyển tiền rút tiền từ máy ATM ngân hàng Tại Việt Nam nhiều nơi giới, ví phát hành ngân hàng, đơn vị hợp tác với ngân hàng lớn, ví dụ ví điện tử Liên Việt Postbank Viettel phát hành slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Số 308(2) tháng 2/2023 93 phép, bao gồm chuyển tiền rút tiền từ máy ATM ngân hàng Tại Việt Nam nhiều nơi giới, ví phát hành ngân hàng, đơn vị hợp tác với ngân hàng lớn, ví dụ ví điện tử Liên Việt Postbank Viettel phát hành the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker 2.2 Các mơ hình nghiên cứu nhân tố tác động đến ý định hành vi người tiêu dùng imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s 2.2.1 Thuyết hành động hợp lý (TRA) ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d 2.2 Các mơ hình nghiên cứu nhân tố tác động đến ý định hành vi người tiêu dùng slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table Thuyết hành động hợp lý (TRA) nhà khoa học Fishbein Ajzen nghiên cứu giới thiệu said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou 2.2.1 hợp lýtiếp (TRA) lầnThuyết đầu tiênhành vào động năm 1967, tục sửa đổi hoàn thiện vào năm 1975, 1988 1991 Thuyết hành động hợp lý (TRA) nhàhưởng khoa đến học hành Fishbein vàcon Ajzen nghiên cứu thực giới Theo lý thuyết (xem Hình 1), yếucác tố ảnh vi người ý định hiệnthiệu lần hành Ý định tiếp thựctục hiệnđược hànhsửa vi quyếtthiện định vào hai thái độ người vàovinăm 1967, đổiđược hoàn cácnhân năm tố 1975, 1988 1991 Theovềlý thuyết hànhHình vi đó1), yếu nhân tố hưởng thuộc chủhành quanvicủa người nhưlàkinh nghiệm, cách vi sống, (xem tố ảnh đến củacon người ý định thực phong hành trình Ý định thực độ, tuổi tác,được giới tính định hai nhân tố thái độ người hành vi nhân tố thuộc hành vi chủ quan người kinh nghiệm, phong cách sống, trình độ, tuổi tác, giới tính particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Hình 1: Thuyết hành động hợp lý TRA Thái độ hướng tới hành vi Ý định hành vi Hành vi thực Nhân tố chủ quan Nguồn: Ajzen (1985) Lý thuyết chung chung cho thấy hành động chủ thể chịu tác động trực tiếp nhận Lý quan thuyếtcủa trênhọ kháđối chung chung cho thấytính hành dịch chủ thể táclạiđộng thức chủ với thuộc củađộng sảncủa phẩm, vụ chịu mang giá trực trị gìtiếp chobởi họ họ nhận thức chủ quan họ thuộc tính sản phẩm, dịch vụ mang lại giá trị cho hướng hành vi đến để có sản phẩm, dịch vụ họ họ hướng hành vi đến để có sản phẩm, dịch vụ 2.2.2 Mơ hình chấp nhận cơng nghệ (TAM) Mơ hình chấp nhận cơng(TAM) nghệ (TAM) Mơ 2.2.2 hình chấp nhận cơng nghệ Davis cộng phát triển vào năm 1986 hồn mơ hình hồn thiện sau hai lần hồn thiện TAM 2.năm Theo1986 mơphát hình TAM, hành vi1986 và1,thái độ Mơ hình chấp nhận cơng nghệ (TAM) Davis đời cộng triển vào vàmô thiện sau hai lần vào năm 1989 1993 Mơgọi hình gọi năm TAM hình hồn chủ thể có quan hệ nhân với (xem Hình 2) hồnhai thiện haithiện lần vào cácgọi nămlà1989 đời năm 1986 gọiđộ TAM 1, chủ thể có thiện sau lần sau hồn TAMvà2.1993 TheoMơ mơhình hìnhraTAM, hành vi thái quan hệ nhân với (xem Hình 2) Hình 2: Mơ hình chấp nhận cơng nghệ (TAM 1) Cảm nhận tính hữu dụng Các biến mơi trường Thái độ Ý định Hành động Cảm nhận việc dễ sử dụng Nguồn: Davis (1989) Mơ hình chấp nhận công nghệ TAM thể mối quan hệ nhân tính hữu dụng, dễ dàng sử dụngMơ củahình cơng nghệ vàcơng thái nghệ độ người sửhiện dụng đốiquan với hệ cơng nghệ mơ hình chấp nhận TAM thể mối nhân giữaTheo tính hữu dụng,này, dễhành dàngđộng (quyết định) chủ thể để thực việc phụ thuộc vào dự định xa thái độ người sử dụng công nghệ thái độ người sử dụng cơng nghệ Theo mơ hình này, hành cơng việc Trong đó, thái độ họ phụ thuộc vào (1) cảm nhận tính hữu dụng (2) động (quyết định) chủ thể để thực việc phụ thuộc vào dự định xa cảm nhận việc dễ dàng sử dụng Các cảm nhận đến lượt chịu tác động biến mơi trường thái độ người cơng việc Trong đó, thái độ họ phụ thuộc vào (1) cảm biến quy trình cơng nghệ, kinh nghiệm, kiến thức trình độ đào tạo nhận tính hữu dụng (2) cảm nhận việc dễ dàng sử dụng Các cảm nhận đến lượt chịu Về bản, mơ hình TAM có nhiều điểm chi tiết mơ hình TRA nói đến tác động nhân tố tác động biến môi trường biến quy trình cơng nghệ, kinh nghiệm, kiến thức trình đến hành vi thực chủ thể Hạn chế mơ hình TAM cho tác động biến mơi trường, độ đào tạo bên ngồi khơng lớn, gián tiếp Về bản, mơ hình TAM có nhiều điểm chi tiết mơ hình TRA nói đến tác động nhân 2.2.3 Một số mơ hình nghiên cứu khác tố đến hành vi thực chủ thể Hạn chế mơ hình TAM cho tác động biến môi Trong nhiều cơng trình nghiên cứu khác gần nghiên cứu Gefen (2000), Chen & Corkindale trường, bên không lớn, gián tiếp (2008), Shaw (2014) cho nhân tố mơi trường có ảnh hưởng lớn đến hành vi người tiêu dùng số vào mô hình cứu khác nhờ 2.2.3 bổMột sung mơ nghiên hình nghiên cứu TRA TAM nhân tố mới, nhân tố tin tưởng người sử Trong nhiều cơng trình nghiên cứu khác gần nghiên cứu Gefen (2000), Chen & Corkindale (2008), Shaw (2014) cho nhân tố94 mơi trường có ảnh hưởng lớn đến hành vi Số 308(2) tháng 2/2023 người tiêu dùng nhờ bổ sung vào mơ hình nghiên cứu TRA TAM nhân tố mới, nhân tố tin tưởng người sử dụng, yếu tố thiếu giao dịch hay giao tiếp với công the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d dụng, yếu tố thiếu giao dịch hay giao tiếp với