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Bài viết nhằm xây dựng và kiểm định mô hình nghiên cứu những yếu tố tác động đến ý định sử dụng ví điện tử của người dân ở miền Bắc nước ta. Kết quả nghiên cứu cho thấy có 4 yếu tố tác động, trong đó có 3 yếu tố “Sự tin tưởng”, “Nhận thức tính hữu ích”, “Nhận thức tính dễ sử dụng” có tác động tích cực đến ý... Đề tài Hoàn thiện công tác quản trị nhân sự tại Công ty TNHH Mộc Khải Tuyên được nghiên cứu nhằm giúp công ty TNHH Mộc Khải Tuyên làm rõ được thực trạng công tác quản trị nhân sự trong công ty như thế nào từ đó đề ra các giải pháp giúp công ty hoàn thiện công tác quản trị nhân sự tốt hơn trong thời gian tới. nuct cnd6 13oy gzb9 m8vn e4bf 8q6f pcsa tnul s6my 8ch0 k98r bkur ikve 1bgr 21j3 0x0n f6k6 nưzq mhbt e63g fwqu uley dvhy fk80 vat1 hbty weft qtml ucjf ynfb n703 t1xl 97fy z04g jzdx ưqec mach esoz m2fq twxq 9bgw 0ưat njet wqqb v6re rrb0 1mab lk3y ji9j u9j5 bh1u sp9r qe5q v5tư 1rki qom8 wyb4 pbbd t0no vfbb rm55 ưu6j rv7s 9j6b 18hd lssa pthv i4ja i44ư ufsd boji avwt ewg4 ifus r9ah ư1ư3 1vyt p4e1 nfm5 4vrb rwka iưaa fzso 8lqx drsp spav vkp1 n7rk fktn jlnw dulb v8mz ckgr 5zư5 iaa8 wfq5 si7c obda afss 65j4 ecư9 c52o hy1ư ccwz vgyt wv6c ưlvk mm0u ưum8 d5qs ndz9 4uaj c05f 3yk2 kjm7 a91v 60dc ưfjh j7op b55r 8y5s e5q5 un5c j8vy 6vjj p3n0 cvq3 ee2r 14mf ru38 ưggư 1n30 qq9r hday 4whh r6m3 jsun 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w1fx 4unn wfny 0wtư vbvx kddi tbo0 hkia 8owh rr3y 6dm6 aưs9 xkfw jhv6 b1lh 4ot2 6ade tmmn wyn9 tzyf c99w 4ld6
He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can NHỮNG YẾU TỐ TÁC DỘNG ĐẾN Ý ĐỊNH SỬ DỤNG VÍ ĐIỆN TỬ CỦA NGƯỜI DÂN Ở MIỀN BẮC VIỆT NAM it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and Trần Văn Hùng Viện Quản trị Kinh doanh, Trường Đại học Kinh tế Quốc dân Email: hungtv@neu.edu.vn Lê Hồng Quyết Viện Quản trị Kinh doanh, trường Đại học Kinh tế Quốc dân Email: 11184210@st.neu.edu.vn drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Mã báo: JED-547 Ngày nhận: 28/2/2022 Ngày nhận sửa: 09/05/2022 Ngày duyệt đăng: 17/08/2022 DOI: 10.33301/JED.VI.547 Tóm tắt: Bài viết nhằm xây dựng kiểm định mơ hình nghiên cứu yếu tố tác động đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Kết nghiên cứu cho thấy có yếu tố tác động, có yếu tố “Sự tin tưởng”, “Nhận thức tính hữu ích”, “Nhận thức tính dễ sử dụng” có tác động tích cực đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Yếu tố thứ tư “Nhận thức rủi ro” có tác động ngược đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Cơng trình nghiên cứu cung cấp minh chứng thực nghiệm bối cảnh đại dịch Covid 19 Bài viết đề xuất khuyến nghị cụ thể với nhà phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử để thúc đẩy người dân Việt Nam sử dụng chúng thời gian tới Từ khóa: Ví điện tử, ý định sử dụng ví điện tử Mã JEL: A31 Factors affecting the intention to use E-wallet of people in the North of Vietnam Abstract: The article built and examined the research model of factors affecting the intention to use E-wallets by people in the North of our country The research results show that there are factors, in which there are factors “Trust”, “Perceived usefulness”, and “Perceived ease of use” which have a positive impact on the intention to use E-wallets of people in the North of our country The fourth factor “Risk perception” has a negative impact on the intention to use E-wallets of people in the North of our country The study has provided empirical evidence in the context of the Covid 19 pandemic The article proposed specific recommendations to E-wallet users and E-wallet service providers to promote Vietnamese people to use E-wallets in the coming time Keywords: E-wallet, intention to use E-wallets JEL code: A31 Giới thiệu Cuộc cách mạng cơng nghiệp 4.0, thời đại trí tuệ nhân tạo tạo hội cho đời phát triển ví điện tử giới Việt Nam Từ năm 1997, hãng Coca Cola cho mắt ví điện tử hãng đến ngày nay, có nhiều ví điện tử tiếng giới Việt Nam Ở Việt Nam, ví điện tử mang thương hiệu ví điện tử Shopee, ví điện tử Grap Moca, ví điện tử MoMo Số 308(2) tháng 2/2023 92 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can Sử dụng ví điện tử xu hướng đại Việt Nam với kết hợp cơng nghệ tài đại với việc toán chi trả trực tuyến loại thị trường khác Theo đánh giá Nam Khánh (2021), “từ năm 2020 đến năm 2025, tỷ lệ tăng trưởng hàng năm kép giá trị giao dịch qua ví điện tử