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In view of the promising growth of FinTech in the Arab region, specifically in Egypt, this study identifies the significant factors likely to influence consumers’ acceptance intention toward e-payment products and services (mobile wallets, virtual-cards, mobile/online banking etc.).

Quantitative deductive research was used to investigate the extension of the unified theory of acceptance and use of technology (UTAUT) on consumers' e-payment acceptance intentions. Questionnaires were electronically administered through convenience sampling. Three hundred and ninety-nine questionnaires were analyzed through multiple regression to test the proposed hypotheses.

Performance expectance, facilitating condition, effort expectancy and social influence impact consumers' e-payment acceptance intentions. These factors contribute to the growing number of individuals using e-payments to the extent that e-payment eventually becomes a preferred medium for economic transactions. Hedonic motivation, price value and habit are insignificant in encouraging consumers' e-payment acceptance.

The study benefits to governments, policymakers, banking institutions, businesses involved in online transactions and software developers. They can utilize the findings to develop strategies aimed at increasing e-payment usage and overcoming cultural-resistance to changing traditional financial transaction methods. These methods align with the government’s goal of achieving a digital society.

This study presents information on the current state of e-payment acceptance. Its potential contribution lies in identifying the factors that influence the intention to e-payment among Arab consumers, thereby highlighting important considerations for the adoption of e-payment. Furthermore, this study supports UTAUT over UTAUT2 in the FinTech context. It suggests that individuals exhibit similar behavior and inspiration when using e-payment technology as they do when using technology in an organizational context.

Adopting digital transformation is changing the methods through which companies' function, generating novel possibilities and difficulties that force firms to adjust to remain competitive in the digital era. It is critical for firms to embrace this change and utilize technology to develop a more flexible, proactive and effective approach as digital transformation continues to advance at an accelerating pace. Vietnam has been placed at the forefront of these changes in attracting investments and becoming a hub of international trade. As a result, Vietnamese firms have been implementing restructuring and adopting digital transformation to remain competitive with the flow of foreign investment. This paper aims to examine the effects of digital transformation on corporate restructuring in Vietnam. The authors then investigate the moderating role of corporate governance in the digital transformation – corporate restructuring nexus.

The authors employ content analysis to extract information from the annual reports of 747 Vietnamese listed companies, where the authors focus on specific phrases, such as “digitalization”, “big data”, “cloud computing”, “blockchain” and “information technology” over a period of 11 years, from 2011 to 2021. The frequency count of these keywords is calculated to represent the level of digital transformation for the Vietnamese listed firms. A final sample of 118 Vietnamese listed firms with sufficient data is selected for the analysis using the generalized method of moments (GMM) approach.

The results indicate that digital transformation and corporate governance negatively impact corporate restructuring when their effect on corporate restructuring is examined independently. However, corporate governance strengthens the effect of digital transformation on corporate restructuring.

This paper is one of the first to investigate the moderating role of corporate governance on the effect of digital transformation on corporate restructuring in Vietnam. The findings inspire listed firms in Vietnam to implement digital transformation during their corporate restructuring to enhance performance.