công chúng slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou Khi tham gia vào hoạt động giao dịch trực tuyến, có nhiều mối nguy hiểm cần xem xét trước sau sử dụng dịch vụ Khi khách hàng không chắn chất lượng sản phẩm, thương hiệu dịch vụ trực tuyến, họ lo lắng chậm trễ vô cớ việc giao sản phẩm, toán cho sản phẩm trước nhận sản phẩm hành động gian lận hành động bất hợp pháp khác Vì vậy, Tarip & Eddaoudi (2009), Kim & cộng (2014), Yang & cộng (2015) bổ sung thêm nhân tố nhận thức rủi ro sử dụng sản phẩm dịch vụ liệu, gian lận tín dụng thẻ particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Hình 3: Mơ hình nghiên cứu đề xuất yếu tố tác động đến ý định sử dụng ví điện tử người dân tỉnh miền Bắc Việt Nam Sự tin tưởng (T) H1+ Nhận thức rủi ro (PR) H2 H3+ Ý định sử dụng ví điện tử người dân (IT) Nhận thức tính hữu ích (PU) H4+ Nhận thức tính dễ sử dụng (PEOU) Bảng 1: Những nhân tố thang đo cho mơ hình nghiên cứu đề xuất Nhân tố Thang đo Nguồn Mô tảđề xuất Mã Mơ tả Mã hóa Mơ hình đểhóa kiểm định giả thuyết sau: Sự tin T Ví điện tử có đầy đủ tính để bảo vệ an T1 Gefen Giả thuyếttưởng H1: Sự tin tưởng có ảnh hưởng tích định ninhcực chotới tàiýsản củasửtơidụng vi điện tử (2000), Chen & Ví ảnh điệnhưởng tử bảo tiêu mật cực thơng tơi T2 Giả thuyết H2: Nhận thức rủi ro có tớitin ý tài định sử dụng ví điện tử Corkindale Ví điện tử có đầy đủ tính để bảo vệ T3 Giả thuyết H3: Nhận thức tính hữu ích có hảnh hưởng cựctôi tới ý định sử dụng vi điện tử (2008), quyền riêngtích tư Shaw Vísử điện tử giữ cho hưởng liệu tích cá nhân Giả thuyết H4: Nhận thức tính dễ dụng có ảnh cực tới ýtơiđịnh sử dụngT4 ví điện tử (2014) an tồn Từ mơ hình nghiên cứu đề xuất, nhóm nghiên cứu hợp hình cho biến Ví điện tử tổng không bị gian lận thành thang đoT5 Nhận thức PR Nhận thấy rủi ro cao giao dịch PR1 Tarip & mơ hình (Bảng 1) rủi ro Eddaoudi Mua phải sản phẩm không với cam kết PR2 Bảng 1: Những nhân tốdịch thang đogói, chovận mơchuyển, hình nghiên xuất (2009), Kim Các vụ (bao cứu đềPR3 & cộng tốn,…) khơng lời hứa Nhân tố Thang đo Nguồn (2014), Quyền riêng tư bị xâm phạm khơng PR4 Mơ tả Mã hóa Mơ tả Mã hóa Yang & giống với điều khoản quy định Sự tin T Ví điện tử có đầy đủ tính để bảo vệ an T1 Gefen cộng tưởng ninh cho tài sản (2000), (2015) Chen & điện tử tử bảo thơng củachính tơi cá T2 Nhận thức PU Ví Ví điện cảimật thiện hiệutin quảtàiquản lý tài PU1 Davis Corkindale Ví điện tử có đầy đủnhân tính để bảo vệ T3 tính hữu ích tơi (1989) (2008), quyền riêng củathời tơi gian tơi Ví điện tử giúp tiếttư kiệm PU2 Shaw Ví điệnVítửđiện giữtử cho liệu cá nhân tơi T4 cho phép tơi mua hàng hóa PU3 (2014) an với toàngiá hợp lý mong muốn Ví điện mang lại nhiều giá trịlận khác (khuyến PU4 Ví tử điện tử khơng bị gian T5 mại,rủi giảm giá dịpcác đặcgiao biệt,…) Nhận thức PR Nhận thấy ro cao dịch PR1 Tarip & PEOU Mua Đối vớisản tơi,phẩm ví điệnkhơng tử dễ sử với dụng kết tiện lợi PR2 PEOU1 Eddaoudi Davis rủi Nhận ro thức cam phải tính dễ sử (1989) Các thao tác để giao dịch tiền, hàng rõ ràng PEOU2 (2009), Kim Các dịch vụ (bao gói, vận chuyển, PR3 dụng Tươngtốn,…) tác giữakhơng người mua,lời người hứa bán trung PEOU3 & cộng nhanh xác (2014), Quyền riênggian tư tơi bị xâm phạm không PR4 Ý định sử IT Tôi sẵn dụng quy ví điện tử IT1 Davis Yang & giống vớisàng điềusửkhoản định dụng Ví (1989); Tơi chắn sử dụng ví điện tử tương IT2 cộng điện tử Barone & lai gần (2015) người dân Miniard IT3 Tôi chuyển sang giao dịch ví điện tử Nhận thức PU Ví điện tử cải thiện hiệu quản lý tài cá PU1 Davis (1999) tương trongcủa tính hữu ích nhân tơilai gần (1989) Ví điện tử giúp tiết kiệm thời gian PU2 Phương pháp nghiên cứu Số 308(2) tháng 2/2023 3.1 Quy trình nghiên cứu Sau bước nghiên cứu tiến hành: 95 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d 2.3 Mơ hình nghiên cứu đề xuất, thang đo giả thuyết nghiên cứu slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou Từ tổng quan cơng trình nghiên cứu trên, nhóm tác giả đề xuất mơ hình nghiên cứu yếu tố ảnh hưởng đến ý định sử dụng ví điện tử E-wallet người dân tỉnh miền Bắc Việt Nam (Hình 3) particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Mơ hình đề xuất để kiểm định giả thuyết sau: Giả thuyết H1: Sự tin tưởng có ảnh hưởng tích cực tới ý định sử dụng vi điện tử Giả thuyết H2: Nhận thức rủi ro có ảnh hưởng tiêu cực tới ý định sử dụng ví điện tử Giả thuyết H3: Nhận thức tính hữu ích có hảnh hưởng tích cực tới ý định sử dụng vi điện tử Giả thuyết H4: Nhận thức tính dễ sử dụng có ảnh hưởng tích cực tới ý định sử dụng ví điện tử Từ mơ hình nghiên cứu đề xuất, nhóm nghiên cứu tổng hợp hình thành thang đo cho biến mơ hình (Bảng 1) Phương pháp nghiên cứu 3.1 Quy trình nghiên cứu Sau bước nghiên cứu tiến hành: Bước 1: Xác định vấn đề nghiên cứu Vấn đề nghiên cứu công trình “Các yếu tố ảnh hưởng tới ý định sử dụng ví điện tử người dân miền Bắc Việt Nam” Bước 2: Tổng quan nghiên cứu đã thực hiện, đề xuất mơ hình nghiên cứu với thang đo dự kiến giả thuyết nghiên cứu Bước 3: Thu thập liệu Dữ liệu nhóm tác giả xác thu thập đảm bảo độ tin cậy cho phân tích gồm liệu thứ cấp, vấn sâu điều tra xã hội học Bước 4: Phân tích liệu Dữ liệu thu thập sẽ làm phương pháp thống kê thích hợp thơng qua phần mềm SPSS phiên 22.0: Kiểm định Cronbach’s