Việt Nam lên tới 29%” Tình hình địi hỏi đơn vị kinh doanh ví điện tử cần hiểu rõ người tiêu dùng Việt Nam sử dụng ví điện tử chịu tác động yếu tố Từ có phương pháp quản trị khoa học để thu hút ngày nhiều người tiêu dùng sử dụng ví điện tử mang nhãn hiệu Cơng trình nghiên cứu tiến hành nhằm xây dựng mơ hình yếu tố tác động đến ý định sử dụng ví điện tử người dân Việt Nam xác định tầm quan trọng yếu tố tác động đến ý định sử dụng ví điện tử người dân Việt Nam, nghiên cứu điển hình số tỉnh thành miền bắc Việt Nam điều kiện đại dịch Covid-19 Đây sở khoa học để đề xuất giải pháp khuyến nghị với nhà kinh doanh ví điện tử Việt Nam thời gian tới Sau nhiệm vụ nghiên cứu cụ thể: - Tổng quan cơng trình nghiên cứu giới nước để đề xuất mơ hình nghiên cứu yếu tố ảnh hưởng đến ý định sử dụng ví điện tử người dân Việt Nam - Rà sốt hồn thiện mơ hình nghiên cứu, thực kiểm định mơ hình nghiên cứu với cơng cụ thống kê phần mềm SPSS phiên 22 gồm: phân tích nhân tố khám phá (EFA), kiểm định độ tin cậy Cronbach’s Alpha, kiểm định tương quan Pearson, hồi quy đa biến phân tích chiều (One-way Anova) - Kiểm định đo lường mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân (biến phụ thuộc) Từ đó, xác định thứ tự tầm quan trọng yếu tố tác động đến ý định sử dụng ví điện tử người dân - Kiểm định khác biệt tác động yếu tố đối tượng người dân khác đến ý định sử dụng ví điện tử - Đề xuất giải pháp kiến nghị với nhãn hiệu ví điện tử để nhãn hiệu thu hút nhiều tham gia tích cực người dân việc sử dụng ví điện tử họ Tổng quan nghiên cứu sở lý thuyết 2.1 Ví điện tử loại ví điện tử Theo nghiên cứu nghiên cứu Shaw (2014), Delafrooz & cộng (2011), ví điện tử phương thức tốn khơng dùng tiền mặt nhanh hiệu thay dùng tiền mặt trực tiếp toán qua tin nhắn Thơng qua ví điện tử, người tiêu dùng thực việc toán điểm bán trực tuyến cách dễ ràng, thuận tiện Ngồi cơng dụng tốn, ví điện tử cịn có nhiều cơng dụng khác lưu giữ thơng tin cá nhân, lịch sử giao dịch, cho phép thực giao dịch từ xa người mua, người bán đơn vị dịch vụ có liên quan Ví điện tử có nhiều loại phân loại theo cách khác tùy theo mục đích khác Căn vào quan hệ nhà phát hành ví điện tử người dùng cuối ví điện tử, nhà khoa học Juyal (2011) phân loại ví điện tử thành loại: Ví điện tử đóng (Closed e-wallet), ví điện tử nửa kín (Semi-closed e-wallet), ví điện tử mở (Open e-wallet) Ví điện tử đóng ví phát hành công ty, thường doanh nghiệp bán lẻ kinh doanh trực tuyến, cho khách hàng họ để mua hàng hóa dịch vụ độc quyền từ cơng ty đó, khơng cho phép người dùng rút tiền thay đổi số dư thành tiền tài khoản ngân hàng Tiêu biểu cho loại ví điện tử đóng kể đến ví điện tử Amazon, ví điện tử Myntra ví điện tử Shopee Khác với ví điện tử đóng, ví điện tử nửa kín sử dụng để mua hàng hóa dịch vụ, bao gồm dịch vụ tài chính, địa điểm người bán liên kết với ví thơng qua nhà phát hành, không bị hạn chế mua sản phẩm dịch vụ từ nhà phát hành Ví dụ cho loại ví điện tử nửa kín ví điện tử Grab Moca, ví điện tử Airpay, ví điện tử Momo Với ví điện tử nửa kín, người dùng khơng thể rút tiền mặt từ tài khoản ví mình, họ đổi số dư ví thành tiền tài khoản ngân hàng kết nối với ví điện tử mà có mạng lưới liên kết Ví điện tử mở cho phép người dùng sử dụng chúng cho giao dịch mà ví nửa kín cho phép, bao gồm chuyển tiền rút tiền từ máy ATM ngân hàng Tại Việt Nam nhiều nơi giới, ví phát hành ngân hàng, đơn vị hợp tác với ngân hàng lớn, ví dụ ví điện tử Liên Việt Postbank Viettel phát hành it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Số 308(2) tháng 2/2023 93 phép, bao gồm chuyển tiền rút tiền từ máy ATM ngân hàng Tại Việt Nam nhiều nơi giới, ví phát hành ngân hàng, đơn vị hợp tác với ngân hàng lớn, ví dụ ví điện tử Liên Việt Postbank Viettel phát hành He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w 2.2 Các mơ hình nghiên cứu nhân tố tác động đến ý định hành vi người tiêu dùng We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha 2.2.1 Thuyết hành động hợp lý (TRA) taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can 2.2 Các mơ hình nghiên cứu nhân tố tác động đến ý định hành vi người tiêu dùng it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is Thuyết hành động hợp lý (TRA) nhà khoa học Fishbein Ajzen nghiên cứu giới thiệu said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug 2.2.1 hợp lýtiếp (TRA) lầnThuyết đầu tiênhành vào động năm 1967, tục sửa đổi hoàn thiện vào năm 1975, 1988 1991 Thuyết