Nguyen, Ngan Thi Thuy, and Khe Son Tran. 2024. “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 15 (2):170-84. https://doi.org/10.46223/HCMCOUJS.econ.en.15.2.2945.2025.