Alpha, phân tích nhân tố khám phá (EFA), phân tích hồi quy phân tích post-hoc ANOVA Bước 5: Thảo luận kết nghiên cứu đề xuất kiến nghị với doanh nghiệp, tổ chức phát hành ví điện tử 3.2 Thu thập liệu 3.2.1 Thu thập liệu thứ cấp Dữ liệu thứ cấp thu thập chủ yếu từ thông tin đăng tải trực tuyến website tổ chức, cơng trình nghiên cứu cơng bố nước trang mạng uy tín Thơng tin thứ cấp chủ yếu thu thập phục vụ việc tổng quan thị trường toán ví điện tử tồn cầu, thị trường ví điện tử Việt nam, xu hướng phát triển tương lai năm từ 2016 đến dự báo đến năm 2025 3.2.2 Thu thập liệu sơ cấp Phỏng vấn sâu Phỏng vấn sâu thực với đối tượng biết đến ví điện tử Mục đích vấn sâu để nhận phản hồi bảng câu hỏi khảo sát Từ đó, bổ sung, loại bỏ sửa chữa nội dung bảng điều tra xã hội học để hoàn thiện thực khảo sát diện rộng Các vấn nhằm mục tiêu thu thập ý kiến đại diện người dân tính ví điện tử, điều thúc đẩy họ sử dụng ngăn cản họ sử dụng ví điện tử Phỏng vấn sâu nhằm tham khảo ý kiến người dân giải pháp cần áp dụng nhằm thu hút người dân sử dụng ví điện tử nhiều Điều tra xã hội học - Đối tượng điều tra: Người dân tỉnh miền Bắc Việt Nam từ Thanh Hóa trở có ý định sử dụng ví điện tử bao gồm người sử dụng ví điện tử Mẫu nghiên cứu khơng bao gồm người dân khơng có ý định sử dụng ví điện tử - Quy mơ mẫu điều tra: Theo Hair & cộng (1998), quy mô mẫu điều tra tối thiểu lần tổng số thang đo (cịn gọi biến) mơ hình nghiên cứu Theo mơ hình nghiên cứu đề xuất, tổng số thang đo 19 Như Số 308(2) tháng 2/2023 96 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d vậy, quy mô mẫu điều tra tối thiểu 95 người dân Tuy nhiên, để có kết có độ tin cậy cao có thể, nhóm nghiên cứu gửi phiếu điều tra đến nhiều người sống tỉnh thành miền Bắc Việt Nam (từ Thanh Hóa trở ra) tốt Kết nhóm nhận 287 phiếu trả lời Số phiếu hợp lệ 245 slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- - Phương pháp chọn mẫu: Nghiên cứu sử dụng phương pháp chọn mẫu thuận tiện Nhóm nghiên cứu tập hợp danh sách 475 người dân độ tuổi từ 16 trở lên tất tỉnh thành miền bắc Việt Phần mềmHóa SPSS vàgửi cácphiếu cơng cụ hỗtra trợđề khác Nam từ Thanh trở22.0 để điều nghị trảExcel lời sử dụng để phân tích liệu Phần mềm SPSS 22.0 công cụ hỗ trợ khác Excel sử dụng để phân tích liệu Trên mềm SPSS, nhóm tác giả tiến hànhnhóm phân tác tích giả nhân tố đến khám phángười (EFA)dân có kiểm định - Gửi vàphần thu phiếu điều tra: Phiếu điềuđãtra gửi 475 đầy đủ độ địa từ Trên phần mềm SPSS, nhóm tác giả tiến hành phân tích nhân tố khám phá (EFA) kiểm định độ tin cậy Cronbach’s Alpha để loại bỏ thang đo, nhân tố không đủ độ tin cậy 10 tháng 11 năm 2021 qua địa email, zalo nhận lại trả lời muộn vào 17 ngày 20 tháng tin cậy Cronbach’s Alpha để loại bỏ thang đo, nhân tố không đủ độ tin cậy 12 năm 2021 Trước tiên, để kiểm định độ hội tụ phân biệt thang đo, nhóm nghiên cứu tiến hành kiểm tiên, đểdữkiểm hộiKMO tụ phân biệt thang cứunhân tiến định giả thuyết với kiểmđộ định Barlett (Bảng 2) đo, thựcnhóm nghiên phân tích tố hành khámkiểm phá 3.3.Trước Phân tích liệuđịnh định giả thuyết với kiểm định KMO Barlett (Bảng 2) thực phân tích nhân tố khám phá (EFA) thành22.0 phầnvàchính phép quay (Bảng 3) Kết thấy tất cảbộ cácdữ biến Phần mềmvới SPSS công cụ hỗ trợVarimax khác Excel sử EFA dụngcho để phân tích liệu Trên (EFA) với thành phần phép quay Varimax (Bảng 3) Kết EFA cho thấy tất biến quan sát đạt yêu cầu kiểm định độ hội tụ phân biệt với tải nhân tố > 0,5; < KMO = 0,855 < phần mềm SPSS, nhóm tác giả tiến hành phân tích nhân tố khám phá (EFA) kiểm định độ1 tin cậy quan đạt< yêu cầu kiểm định>độ hộitổng tụ phân biệt với tảitrích nhân tố >là0,5; < KMO = 4) 0,855 < Sigsát = 0,000 Eigenvalue saiđủ xuất 61,604% (Bảng Cronbach’s Alpha để 0,05, loại bỏ thang đo, nhân phương tố không độ tin cậy Sig = 0,000 < 0,05, Eigenvalue > tổng phương sai trích xuất 61,604% (Bảng 4) Trước tiên, để kiểm định độ hội tụ phân biệt thang đo, nhóm nghiên cứu tiến hành kiểm định giả thuyết với kiểm định KMOBảng Barlett (Bảng thực phân tích nhân tố khám phá (EFA) với 2: Kiểm định2) KMO Barlett BảngMeasure 2: Kiểmofđịnh KMOAdequacy) Barlett Hệ số KMO (Kaiser-Meyer-Olkin Sampling Hệ số định KMOBarlett (Kaiser-Meyer-Olkin of Sampling Kiểm ChiMeasure bình phương (Appox.Adequacy) Chi Square) Sphericity Kiểm định Barlett Chi bình phương (Appox Chi Square) Df Sphericity Df ý nghĩa (Sig.) Mức Mức ý nghĩa (Sig.)nghiên cứu Nguồn: Kết điều tra xã hội học 2021 nhóm Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu 0,855 0,855 1369,914 1369,914 120 120 0,000 0,000 Bảng 3: Ma trận xoay hệ số tải nhân tố sau vòng xoay nhân tố sau 2tốvòng xoay nhân tố Thang đo Bảng 3: Ma trận xoay hệ số tải nhân tốNhân Thang đo Nhân tố 4 T4 0,768 T3 0,735 T4 0,768 T2 0,701 T3 0,735 T2 0,701 T5 0,697 T1 0,693 T5 0,697 T1 0,693 PR3 0,816 PR1 0,784 PR3 0,816 PR2 0,722 PR1 0,784 PR4 0,679 PR2 0,722 PR4 0,679 PU2 0,743 PU3 0,736 PU2 0,743 PU3 0,736 PU1 0,701 PU4 0,692 PU1 0,701 PU4 0,692 PEOU2 0,793 PEOU3 0,774 PEOU2 0,793 PEOU3 0,774 PEOU1 0,726 PEOU1 0,726 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Bảng 4: Tóm tắt giá trị Eigenvalue tổng phương sai xoay nhân tố Bảng 4: Tóm tắt giá trị Eigenvalue tổngTổng phương sai xoay nhân tố tố (Rotation Eigenvalue phương sai