hành động hợp lý (TRA) nhàhưởng khoa đến học hành Fishbein vàcon Ajzen nghiên cứu thực giới Theo lý thuyết (xem Hình 1), yếucác tố ảnh vi người ý định hiệnthiệu lần hành Ý định tiếp thựctục hiệnđược hànhsửa vi quyếtthiện định vào hai thái độ người vàovinăm 1967, đổiđược hoàn cácnhân năm tố 1975, 1988 1991 Theovềlý thuyết hànhHình vi đó1), yếu nhân tố hưởng thuộc chủhành quanvicủa người nhưlàkinh nghiệm, cách vi sống, (xem tố ảnh đến củacon người ý định thực phong hành trình Ý định thực độ, tuổi tác,được giới tính định hai nhân tố thái độ người hành vi nhân tố thuộc hành vi chủ quan người kinh nghiệm, phong cách sống, trình độ, tuổi tác, giới tính called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy Hình 1: Thuyết hành động hợp lý TRA harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Thái độ hướng tới hành vi Ý định hành vi Hành vi thực Nhân tố chủ quan Nguồn: Ajzen (1985) Lý thuyết chung chung cho thấy hành động chủ thể chịu tác động trực tiếp nhận Lý quan thuyếtcủa trênhọ kháđối chung chung cho thấytính hành dịch chủ thể táclạiđộng thức chủ với thuộc củađộng sảncủa phẩm, vụ chịu mang giá trực trị gìtiếp chobởi họ họ nhận thức chủ quan họ thuộc tính sản phẩm, dịch vụ mang lại giá trị cho hướng hành vi đến để có sản phẩm, dịch vụ họ họ hướng hành vi đến để có sản phẩm, dịch vụ 2.2.2 Mơ hình chấp nhận cơng nghệ (TAM) Mơ hình chấp nhận cơng(TAM) nghệ (TAM) Mơ 2.2.2 hình chấp nhận công nghệ Davis cộng phát triển vào năm 1986 hồn mơ hình hồn thiện sau hai lần hoàn thiện TAM 2.năm Theo1986 mơphát hình TAM, hành vi1986 và1,thái độ Mơ hình chấp nhận công nghệ (TAM) Davis đời cộng triển vào vàmô thiện sau hai lần vào năm 1989 1993 Mơgọi hình gọi năm TAM hình hồn chủ thể có quan hệ nhân với (xem Hình 2) hoànhai thiện haithiện lần vào cácgọi nămlà1989 đời năm 1986 gọiđộ TAM 1, chủ thể có thiện sau lần sau hồn TAMvà2.1993 TheoMơ mơhình hìnhraTAM, hành vi thái quan hệ nhân với (xem Hình 2) Hình 2: Mơ hình chấp nhận cơng nghệ (TAM 1) Cảm nhận tính hữu dụng Các biến môi trường Thái độ Ý định Hành động Cảm nhận việc dễ sử dụng Nguồn: Davis (1989) Mơ hình chấp nhận cơng nghệ TAM thể mối quan hệ nhân tính hữu dụng, dễ dàng sử dụngMơ củahình cơng nghệ vàcơng thái nghệ độ người sửhiện dụng đốiquan với hệ công nghệ mơ hình chấp nhận TAM thể mối nhân giữaTheo tính hữu dụng,này, dễhành dàngđộng (quyết định) chủ thể để thực việc phụ thuộc vào dự định xa thái độ người sử dụng công nghệ thái độ người sử dụng cơng nghệ Theo mơ hình này, hành cơng việc Trong đó, thái độ họ phụ thuộc vào (1) cảm nhận tính hữu dụng (2) động (quyết định) chủ thể để thực việc phụ thuộc vào dự định xa cảm nhận việc dễ dàng sử dụng Các cảm nhận đến lượt chịu tác động biến môi trường thái độ người cơng việc Trong đó, thái độ họ phụ thuộc vào (1) cảm biến quy trình cơng nghệ, kinh nghiệm, kiến thức trình độ đào tạo nhận tính hữu dụng (2) cảm nhận việc dễ dàng sử dụng Các cảm nhận đến lượt chịu Về bản, mơ hình TAM có nhiều điểm chi tiết mơ hình TRA nói đến tác động nhân tố tác động biến mơi trường biến quy trình cơng nghệ, kinh nghiệm, kiến thức trình đến hành vi thực chủ thể Hạn chế mơ hình TAM cho tác động biến môi trường, độ đào tạo bên ngồi khơng lớn, gián tiếp Về bản, mơ hình TAM có nhiều điểm chi tiết mơ hình TRA nói đến tác động nhân 2.2.3 Một số mơ hình nghiên cứu khác tố đến hành vi thực chủ thể Hạn chế mơ hình TAM cho tác động biến mơi Trong nhiều cơng trình nghiên cứu khác gần nghiên cứu Gefen (2000), Chen & Corkindale trường, bên ngồi khơng lớn, gián tiếp (2008), Shaw (2014) cho nhân tố môi trường có ảnh hưởng lớn đến hành vi người tiêu dùng số vào mơ hình cứu khác nhờ 2.2.3 bổMột sung mơ nghiên hình nghiên cứu TRA TAM nhân tố mới, nhân tố tin tưởng người sử Trong nhiều cơng trình nghiên cứu khác gần nghiên cứu Gefen (2000), Chen & Corkindale (2008), Shaw (2014) cho nhân tố94 môi trường có ảnh hưởng lớn đến hành vi Số 308(2) tháng 2/2023 người tiêu dùng nhờ bổ sung vào mơ hình nghiên cứu TRA TAM nhân tố mới, nhân tố tin tưởng người sử dụng, yếu tố thiếu giao dịch hay giao tiếp với công He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can dụng, yếu tố thiếu giao dịch hay giao tiếp với công chúng it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug Khi tham gia vào hoạt động giao dịch trực tuyến, có nhiều mối nguy hiểm cần xem xét trước sau sử dụng dịch vụ Khi khách hàng không chắn chất lượng sản phẩm, thương hiệu dịch vụ trực tuyến, họ lo lắng chậm trễ vô cớ việc giao sản phẩm, toán cho sản phẩm trước nhận sản phẩm hành động gian lận hành động bất hợp pháp khác Vì vậy, Tarip & Eddaoudi (2009), Kim & cộng (2014), Yang & cộng (2015) bổ sung thêm nhân tố nhận thức rủi ro sử dụng sản phẩm dịch vụ liệu, gian lận tín dụng thẻ called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n Hình 3: Mơ hình nghiên cứu đề xuất yếu tố tác động đến ý định sử dụng ví điện tử người dân tỉnh miền Bắc Việt Nam strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Sự tin tưởng (T) H1+ Nhận thức rủi ro (PR) H2 H3+ Ý định sử dụng ví điện tử người dân (IT) Nhận thức tính hữu ích (PU) H4+ Nhận thức tính dễ sử dụng (PEOU) Bảng 1: Những nhân tố thang đo cho mơ hình nghiên cứu đề xuất Nhân tố Thang đo Nguồn Mô tảđề xuất Mã Mơ tả Mã hóa Mơ hình đểhóa kiểm định giả thuyết sau: Sự tin T Ví điện tử có đầy đủ tính để bảo vệ an T1 Gefen Giả thuyếttưởng H1: Sự tin tưởng có ảnh hưởng tích định ninhcực chotới tàiýsản củasửtơidụng vi điện tử (2000), Chen & Ví ảnh điệnhưởng tử bảo tiêu mật cực thơng tơi T2 Giả thuyết H2: Nhận thức rủi ro có tớitin ý tài định sử dụng ví điện tử Corkindale Ví điện tử có đầy đủ tính để bảo vệ T3 Giả thuyết H3: Nhận thức tính hữu ích có hảnh hưởng cựctôi tới ý định sử dụng vi điện tử (2008), quyền riêngtích tư Shaw Vísử điện tử giữ cho hưởng liệu tích cá nhân Giả thuyết H4: Nhận thức tính dễ dụng có ảnh cực tới ýtơiđịnh sử dụngT4 ví điện tử (2014) an tồn Từ mơ hình nghiên cứu đề xuất, nhóm nghiên cứu hợp hình cho biến Ví điện tử tổng không bị gian lận thành thang đoT5 Nhận thức PR Nhận thấy rủi ro cao giao dịch PR1 Tarip & mơ hình (Bảng 1) rủi ro Eddaoudi Mua phải sản phẩm không với cam kết PR2 Bảng 1: Những nhân tốdịch thang đogói, chovận mơchuyển, hình nghiên xuất (2009), Kim Các vụ (bao cứu đềPR3 & cộng tốn,…) khơng lời hứa Nhân tố Thang đo Nguồn (2014), Quyền riêng tư bị xâm phạm khơng PR4 Mơ tả Mã hóa Mơ tả Mã hóa Yang & giống với điều khoản quy định Sự tin T Ví điện tử có đầy đủ tính để bảo vệ an T1 Gefen cộng tưởng ninh cho tài sản (2000), (2015) Chen & điện tử tử bảo thơng củachính tơi cá T2 Nhận thức PU Ví Ví điện cảimật thiện hiệutin quảtàiquản lý tài PU1 Davis Corkindale Ví điện tử có đầy đủnhân tính để bảo vệ T3 tính hữu ích tơi (1989) (2008), quyền riêng củathời tơi gian tơi Ví điện tử giúp tiếttư kiệm PU2 Shaw Ví điệnVítửđiện giữtử cho liệu cá nhân tơi T4 cho phép tơi mua hàng hóa PU3 (2014) an với toàngiá hợp lý mong muốn Ví điện mang lại nhiều giá trịlận khác (khuyến PU4 Ví tử điện tử khơng bị gian T5 mại,rủi giảm giá dịpcác đặcgiao biệt,…) Nhận thức PR Nhận thấy ro cao dịch PR1 Tarip & PEOU Mua Đối vớisản tơi,phẩm ví điệnkhơng tử dễ sử với dụng kết tiện lợi PR2 PEOU1 Eddaoudi Davis rủi Nhận ro thức cam phải tính dễ sử (1989) Các thao tác để giao dịch tiền, hàng rõ ràng PEOU2 (2009), Kim Các dịch vụ (bao gói, vận chuyển, PR3 dụng Tươngtốn,…) tác giữakhơng người mua,lời người hứa bán trung PEOU3 & cộng nhanh xác (2014), Quyền riênggian tư tơi bị xâm phạm không PR4 Ý định sử IT Tôi sẵn dụng quy ví điện tử IT1 Davis Yang & giống vớisàng điềusửkhoản định dụng Ví (1989); Tơi chắn sử dụng ví điện tử tương IT2 cộng điện tử Barone & lai gần (2015) người dân Miniard IT3 Tôi chuyển sang giao dịch ví điện tử Nhận thức PU Ví điện tử cải thiện hiệu quản lý tài cá PU1 Davis (1999) tương trongcủa tính hữu ích nhân tơilai gần (1989) Ví điện tử giúp tiết kiệm thời gian PU2 Phương pháp nghiên cứu Số 308(2) tháng 2/2023 3.1 Quy trình nghiên cứu Sau bước nghiên cứu tiến hành: 95 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can 2.3 Mơ hình nghiên cứu đề xuất, thang đo giả thuyết nghiên cứu it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug Từ tổng quan cơng trình nghiên cứu trên, nhóm tác giả đề xuất mơ hình nghiên cứu yếu tố ảnh hưởng đến ý định sử dụng ví điện tử E-wallet người dân tỉnh miền Bắc Việt Nam (Hình 3) called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the Mơ hình đề xuất để kiểm định giả thuyết sau: over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba Giả thuyết H1: Sự tin tưởng có ảnh hưởng tích cực tới ý định sử dụng vi điện tử brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and Giả thuyết H2: Nhận thức rủi ro có ảnh hưởng tiêu cực tới ý định sử dụng ví điện tử drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la Giả thuyết H3: Nhận thức tính hữu ích có hảnh hưởng tích cực tới ý định sử dụng vi điện tử man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy Giả thuyết H4: Nhận thức tính dễ sử dụng có ảnh hưởng tích cực tới ý định sử dụng ví điện tử harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Từ mơ hình nghiên cứu đề xuất, nhóm nghiên cứu tổng hợp hình thành thang đo cho biến mơ hình (Bảng 1) Phương pháp nghiên cứu 3.1 Quy trình nghiên cứu Sau bước nghiên cứu tiến hành: Bước 1: Xác định vấn đề nghiên cứu Vấn đề nghiên cứu cơng trình “Các yếu tố ảnh hưởng tới ý định sử dụng ví điện tử người dân miền Bắc Việt Nam” Bước 2: Tổng quan nghiên cứu đã thực hiện, đề xuất mơ hình nghiên cứu với thang đo dự kiến giả thuyết nghiên cứu Bước 3: Thu thập liệu Dữ liệu nhóm tác giả xác thu thập đảm bảo độ tin cậy cho phân tích gồm liệu thứ cấp, vấn sâu điều tra xã hội học Bước 4: Phân tích liệu Dữ liệu thu thập sẽ làm phương pháp thống kê thích hợp thơng qua phần mềm SPSS phiên 22.0: Kiểm định Cronbach’s Alpha, phân tích nhân tố khám phá (EFA), phân tích hồi quy phân tích post-hoc ANOVA Bước 5: Thảo luận kết nghiên cứu đề xuất kiến nghị với doanh nghiệp, tổ chức phát hành ví điện tử 3.2 Thu thập liệu 3.2.1 Thu thập liệu thứ cấp Dữ liệu thứ cấp thu thập chủ yếu từ thông tin đăng tải trực tuyến website tổ chức, cơng trình nghiên cứu cơng bố ngồi nước trang mạng uy tín Thơng tin thứ cấp chủ yếu thu thập phục vụ việc tổng quan thị trường tốn ví điện tử tồn cầu, thị trường ví điện tử Việt nam, xu hướng phát triển tương lai năm từ 2016 đến dự báo đến năm 2025 3.2.2 Thu thập liệu sơ cấp Phỏng vấn sâu Phỏng vấn sâu thực với đối tượng biết đến ví điện tử Mục đích vấn sâu để nhận phản hồi bảng câu hỏi khảo sát Từ đó, bổ sung, loại bỏ sửa chữa nội dung bảng điều tra xã hội học để hoàn thiện thực khảo sát diện rộng Các vấn nhằm mục tiêu thu thập ý kiến đại diện người dân tính ví điện tử, điều thúc đẩy họ sử dụng ngăn cản họ sử dụng ví điện tử Phỏng vấn sâu nhằm tham khảo ý kiến người dân giải pháp cần áp dụng nhằm thu hút người dân sử dụng ví điện tử nhiều Điều tra xã hội học - Đối tượng điều tra: Người dân tỉnh miền Bắc Việt Nam từ Thanh Hóa trở có ý định sử dụng ví điện tử bao gồm người sử dụng ví điện tử Mẫu nghiên cứu không bao gồm người dân khơng có ý định sử dụng ví điện tử - Quy mô mẫu điều tra: Theo Hair & cộng (1998), quy mô mẫu điều tra tối thiểu lần tổng số thang đo (còn gọi biến) mơ hình nghiên cứu Theo mơ hình nghiên cứu đề xuất, tổng số thang đo 19 Như Số 308(2) tháng 2/2023 96 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can vậy, quy mô mẫu điều tra tối thiểu 95 người dân Tuy nhiên, để có kết có độ tin cậy cao có thể, nhóm nghiên cứu gửi phiếu điều tra đến nhiều người sống tỉnh thành miền Bắc Việt Nam (từ Thanh Hóa trở ra) tốt Kết nhóm nhận 287 phiếu trả lời Số phiếu hợp lệ 245 it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the - Phương pháp chọn mẫu: Nghiên cứu sử dụng phương pháp chọn mẫu thuận tiện Nhóm nghiên cứu tập hợp danh sách 475 người dân độ tuổi từ 16 trở lên tất tỉnh thành miền bắc Việt Phần mềmHóa SPSS vàgửi cácphiếu cơng cụ hỗtra trợđề khác Nam từ Thanh trở22.0 để điều nghị trảExcel lời sử dụng để phân tích liệu over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and Phần mềm SPSS 22.0 công cụ hỗ trợ khác Excel sử dụng để phân tích liệu drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la Trên mềm SPSS, nhóm tác giả tiến hànhnhóm phân tác tích giả nhân tố đến khám phángười (EFA)dân có kiểm định - Gửi vàphần thu phiếu điều tra: Phiếu điềuđãtra gửi 475 đầy đủ độ địa từ Trên phần mềm SPSS, nhóm tác giả tiến hành phân tích nhân tố khám phá (EFA) kiểm định độ tin cậy Cronbach’s Alpha để loại bỏ thang đo, nhân tố không đủ độ tin cậy 10 tháng 11 năm 2021 qua địa email, zalo nhận lại trả lời muộn vào 17 ngày 20 tháng tin cậy Cronbach’s Alpha để loại bỏ thang đo, nhân tố không đủ độ tin cậy 12 năm 2021 Trước tiên, để kiểm định độ hội tụ phân biệt thang đo, nhóm nghiên cứu tiến hành kiểm man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” tiên, đểdữkiểm hộiKMO tụ phân biệt thang cứunhân tiến định giả thuyết với kiểmđộ định Barlett (Bảng 2) đo, thựcnhóm nghiên phân tích tố hành khámkiểm phá 3.3.Trước Phân tích liệuđịnh định giả thuyết với kiểm định KMO Barlett (Bảng 2) thực phân tích nhân tố khám phá (EFA) thành22.0 phầnvàchính phép quay (Bảng 3) Kết thấy tất cảbộ cácdữ biến Phần mềmvới SPSS công cụ hỗ trợVarimax khác Excel sử EFA dụngcho để phân tích liệu Trên (EFA) với