Tóm tắt: The rise of Vietnam's fintech sector, with over 260 companies by 2022, highlights the significant impact of new technology on financial services. E-wallets, representing a major segment of fintech, are increasingly adopted due to their convenience and efficiency. The number of electronic wallets is expected to reach 36.23 million by 2023. However, intense competition, both domestic and international, necessitates a focus on customer retention. Switching costs play a critical role in retaining customers, ...