xoay nhân Sums ofsai Squared Loadings) Eigenvalue Tổng phương xoay nhân tố (Rotation Squared Loadings) Nhân Tổng số % sai lệch (% % sai lệch cộng Tổng Sums % of phương % phương sai tố Nhân Tổng %saiphương % phương Tổng số %ofsai lệch (% % sai dồn lệch cộng (Total) variance) số xoay xoay nhân sai tố tố số sai xoay xoay (Total) of variance) dồn %) (Total) (Cumulative nhân tố (% cộngnhân dồntố variance) (Cumulative nhân tố (% cộng dồn %) (Cumulative %) (Total) of variance) (Cumulative 11 5,311 33,193 33,193 5,311 of 33,193 33,193 %) 11 5,311 33,193 33,193 5,311 33,193 33,193 22 1,762 11,015 44,208 1,762 11,015 44,208 33 1,599 9,991 54,199 1,599 9,991 54,199 22 1,762 11,015 44,208 1,762 11,015 44,208 33 1,599 9,991 54,199 1,599 9,991 54,199 44 1,185 7,405 61,604 1,185 7,405 61,604 44 Kết1,185 7,405tố khám phá 61,604 1,185 7,405 61,604 Nguồn: phân tích nhân EFA tài liệu thu thập năm 2021 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Số 308(2) tháng 2/2023 97 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d thành phần phép quay Varimax (Bảng 3) Kết EFA cho thấy tất biến quan sát đạt yêu cầu kiểm định độ hội tụ phân biệt với tải nhân tố > 0,5; < KMO = 0,855 < Sig = 0,000 < 0,05, Việc kiểm định độ tin cậy thực phương pháp Cronbach’s Alpha Cronbach's Alpha Eigenvalue > tổng phương sai trích xuất 61,604% (Bảng 4) tất biến mơ hình nghiên cứu (Sự tin tưởng, Nhận thức rủi ro, Nhận thức tính hữu ích, Bảng cho thấy hội tụ thang đo nhân tố mơ hình Như vậy, tất biến đáp Nhận thức tính dễ sử dụng) 0,813; 0,808; 0,736 0,746 Biến Ý định sử dụng ví điện tử ứng yêuViệc cầukiểm (2010) nêu thực phương pháp Cronbach’s Alpha Cronbach's Alpha địnhHair độ tin cậy có Cronbach's Alpha 0,922 Cả biến độc lập biến phụ thuộc có hệ số Cronbach's Alpha lớn tất định cácđộbiến mơ hình cứu (Sự tin tưởng, thức rủi Alpha ro, NhậnCronbach’s thức tính hữu ích, tất Việccủa kiểm tin cậy thựcnghiên phương phápNhận Cronbach’s Alpha hơnNhận ngưỡng tiêu chuẩn 0,7 điều kiện khác đảm bảo yêu cầu Hair & cộng thức tính sử nghiên dụng) tin 0,813; 0,808; 0,736 0,746 Ý thức định sử điệnNhận tử thức biến mơ dễ hình cứu (Sự tưởng, Nhận thức rủi ro,Biến Nhận tínhdụng hữuvíích, (1998)Cronbach's nêu Do đó, khơng có quan4 sát loại trừ 5) có hệ số Cronbach's Alpha lớn 0,922 biếnnào độcbịlập biến(Bảng phụ thuộc tính dễcó sử dụng) lầnAlpha lượt 0,813;Cả 0,808; 0,736 vàvà0,746 Biến Ý định sử dụng ví điện tử có Cronbach’s ngưỡng tiêu chuẩn 0,7 điều kiện khác đảm bảo yêu cầu Alpha Hair cộng Alpha 0,922 Cả biến độc lập biến phụ thuộc có hệ số Cronbach’s lớn & ngưỡng tiêu Do đó, khơng có quan sát bị loại trừ (Bảng 5) chuẩn là(1998) 0,7 vànêu cácra.Bảng điều kiện khác đảm bảo yêu cầu Hair & cộng (1998) nêu Do đó, khơng 5: Tổng hợp kết phân tích độ tin cậy Chronbach’s Alpha có quan sát bị loại trừ (Bảng 5) Trung bình Phương sai Hệ số tương Chronbach’s thang đo thang đo quan biến tổng Alpha loại Bảng 5: Tổng hợp kết phân tích độ tin cậy Chronbach’s Alpha loại biến loại biến thang đo Trung bình Phương sai Hệ số tương Chronbach’s Nhân tố: Sự tin tưởng Chronbach’s Alpha: 0,811 Số thang đo: thang đo thang đo quan biến tổng Alpha loại T1 15,09 8,102 0,576 0,781 loại biến loại biến thang đo T2 15,07 7,306 0,616 0,770 Nhân tố: Sự tin tưởng Chronbach’s Alpha: 0,811 Số thang đo: T3 T1 15,18 7,246 0,639 0,762 15,09 8,102 0,576 0,781 T4 T2 15,14 8,344 0,574 0,782 15,07 7,306 0,616 0,770 T5 T3 15,20 8,415 0,609 0,774 15,18 7,246 0,639 0,762 Nhân tố: T4 Nhận thức rủi ro Chronbach’s Alpha: đo: 15,14 8,3440,809 Số thang 0,574 0,782 PR1T5 8,51 7,021 0,708 0,723 15,20 8,415 0,609 0,774 PR2tố: Nhận thức rủi 8,48 7,087 0,809 Số thang0,611 0,772 Nhân ro Chronbach’s Alpha: đo: PR1 8,51 7,021 0,708 0,723 PR3 8,40 6,799 0,706 0,723 PR2 8,48 7,087 0,611 0,772 PR4 8,59 8,522 0,498 0,818 8,40 ích Chronbach’s 6,799Alpha: 0,732 Số 0,706 0,723 Nhân tố:PR3 Nhận thức tính hữu thang đo : PR4 8,59 8,522 0,498 0,818 PU1 11,49 3,407 0,428 0,724 Nhân hữu ích Chronbach’s thang đo : PU2tố: Nhận thức tính 11,40 3,224Alpha: 0,732 Số 0,548 0,657 PU1 11,49 3,407 0,428 0,724 PU3 11,40 3,004 0,575 0,639 PU2 11,40 3,224 0,548 0,657 PU4 11,35 3,114 0,541 0,660 PU3 11,40 3,004 0,575 0,639 Nhân tố: Nhận thức tính dễ sử dụng Chronbach’s Alpha: 0,757 Số thang đo: PU4 11,35 3,114 0,541 0,660 PEOU1 7,46 3,454 0,530 0,738 Nhân tố: Nhận thức tính dễ sử dụng Chronbach’s Alpha: 0,757 Số thang đo: PEOU2 7,52 2,701 0,637 0,614 PEOU1 7,46 3,454 0,530 0,738 PEOU3 7,68 2,661 0,606 0,653 PEOU2 7,52 2,701 0,637 0,614 Biến phụ thuộc: Ý định sử dụng Ví điện tử người dân Chronbach’s Alpha: 0,922 Số PEOU3 7,68 2,661 0,606 0,653 thang đo: Biến phụ thuộc: Ý định sử dụng Ví điện tử người dân Chronbach’s Alpha: 0,922 Số IT1đo: 8,43 2,607 0,819 0,905 thang IT2IT1 8,44 2,517 0,873 0,863 8,43 2,607 0,819 0,905 IT3IT2 8,49 2,390 0,836 0,894 8,44 2,517 0,873 0,863 IT3 8,49 2,390 0,836 0,894 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Bảng 6: Kết phân tích tương quan Pearson (r) Bảng 6: Kết phân tíchPR tương quan Pearson (r) Trust PU Trust PR PU 1** -0,397** 0,266** 1** -0,397** 0,266** 1** -0,355** 1** -0,355** 1** Factor Factor Trust PRTrust PR PU PU POEU POEU IT IT 0,450** -0,519** 0,450** -0,519** ** Hệ số Sig tương quan Pearson mức 0,01 ** Hệ số Sig tương quan Pearson mức 0,01 1** 0,579** 0,579** POEU POEU 0,461** 0,461** -0,467** -0,467** 0,282** 0,282** 1** 1** 0,429** 0,429** Nguồn: KếtKết quảquả điều tratra xãxãhội cứu Nguồn: điều hộihọc học2021 2021của củanhóm nhóm nghiên nghiên cứu Cơng trình nghiên cứu tiến hành định kiểm định tương quan PEARSON nhằm kiểm định tương quan biến độc lập với biến phụ thuộc kiểm định dấu hiệu đa cộng tuyến Kết cho thấy hệ số tương quan Pearson (r) cặp biến nằm khoảng từ -1 < r < với sig < 0,05 độ mạnh Số 308(2) tháng 2/2023 98 Cơng trình nghiên cứu thực kiểm định giả thuyết phân tích hồi quy đa biến (Bảng 7) để thiết lập mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân miền Bắc Việt Nam (biến phụ thuộc) the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table Bảng 7: Kết kiểm định giả thuyết nghiên cứu hồi quy đa biến Biến R bình phương Βeta Chuẩn hóa Sig Hiệu chỉnh Sự tin tưởng (T) 0,501 0,224 0,000 Nhận thức rủi ro (PR) -0,227 0,000 Nhận thức tính hữu ích (PU) 0,434 0,000 Nhận thức tính dễ sử dụng (PEOU) 0,108 0,046 Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou VIF particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- 1,376 1,324 1,138 1,416 trung bình, cho thấy biến có tương quan với khơng có dấu hiệu đa cộng tuyến (Bảng 6) Bảng Sự khác nhaukiểm giữađịnh nhóm điều traphân mức Cơng trình nghiên cứu8: thực giả thuyết tíchđộ hồiđánh quy giá đa biến (Bảng 7) để thiết ý định sử dụng ví điện tử người dân miền bắc nước ta lập mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân miền Bắc Việt Tiêu chí đánh giá Số quan Trung bình ý Độ lệch Giá trị Nam (biến phụ thuộc) sát định hành động chuẩn Sig QuaGiới Bảng 7, hồi quy đa biến thực với biến độc lập bao gồm “Sư tin tưởng” (T), “Nhận thức tính 0,025 63 thức tính dễ 4,3915 0,62659 rủi ro”Nam (PR), “Nhận thức tính hữu ích” (PU) “Nhận sử dụng” (POEU) biến phụ thuộc Nữsử dụng ví điện tử” (IT) có ý nghĩa 182 4,1667 0,81405 “Ý định tất giá trị Sig giá trị F biến độc lập Tồn 245 4,2245 nhỏ 0,05 Mơ hình hồi quy khơng có tượng đa cộng tuyến tất cả0,77634 hệ số VIP nhỏ Tuổi 0,046 phù Nhỏ hợp với yêu cầu Hair (2010) nêu163 23 tuổi 4,4532 0,68178 Nghiên thực phân tích phương sai82một chiều (One-way để xác định có hay khơng 4,0865 Anova) 0,63405 Trên cứu 23 tuổi Cơng trình nghiên cứu thực kiểm định245 giả thuyết 4,2245 phân tích hồi quy đa biến (Bảng 7) để Toàn 0,77634 có khác nhóm dân cư theo tiêu chí nhân học đánh giá tác động yếu tố quan hệ người yếu tốdân (biến độc lập) ý định dân Học vấn 0,025 đến ýthiết địnhlập sửmối dụng ví điện tử miền Bắcvới nước ta sử dụng ví điện tử người Có trình độ trung phổphụ thơng trở lên miền Bắc Việt Namhọc (biến thuộc) 224 4,4127 0,58824 Theo Lê Văn Huy & Trương Trần Trâm Anh (2012), phân tích phương Khác 21 kết luận 4,1987 0,68682sai chiều (Oneway Anova) Toàn bộnêu là: 245 4,2245 0,77634 điều hội học 2021 nhóm cứu Bảng 7:xãKết địnhsai giảOne-Way thuyếtnghiên nghiên cứu vàhơn hồi quy đa biến - Nguồn: Nếu giáKết trị (Sig.) củatra phân tíchkiểm phương Anova nhỏ 0,05 (Sig ≤ 0,05), kết Biến R bình phương Βeta Chuẩn hóa Sig VIF luận tồn nhóm tuổi, nhóm giới tính, nhóm điều tra có khác đánh giá biến xem xét Hiệu chỉnh - Ngược lại, giá luận trị (Sig.) phân tích phương Anova lớn hơn0,000 0,05 (Sig 1,376 > 0,05), kết Tóm tắt thảo kết nghiên cứu Sự tin tưởng (T) 0,501 sai One-Way0,224 luận chưa có đủ sở để nói có khác biệt nhóm tuổi, nhóm giới tính, nhóm điều tra Nhận thức rủi ro (PR) -0,227 0,000 1,324 4.1 Đặc điểm mẫu điều tra thứcxem tínhxét hữu ích (PU) 0,434 0,000 1,138 đánh Nhận giá biến Nhận thức tính dễ sử dụng (PEOU) 0,108 điều tra xã hội họcnữ2021 củangười nhóm (chiếm nghiên 74,3%) cứu -Nguồn: Nam cóKết 63 người (chếm 25,7%), có 182 Trong số 245 chi người lời phiếu Sau đâytổng kết tiếttrả (Bảng 8): điều tra hợp lệ : 0,046 1,416 - Với Giới tính, ý định sử dụng ví điện tử nhóm nam nữ có khác biệt, ý định sử dụng ví điện tử nam - Nhóm tuổi trả lớn lời nhiềunữ nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) Bảng 8: Sự khác nhóm điều tra mức độ đánh giá Nhóm 23 tuổi (chiếm 33,5%) ý định sử dụng ví điện tử người dân miền bắc nước ta - Người có thuTiêu nhậpchí bình quân triệu tham gia trảýlời nhiều 51,8% đánh giáhàng tháng dướiSố quanđồngTrung bình Độ lệch chiếm Giá trị Tiếp theo nhóm có thu nhập từ đến 10 triệu sát đồng chiếm 11 đến chuẩn 20 triệu đồngSig chiếm định30,6% hành động Giới Nhóm tính có thu nhập 20 triệu đồng/tháng có người tham gia chiếm 4,9% 0,025 12,7% Nam 63 4,3915 0,62659 - Người từ phổ thông trung học trở lên chiếm Nữ dùng ví điện tử tham gia khảo sát có trình 182độ học vấn 4,1667 0,81405 Tồn đó, người có trình độ cao đẳng trở lên chiếm 245 61,6% 4,2245 0,77634 91%, Tuổi 0,046 4.2.Nhỏ Thảo luận kết nghiên cứu 23 tuổi 163 4,4532 0,68178 82 4,0865 0,63405 Trên 23 tuổi Toàn 245 4,2245 0,77634 Học vấn 0,025 Có trình độ trung học phổ thơng trở lên 224 4,4127 0,58824 Khác 21 4,1987 0,68682 Toàn 245 4,2245 0,77634 Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu - Với độ tuổi, có nhóm khác biệt: Nhóm có độ tuổi từ 22 trở xuống có ý định sử dụng ví điện tử cao so với có độthảo tuổi luận 22 nhóm Tóm tắt kếttuổi nghiên cứu - Với độ văn hóa, nhóm 4.1 trình Đặc điểm mẫu điều tra có trình độ trung học phổ thơng