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This study investigated the influence of credit card use in electronic procurement (e-procurement) on the effectiveness of using government budgets. Data were collected through a cross-sectional survey of 202 Vietnamese public organisations. Partial least squares structural equation modelling (PLS-SEM) was used to test the research hypotheses. The results indicated a significant correlation between credit card use and the effectiveness of government budget use. Based on a combination of the unified theory of technology adoption and perceived risk theory, this study explored how behavioural intentions to use credit cards directly affect actual credit card use and indirectly influence government budget use effectiveness through credit card use as a mediating variable. Performance expectancy, effort expectancy, perceived risk, and social influence have substantial direct and indirect effects on credit card use and behavioural intentions. Based on these insights, I suggest steps for governments and public organisations to promote credit card use, thereby enhancing the effectiveness of government budgeting.
Thi Kim Thoa Dau (Wed,) studied this question.