NGUYEN, Ngan Thi Thuy; TRAN, Khe Son. Multinomial logit regression adoption: Identifying user characteristics of e-wallets in Can Tho City, Vietnam. HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE - ECONOMICS AND BUSINESS ADMINISTRATION, [S. l.], v. 15, n. 2, p. 170–184, 2024. DOI: 10.46223/HCMCOUJS.econ.en.15.2.2945.2025. Disponível em: https://journalofscience.ou.edu.vn/index.php/econ-en/article/view/2945. Acesso em: 20 jan. 2026.