trở lên có ý định sử dụng ví điện tử cao Trong tổng số 245 người trả lời phiếu điều tra hợp lệ 99thì : Số 308(2) tháng 2/2023 - Nam có 63 người (chếm 25,7%), nữ có 182 người (chiếm 74,3%) - Nhóm tuổi trả lời nhiều nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d nhóm khác Tóm tắt thảo luận kết nghiên cứu 4.1 Đặc điểm mẫu điều tra Trong tổng số 245 người trả lời phiếu điều tra hợp lệ thì : - Nam có 63 người (chếm 25,7%), nữ có 182 người (chiếm 74,3%) - Nhóm tuổi trả lời nhiều nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) Nhóm 23 tuổi (chiếm 33,5%) - Người có thu nhập bình quân hàng tháng triệu đồng tham gia trả lời nhiều chiếm 51,8% Tiếp theo nhóm có thu nhập từ đến 10 triệu đồng chiếm 30,6% 11 đến 20 triệu đồng chiếm 12,7% Nhóm có thu nhập 20 triệu đồng/tháng có người tham gia chiếm 4,9% - Người dùng ví điện tử tham gia khảo sát có trình độ học vấn từ phổ thông trung học trở lên chiếm 91%, đó, người có trình độ cao đẳng trở lên chiếm 61,6% 4.2 Thảo luận kết nghiên cứu Thứ nhất, mơ hình nhân tố ảnh hưởng đến ý định sử dụng ví điện tử người dân miền bắc Việt Nam tổng hợp đề xuất hoàn toàn phù hợp với điều kiện miền bắc nước ta Thứ hai, bốn giả thuyết (H1, H2, H3, H4) gắn liền với biến (T, PR, PU PEOU) hỗ trợ mơ hình nghiên cứu Riêng ba biến “Sự tin tưởng” (T), “Nhận thức tính hữu ích” (PU) “Nhận thức tính dễ sử dụng” (PEOU) có ảnh hưởng tích cực đến biến phụ thuộc hệ số Beta chuẩn hóa ba biến có giá trị dương (0,224; 0,434 0,108) với giá trị Sig nhỏ 0,05 Điều có nghĩa ba nhân tố tăng lên, ý định sử dụng ví điện tử người dân miền Bắc nước ta tăng lên Thứ ba, riêng yếu tố “Nhận thức rủi ro” (PR) có giá trị Beta chuẩn hóa âm (-0,227) với giá trị Sig 0,000 nhỏ 0,05 chứng tỏ biến có ảnh hưởng tiêu cực tới biến phụ thuộc Điều có nghĩa nhận thức rủi ro tăng lên, ý định sử dụng ví điện tử người dân miền Bắc nước ta giảm Thứ tư, số yếu tố tác động tích cực nêu trên, yếu tố “Nhận thức tính hữu ích” có tác động mạnh nhất, có hệ số Beta chuẩn hóa cao (0,434) Yếu tố có tác động thấp yếu tố “Nhận thức tính dễ sử dụng” có hệ số Beta chuẩn hóa thấp (0,108) Thứ năm, hệ số bình phương R điều chỉnh có giá trị 0,501, có nghĩa mơ hình giải thích 50,1% mối quan hệ yếu tố ảnh hưởng đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Thứ sáu, có biến có khác biệt nhóm người có ý định sử dụng ví điện tử giới tính, tuổi, trình độ học vấn Trong đó, nam giới có ý định sử dụng ví điện tử cao nữ giới Đây điểm đặc biệt cần nghiên cứu sâu thời gian tới Nhóm có độ tuổi trẻ từ 22 trở xuống, theo học trường đại học, cao đẳng, trung cấp, trung học phổ thơng có ý định sử dụng ví điện tử cao nhóm cịn lại Đây đối tượng trẻ tương lai hãng phát hành ví điện tử Kết luận khuyến nghị Từ kết nghiên cứu nêu nhóm tác giả có số khuyến nghị sau: Thứ nhất, tổ chức phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử cần trọng đến việc gia tăng tính hữu ích ví điện tử Đây điểm quan trọng, có đến 80 % người hỏi trả câu hỏi vấn cho mục đích việc sử dụng ví điện tử họ lý lợi ích kinh tế Như vậy, tiện lợi khả toán nhiều nơi, tiết kiệm thời gian giao dịch, người dân sử dụng ví điện tử cịn quan tâm đến lợi ích kinh tế thiết thực dịch vụ hàng hóa đa dạng, chi phí giao dịch thấp, thường có ưu đãi, giảm giá Thứ hai, tổ chức phát hành cung cấp dịch vụ ví điện tử cần đầu tư nghiên cứu nhằm nâng cao tính bảo mật thông tin hệ thống công nghệ áp dụng giúp tăng cường lịng tin, giảm bớt rủi ro xảy liên quan tới bảo mật thông tin hay mát khác xảy từ phía người tiêu dùng sử dụng ví điện tử Nâng cấp hệ thống cơng nghệ nhằm tăng khả bảo mật thông tin tất cần đến nội vận hành có chất lượng kỹ quản lý tốt để vận hành hệ thống sử dụng công cụ gắn liền với hệ thống nâng cấp Các tổ chức nêu cần nâng cao lực slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Số 308(2) tháng 2/2023 100 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Baker imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got d đội ngũ nhân vận hành chuyên trách nhằm hỗ trợ cho khách hàng trình sử dụng ví điện tử slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou Thứ ba, cần nâng cao chuyên nghiệp trung tâm dịch vụ khách hàng tổ chức phát hành cung cấp dịch vụ ví điện tử nhằm giảm bớt vấn đề, khó khăn mà khách hàng gặp phải sử dụng ví điện tử nhờ tăng tin tưởng họ thông qua tiếp xúc gọi điện tới nhân viên particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti- Thứ tư, tổ chức phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử cần gia tăng tiện ích tích hợp ví điện tử để mặt gia tăng lợi ích, mặt khác gia tăng lịng tin tạo thuận tiện cho người dân sử dụng ví điện tử, chí tiết giảm phần lợi nhuận để khuyến khích người tiêu dùng sử dụng ví điện tử Thứ năm, tổ chức phát hành ví điện tử đơn vị cung cấp dịch vụ ví điện tử cần thực giải pháp nhằm giảm thiểu rủi ro sử dụng ví điện tử áp dụng công nghệ vào bảo vệ tài khoản, bảo mật thông tin khách hàng, nâng cao trách nhiệm đội ngũ bán hàng, dịch vụ viên Tài liệu tham khảo Ajzen, I (1985), From intentions to actions: A theory of planned behavior, Heidelberg: Springer Barone, M.J & Miniard, P.W (1999), ‘How and when factual ad claims mislead consumers: Examining the deceptive consequences of interactions for partial comparative advertisements’, Journal of Consumer Research, 36, 58-74 Chen, Y.H.H & Corkindale, D (2008), Towards an understanding of the behavioral intention to use online news services: an exploratory study, truy cập lần cuối ngày 25 tháng năm 2022, từ Davis, F.D (1989), ‘Perceived usefulness, perceived ease of use, and user acceptance of information technology’, MIS Quarterly, 13(3), p.319 Delafrooz, N., Paim, L.H & Khatibi, A (2011), ‘Understanding consumer’s internet purchase intention in Malaysia’, African Journal of Business Management, 5(3), 2837-2846 Gefen, D (2000), ‘E-commerce: the role of familiarity and trust’, The International Journal of Management Science, 28(6), 725-737.  