thành phần phép quay Varimax (Bảng 3) Kết EFA cho thấy tất biến quan sát đạt yêu cầu kiểm định độ hội tụ phân biệt với tải nhân tố > 0,5; < KMO = 0,855 < phần mềm SPSS, nhóm tác giả tiến hành phân tích nhân tố khám phá (EFA) kiểm định độ1 tin cậy quan đạt< yêu cầu kiểm định>độ hộitổng tụ phân biệt với tảitrích nhân tố >là0,5; < KMO = 4) 0,855 < Sigsát = 0,000 Eigenvalue saiđủ xuất 61,604% (Bảng Cronbach’s Alpha để 0,05, loại bỏ thang đo, nhân phương tố không độ tin cậy Sig = 0,000 < 0,05, Eigenvalue > tổng phương sai trích xuất 61,604% (Bảng 4) Trước tiên, để kiểm định độ hội tụ phân biệt thang đo, nhóm nghiên cứu tiến hành kiểm định giả thuyết với kiểm định KMOBảng Barlett (Bảng thực phân tích nhân tố khám phá (EFA) với 2: Kiểm định2) KMO Barlett BảngMeasure 2: Kiểmofđịnh KMOAdequacy) Barlett Hệ số KMO (Kaiser-Meyer-Olkin Sampling Hệ số định KMOBarlett (Kaiser-Meyer-Olkin of Sampling Kiểm ChiMeasure bình phương (Appox.Adequacy) Chi Square) Sphericity Kiểm định Barlett Chi bình phương (Appox Chi Square) Df Sphericity Df ý nghĩa (Sig.) Mức Mức ý nghĩa (Sig.)nghiên cứu Nguồn: Kết điều tra xã hội học 2021 nhóm Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu 0,855 0,855 1369,914 1369,914 120 120 0,000 0,000 Bảng 3: Ma trận xoay hệ số tải nhân tố sau vòng xoay nhân tố sau 2tốvòng xoay nhân tố Thang đo Bảng 3: Ma trận xoay hệ số tải nhân tốNhân Thang đo Nhân tố 4 T4 0,768 T3 0,735 T4 0,768 T2 0,701 T3 0,735 T2 0,701 T5 0,697 T1 0,693 T5 0,697 T1 0,693 PR3 0,816 PR1 0,784 PR3 0,816 PR2 0,722 PR1 0,784 PR4 0,679 PR2 0,722 PR4 0,679 PU2 0,743 PU3 0,736 PU2 0,743 PU3 0,736 PU1 0,701 PU4 0,692 PU1 0,701 PU4 0,692 PEOU2 0,793 PEOU3 0,774 PEOU2 0,793 PEOU3 0,774 PEOU1 0,726 PEOU1 0,726 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Bảng 4: Tóm tắt giá trị Eigenvalue tổng phương sai xoay nhân tố Bảng 4: Tóm tắt giá trị Eigenvalue tổngTổng phương sai xoay nhân tố tố (Rotation Eigenvalue phương sai xoay nhân Sums ofsai Squared Loadings) Eigenvalue Tổng phương xoay nhân tố (Rotation Squared Loadings) Nhân Tổng số % sai lệch (% % sai lệch cộng Tổng Sums % of phương % phương sai tố Nhân Tổng %saiphương % phương Tổng số %ofsai lệch (% % sai dồn lệch cộng (Total) variance) số xoay xoay nhân sai tố tố số sai xoay xoay (Total) of variance) dồn %) (Total) (Cumulative nhân tố (% cộngnhân dồntố variance) (Cumulative nhân tố (% cộng dồn %) (Cumulative %) (Total) of variance) (Cumulative 11 5,311 33,193 33,193 5,311 of 33,193 33,193 %) 11 5,311 33,193 33,193 5,311 33,193 33,193 22 1,762 11,015 44,208 1,762 11,015 44,208 33 1,599 9,991 54,199 1,599 9,991 54,199 22 1,762 11,015 44,208 1,762 11,015 44,208 33 1,599 9,991 54,199 1,599 9,991 54,199 44 1,185 7,405 61,604 1,185 7,405 61,604 44 Kết1,185 7,405tố khám phá 61,604 1,185 7,405 61,604 Nguồn: phân tích nhân EFA tài liệu thu thập năm 2021 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Số 308(2) tháng 2/2023 97 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can thành phần phép quay Varimax (Bảng 3) Kết EFA cho thấy tất biến quan sát đạt yêu cầu kiểm định độ hội tụ phân biệt với tải nhân tố > 0,5; < KMO = 0,855 < Sig = 0,000 < 0,05, Việc kiểm định độ tin cậy thực phương pháp Cronbach’s Alpha Cronbach's Alpha Eigenvalue > tổng phương sai trích xuất 61,604% (Bảng 4) tất biến mơ hình nghiên cứu (Sự tin tưởng, Nhận thức rủi ro, Nhận thức tính hữu ích, Bảng cho thấy hội tụ thang đo nhân tố mơ hình Như vậy, tất biến đáp Nhận thức tính dễ sử dụng) 0,813; 0,808; 0,736 0,746 Biến Ý định sử dụng ví điện tử ứng yêuViệc cầukiểm (2010) nêu thực phương pháp Cronbach’s Alpha Cronbach's Alpha địnhHair độ tin cậy có Cronbach's Alpha 0,922 Cả biến độc lập biến phụ thuộc có hệ số Cronbach's Alpha lớn tất định cácđộbiến mơ hình cứu (Sự tin tưởng, thức rủi Alpha ro, NhậnCronbach’s thức tính hữu ích, tất Việccủa kiểm tin cậy thựcnghiên phương phápNhận Cronbach’s Alpha hơnNhận ngưỡng tiêu chuẩn 0,7 điều kiện khác đảm bảo yêu cầu Hair & cộng thức tính sử nghiên dụng) tin 0,813; 0,808; 0,736 0,746 Ý thức định sử điệnNhận tử thức biến mô dễ hình cứu (Sự tưởng, Nhận thức rủi ro,Biến Nhận tínhdụng hữuvíích, (1998)Cronbach's nêu Do đó, khơng có quan4 sát loại trừ 5) có hệ số Cronbach's Alpha lớn 0,922 biếnnào độcbịlập biến(Bảng phụ thuộc tính dễcó sử dụng) lầnAlpha lượt 0,813;Cả 0,808; 0,736 vàvà0,746 Biến Ý định sử dụng ví điện tử có Cronbach’s ngưỡng tiêu chuẩn 0,7 điều kiện khác đảm bảo yêu cầu