The study examines an empirical case that explores the key constructs of the Unified Theory of Acceptance and Use of Technology (UTAUT) (Venkatesh, Morris, Davis & Davis, 2003) and the relationship between security and privacy of the Theory of Perceived Risk (TPR) (Bauer, 1960). This study employs survey data of 200 young Internet users aged 18 to 25. The study was conducted through two steps: preliminary research by qualitative research method to form the official research scale then formal research by quantitative research method using CFA and SEM to test the research model. The research results show that performance expectancy and social influence significantly predict behavioral intention to use e-wallets in payment. In contrast, the factors, namely, security and privacy, and effort expectancy, are statistically insignificant on behavioral intention. Nevertheless, the facilitating conditions factor still affects the behavior of using e-wallets. The study proposes a model to generalize the online payment environment through the integration of UTAUT and TPR models that are important for online payment management and researchers in the technology environment. The findings of this study suggest that social influence significantly affects the intention of young people to use e-wallets instead of security and privacy.

Abstract
1. Introduction
2. Literature Review
3. Hypotheses
    3.1. Security and Privacy
    3.2. Effort Expectancy
    3.3. Performance Expectancy
    3.4. Social Influence
    3.5. Behavioral Intention
    3.6. Facilitating Conditions
    3.7. Actual Behaviour
4. Research Methodology
5. Results
    5.1. Reliability Test
    5.2. Exploratory Factor Analysis (EFA) andConfirmatory Factor Analysis (CFA)
    5.3. Structural Equation Modeling (SEM)
6. Discussion
7. Conclusions
References

• Trong Nhan PHAN(Industrial University of Ho Chi Minh City) Corresponding Author
• Truc Vi HO(Industrial University of Ho Chi Minh City)
• Phuong Viet LE-HOANG(Graduate School, Ho Chi Minh City Open University)