Hair, J.F (2010), Multivariate data analysis: A global perspective, Upper Saddle River, NJ: Pearson Education Hair, J.F., Black, W.C., Babin, B.J., Anderson, R.E & Tatham, R.L (1998), Multivariate data analysis, Upper Saddle River, NJ: Prentice Hall Juyal, P (2011), Types of digital wallets: A detailed giude, truy cập ngày 19 tháng năm 2022, từ Kim, C., Tao, W., Shin, N & Kim, K.S (2014), ‘An empirical study of customers’ perceptions of security and trust in e-payment systems’, Electronic Commerce Research and Applications, 9(1), 84-95 Lê Văn Huy & Trương Trần Trâm Anh (2012), Giáo trình phương pháp nghiên cứu kinh doanh, Nhà xuất Tài Nam Khánh (2021), Việt Nam chiến trường nóng bỏng Ví điện tử, MOMO dẫn đầu, bỏ xa quân VIETTELPAY (2021), truy cập ngày 19 tháng năm 2022, từ Shaw, N (2014), ‘The mediating influence of trust in the adoption of the mobile wallet’, Journal of Retailing and Consumer Services, 21(4), 449-459 Tarip, N & Eddaoudi, B (2009), ‘Assessing the effect of trust and security factors on consumers’ willingness for online shopping among the urban moroccans’, International Journal of Business and Management Science, 2(1), 17-32 Yang, Q., Pang, C., Liu, L., Yen, D.C & Tarn, J.M (2015), ‘Exploring consumer perceived risk and trust for online payments: An empirical study in China’s younger generation’, Computers in Human Behavior, 50, 9-24 Số 308(2) tháng 2/2023 101 the whip and snap of the curtains and the groan of a pic- ture on the wall Then there was a boom as Tom Buchanan shut the rear windows and the caught wind died out about the room and the curtains and the rugs and the two young women ballooned slowly to the floor The younger of the two was a stranger to me She was extended full length at her end of the divan, completely motionless and with her chin raised a little as if she were balancing something on it which was quite likely to fall If she saw me out of the corner of her eyes she gave no hint of it—indeed, I was almost surprised into murmuring an apol- ogy for having disturbed her by coming in The other girl, Daisy, made an attempt to rise—she leaned slightly forward with a conscientious expression— then she laughed, an absurd, charming little laugh, and I laughed too and came forward into the room ‘I’m p-paralyzed with happiness.’ She laughed again, as if she said something very witty, and held my hand for a moment, looking up into my face, promising that there was no one in the world she so much wanted to see That was a way she had She hinted in a mur- mur that the surname of the balancing girl was Baker (I’ve heard it said that Daisy’s murmur was only to make people lean toward her; an irrelevant criticism that made it no less charming.) At any rate Miss Bake imperceptibly and then quickly tipped her head back again—the object she was balancing had obviously tottered a little and given her something of a fright Again a sort of 12 The Great Gatsby apology arose to my lips Almost any exhibition of complete self sufficiency draws a stunned tribute from me I looked back at my cousin who began to ask me ques- tions in her low, thrilling voice It was the kind of voice that the ear follows up and down as if each speech is an arrange- ment of notes that will never be played again Her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth—but there was an excitement in her voice that men who had cared for her found difficult to forget: a singing compulsion, a whispered ‘Listen,’ a prom- ise that she had done gay, exciting things just a while since and that there were gay, exciting things hovering in the next hour I told her how I had stopped off in Chicago for a day on my way east and how a dozen people had sent their love through me ‘Do they miss me?’ she cried ecstatically ‘The whole town is desolate All the cars have the left rear wheel painted black as a mourning wreath and there’s a per- sistent wail all night along the North Shore.’ ‘How gorgeous! Let’s go back, Tom Tomorrow!’ Then she added irrelevantly, ‘You ought to see the baby.’ ‘I’d like to.’ ‘She’s ever seen her?’ ‘Never.’ ‘Well, you ought to see her She’s——‘ Tom Buchanan who had been hovering restlessly about the room stopped and rested his hand on my shoulder Free eBooks at Planet eBook.com 13 ‘What you doing, Nick?’ ‘I’m a bond man.’ ‘Who with?’ I told him ‘Never heard of them,’ he remarked decisively This annoyed me ‘You will,’ I answered shortly ‘You will if you stay in the East.’ ‘Oh, I’ll stay in the East, don’t you worry,’ he said, glanc- ing at Daisy and then back at me, as if he were alert for something more ‘I’d be a God Damned fool to live any- where else.’ At this point Miss Baker said ‘Absolutely!’ with such suddenness that I started—it was the first word she uttered since I came into the room Evidently it surprised her as much as it did me, for she yawned and with a series of rapid, deft movements stood up into the room ‘I’m stiff,’ she complained, ‘I’ve been lying on that sofa for as long as I can remember.’ ‘Don’t look at me,’ Daisy retorted ‘I’ve been trying to get you to New York all afternoon.’ ‘No, thanks,’ said Miss Baker to the four cocktails just in from the pantry, ‘I’m absolutely in training.’ Her host looked at her incredulously ‘You are!’ He took down his drink as if it were a drop in the bottom of a glass ‘How you ever get anything done is beyond me.’ I looked at Miss Baker wondering what it was she ‘got slender, small- 14 The Great Gatsby breasted girl, with an erect carriage which she accentuated by throwing her body backward at the shoulders like a young cadet Her grey sun-strained eyes looked back at me with polite reciprocal curiosity out of a wan, charming discon- tented face It occurred to me now that I had seen her, or a picture of her, somewhere before ‘You live in West Egg,’ she remarked contemptuously ‘I know somebody there.’ ‘I don’t know a single——‘ ‘You must know Gatsby.’ ‘Gatsby?’ demanded Daisy ‘What Gatsby?’ Before I could reply that he was my neighbor dinner was announced; wedging his tense arm imperatively un- der mine Tom Buchanan compelled me from the room as though he were moving a checker to another square Slenderly, languidly, their hands set lightly on their hips the two young women preceded us out onto a rosy-colored porch open toward the sunset where four candles flickered on the table in the diminished wind ‘Why CANDLES?’ objected Daisy, frowning She snapped them out with her fingers ‘In two weeks it’ll be the longest day in the year.’ She looked at us all radiantly ‘Do you always watch for the longest day of the year and then miss it? I always watch for the longest day in the year and then miss it.’ ‘We ought to plan something,’ yawned Miss Baker, sit- ting down at the table said Daisy ‘What’ll we plan?’ She turned to me helplessly ‘What people plan?’ Free eBooks at Planet eBook.com 15 Before I could answer her eyes fastened with an awed ex- pression on her little finger ‘Look!’ she complained ‘I hurt it.’ We all looked—the knuckle was black and blue ‘You did it, Tom,’ she said accusingly ‘I know you didn’t mean to but you DID it That’s what I get for marrying a brute of a man, a great big hulking physical specimen of a——‘ ‘I hate that word hulking,’ objected Tom crossly, ‘even in kidding.’ ‘Hulking,’ insisted Daisy Sometimes she and Miss Baker talked at once, unobtru- sively and with a bantering inconsequence that was never quite chatter, that was as cool as their white dresses and their impersonal eyes in the absence of all desire They were here—and they accepted Tom and me, making only a po- lite pleasant effort to entertain or to be entertained They knew that presently dinner would be over and a little later the evening too would be over and casually put away It was sharply different from the West where an evening was hur- ried from phase to phase toward its close in a continually disappointed anticipation or else in sheer nervous dread of the moment itself ‘You make me feel uncivilized, Daisy,’ I confessed on my second glass of corky but rather impressive claret ‘Can’t you talk abou particular by this remark but it was taken up in an unexpected way ‘Civilization’s going to pieces,’ broke out Tom violently 16 The Great Gatsby ‘I’ve gotten to be a terrible pessimist about things Have you read ‘The Rise of the Coloured Empires’ by this man God- dard?’ ‘Why, no,’ I answered, rather surprised by his tone ‘Well, it’s a fine book, and everybody ought to read it The idea is if we don’t look out the white race will be—will be ut- terly submerged It’s all scientific stuff; it’s been proved.’ ‘Tom’s getting very profound,’ said Daisy with an expres- sion of unthoughtful sadness ‘He reads deep books with long words in them What was that word we——‘ ‘Well, these books are all scientific,’ insisted Tom, glanc- ing at her impatiently ‘This fellow has worked out the whole thing It’s up to us who are the dominant race to watch out or these other races will have control of things.’ ‘We’ve got to beat them down,’ whispered Daisy, wink- ing ferociously toward the fervent sun ‘You ought to live in California—’ began Miss Baker but Tom interrupted her by shifting heavily in his chair ‘This idea is that we’re Nordics I am, and you are and you are and——’ After an infinitesimal hesitation he in- cluded Daisy with a slight nod and she winked at me again ‘—and we’ve produced all the things that go to make civili- zation—oh, science and art and al pathetic in his concentration as if his complacency, more acute than of old, was not enough to him any more When, almost immediately, the telephone rang inside and the butler left the porch Daisy seized upon the momentary interruption and leaned toward me ‘I’ll tell you a family secret,’ she whispered enthusiasti-