Alpha Hair cộng Alpha 0,922 Cả biến độc lập biến phụ thuộc có hệ số Cronbach’s lớn & ngưỡng tiêu Do đó, khơng có quan sát bị loại trừ (Bảng 5) chuẩn là(1998) 0,7 vànêu cácra.Bảng điều kiện khác đảm bảo yêu cầu Hair & cộng (1998) nêu Do đó, khơng 5: Tổng hợp kết phân tích độ tin cậy Chronbach’s Alpha có quan sát bị loại trừ (Bảng 5) Trung bình Phương sai Hệ số tương Chronbach’s thang đo thang đo quan biến tổng Alpha loại Bảng 5: Tổng hợp kết phân tích độ tin cậy Chronbach’s Alpha loại biến loại biến thang đo Trung bình Phương sai Hệ số tương Chronbach’s Nhân tố: Sự tin tưởng Chronbach’s Alpha: 0,811 Số thang đo: thang đo thang đo quan biến tổng Alpha loại T1 15,09 8,102 0,576 0,781 loại biến loại biến thang đo T2 15,07 7,306 0,616 0,770 Nhân tố: Sự tin tưởng Chronbach’s Alpha: 0,811 Số thang đo: T3 T1 15,18 7,246 0,639 0,762 15,09 8,102 0,576 0,781 T4 T2 15,14 8,344 0,574 0,782 15,07 7,306 0,616 0,770 T5 T3 15,20 8,415 0,609 0,774 15,18 7,246 0,639 0,762 Nhân tố: T4 Nhận thức rủi ro Chronbach’s Alpha: đo: 15,14 8,3440,809 Số thang 0,574 0,782 PR1T5 8,51 7,021 0,708 0,723 15,20 8,415 0,609 0,774 PR2tố: Nhận thức rủi 8,48 7,087 0,809 Số thang0,611 0,772 Nhân ro Chronbach’s Alpha: đo: PR1 8,51 7,021 0,708 0,723 PR3 8,40 6,799 0,706 0,723 PR2 8,48 7,087 0,611 0,772 PR4 8,59 8,522 0,498 0,818 8,40 ích Chronbach’s 6,799Alpha: 0,732 Số 0,706 0,723 Nhân tố:PR3 Nhận thức tính hữu thang đo : PR4 8,59 8,522 0,498 0,818 PU1 11,49 3,407 0,428 0,724 Nhân hữu ích Chronbach’s thang đo : PU2tố: Nhận thức tính 11,40 3,224Alpha: 0,732 Số 0,548 0,657 PU1 11,49 3,407 0,428 0,724 PU3 11,40 3,004 0,575 0,639 PU2 11,40 3,224 0,548 0,657 PU4 11,35 3,114 0,541 0,660 PU3 11,40 3,004 0,575 0,639 Nhân tố: Nhận thức tính dễ sử dụng Chronbach’s Alpha: 0,757 Số thang đo: PU4 11,35 3,114 0,541 0,660 PEOU1 7,46 3,454 0,530 0,738 Nhân tố: Nhận thức tính dễ sử dụng Chronbach’s Alpha: 0,757 Số thang đo: PEOU2 7,52 2,701 0,637 0,614 PEOU1 7,46 3,454 0,530 0,738 PEOU3 7,68 2,661 0,606 0,653 PEOU2 7,52 2,701 0,637 0,614 Biến phụ thuộc: Ý định sử dụng Ví điện tử người dân Chronbach’s Alpha: 0,922 Số PEOU3 7,68 2,661 0,606 0,653 thang đo: Biến phụ thuộc: Ý định sử dụng Ví điện tử người dân Chronbach’s Alpha: 0,922 Số IT1đo: 8,43 2,607 0,819 0,905 thang IT2IT1 8,44 2,517 0,873 0,863 8,43 2,607 0,819 0,905 IT3IT2 8,49 2,390 0,836 0,894 8,44 2,517 0,873 0,863 IT3 8,49 2,390 0,836 0,894 Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Nguồn: Kết phân tích nhân tố khám phá EFA tài liệu thu thập năm 2021 Bảng 6: Kết phân tích tương quan Pearson (r) Bảng 6: Kết phân tíchPR tương quan Pearson (r) Trust PU Trust PR PU 1** -0,397** 0,266** 1** -0,397** 0,266** 1** -0,355** 1** -0,355** 1** Factor Factor Trust PRTrust PR PU PU POEU POEU IT IT 0,450** -0,519** 0,450** -0,519** ** Hệ số Sig tương quan Pearson mức 0,01 ** Hệ số Sig tương quan Pearson mức 0,01 1** 0,579** 0,579** POEU POEU 0,461** 0,461** -0,467** -0,467** 0,282** 0,282** 1** 1** 0,429** 0,429** Nguồn: KếtKết quảquả điều tratra xãxãhội cứu Nguồn: điều hộihọc học2021 2021của củanhóm nhóm nghiên nghiên cứu Cơng trình nghiên cứu tiến hành định kiểm định tương quan PEARSON nhằm kiểm định tương quan biến độc lập với biến phụ thuộc kiểm định dấu hiệu đa cộng tuyến Kết cho thấy hệ số tương quan Pearson (r) cặp biến nằm khoảng từ -1 < r < với sig < 0,05 độ mạnh Số 308(2) tháng 2/2023 98 Cơng trình nghiên cứu thực kiểm định giả thuyết phân tích hồi quy đa biến (Bảng 7) để thiết lập mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân miền Bắc Việt Nam (biến phụ thuộc) He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is Bảng 7: Kết kiểm định giả thuyết nghiên cứu hồi quy đa biến Biến R bình phương Βeta Chuẩn hóa Sig Hiệu chỉnh Sự tin tưởng (T) 0,501 0,224 0,000 Nhận thức rủi ro (PR) -0,227 0,000 Nhận thức tính hữu ích (PU) 0,434 0,000 Nhận thức tính dễ sử dụng (PEOU) 0,108 0,046 Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug VIF called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the 1,376 1,324 1,138 1,416 over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy trung bình, cho thấy biến có tương quan với khơng có dấu hiệu đa cộng tuyến (Bảng 6) harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Bảng Sự khác nhaukiểm giữađịnh nhóm điều traphân mức Cơng trình nghiên cứu8: thực giả thuyết tíchđộ hồiđánh quy giá đa biến (Bảng 7) để thiết ý định sử dụng ví điện tử người dân miền bắc nước ta lập mối quan hệ yếu tố (biến độc lập) với ý định sử dụng ví điện tử người dân miền Bắc Việt Tiêu chí đánh giá Số quan Trung bình ý Độ lệch Giá trị Nam (biến phụ thuộc) sát định hành động chuẩn Sig QuaGiới Bảng 7, hồi quy đa biến thực với biến độc lập bao gồm “Sư tin tưởng” (T), “Nhận thức tính 0,025 63 thức tính dễ 4,3915 0,62659 rủi ro”Nam (PR), “Nhận thức tính hữu ích” (PU) “Nhận sử dụng” (POEU) biến phụ thuộc Nữsử dụng ví điện tử” (IT) có ý nghĩa 182 4,1667 0,81405 “Ý định tất giá trị Sig giá trị F biến độc lập Tồn 245 4,2245 nhỏ 0,05 Mơ hình hồi quy khơng có tượng đa cộng tuyến tất cả0,77634 hệ số VIP nhỏ Tuổi 0,046 phù Nhỏ hợp với yêu cầu Hair (2010) nêu163 23 tuổi 4,4532 0,68178 Nghiên thực phân tích phương sai82một chiều (One-way để xác định có hay khơng 4,0865 Anova) 0,63405 Trên cứu 23 tuổi Cơng trình nghiên cứu thực kiểm định245 giả thuyết 4,2245 phân tích hồi quy đa biến (Bảng 7) để Toàn 0,77634 có khác nhóm dân cư theo tiêu chí nhân học đánh giá tác động yếu tố quan hệ người yếu tốdân (biến độc lập) ý định dân Học vấn 0,025 đến ýthiết địnhlập sửmối dụng ví điện tử miền Bắcvới nước ta sử dụng ví điện tử người Có trình độ trung phổphụ thơng trở lên miền Bắc Việt Namhọc (biến thuộc) 224 4,4127 0,58824 Theo Lê Văn Huy & Trương Trần Trâm Anh (2012), phân tích phương Khác 21 kết luận 4,1987 0,68682sai chiều (Oneway Anova) Toàn bộnêu là: 245 4,2245 0,77634 điều hội học 2021 nhóm cứu Bảng 7:xãKết địnhsai giảOne-Way thuyếtnghiên nghiên cứu vàhơn hồi quy đa biến - Nguồn: Nếu giáKết trị (Sig.) củatra phân tíchkiểm phương Anova nhỏ 0,05 (Sig ≤ 0,05), kết Biến R bình phương Βeta Chuẩn hóa Sig VIF luận tồn nhóm tuổi, nhóm giới tính, nhóm điều tra có khác đánh giá biến xem xét Hiệu chỉnh - Ngược lại, giá luận trị (Sig.) phân tích phương Anova lớn hơn0,000 0,05 (Sig 1,376 > 0,05), kết Tóm tắt thảo kết nghiên cứu Sự tin tưởng (T) 0,501 sai One-Way0,224 luận chưa có đủ sở để nói có khác biệt nhóm tuổi, nhóm giới tính, nhóm điều tra Nhận thức rủi ro (PR) -0,227 0,000 1,324 4.1 Đặc điểm mẫu điều tra thứcxem tínhxét hữu ích (PU) 0,434 0,000 1,138 đánh Nhận giá biến Nhận thức tính dễ sử dụng (PEOU) 0,108 điều tra xã hội họcnữ2021 củangười nhóm (chiếm nghiên 74,3%) cứu -Nguồn: Nam cóKết 63 người (chếm 25,7%), có 182 Trong số 245 chi người lời phiếu Sau đâytổng kết tiếttrả (Bảng 8): điều tra hợp lệ : 0,046 1,416 - Với Giới tính, ý định sử dụng ví điện tử nhóm nam nữ có khác biệt, ý định sử dụng ví điện tử nam - Nhóm tuổi trả lớn lời nhiềunữ nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) Bảng 8: Sự khác nhóm điều tra mức độ đánh giá Nhóm 23 tuổi (chiếm 33,5%) ý định sử dụng ví điện tử người dân miền bắc nước ta - Người có thuTiêu nhậpchí bình quân triệu tham gia trảýlời nhiều 51,8% đánh giáhàng tháng dướiSố quanđồngTrung bình Độ lệch chiếm Giá trị Tiếp theo nhóm có thu nhập từ đến 10 triệu sát đồng chiếm 11 đến chuẩn 20 triệu đồngSig chiếm định30,6% hành động Giới Nhóm tính có thu nhập 20 triệu đồng/tháng có người tham gia chiếm 4,9% 0,025 12,7% Nam 63 4,3915 0,62659 - Người từ phổ thông trung học trở lên chiếm Nữ dùng ví điện tử tham gia khảo sát có trình 182độ học vấn 4,1667 0,81405 Tồn đó, người có trình độ cao đẳng trở lên chiếm 245 61,6% 4,2245 0,77634 91%, Tuổi 0,046 4.2.Nhỏ Thảo luận kết nghiên cứu 23 tuổi 163 4,4532 0,68178 82 4,0865 0,63405 Trên 23 tuổi Toàn 245 4,2245 0,77634 Học vấn 0,025 Có trình độ trung học phổ thơng trở lên 224 4,4127 0,58824 Khác 21 4,1987 0,68682 Toàn 245 4,2245 0,77634 Nguồn: Kết điều tra xã hội học 2021 nhóm nghiên cứu - Với độ tuổi, có nhóm khác biệt: Nhóm có độ tuổi từ 22 trở xuống có ý định sử dụng ví điện tử cao so với có độthảo tuổi luận 22 nhóm Tóm tắt kếttuổi nghiên cứu - Với độ văn hóa, nhóm 4.1 trình Đặc điểm mẫu điều tra có trình độ trung học phổ thơng trở lên có ý định sử dụng ví điện tử cao Trong tổng số 245 người trả lời phiếu điều tra hợp lệ 99thì : Số 308(2) tháng 2/2023 - Nam có 63 người (chếm 25,7%), nữ có 182 người (chiếm 74,3%) - Nhóm tuổi trả lời nhiều nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can nhóm khác Tóm tắt thảo luận kết nghiên cứu 4.1 Đặc điểm mẫu điều tra Trong tổng số 245 người trả lời phiếu điều tra hợp lệ thì : - Nam có 63 người (chếm 25,7%), nữ có 182 người (chiếm 74,3%) - Nhóm tuổi trả lời nhiều nhóm có tuổi từ 23 tuổi trở xuống với 163 người (chiếm 66,5%) Nhóm 23 tuổi (chiếm 33,5%) - Người có thu nhập bình quân hàng tháng triệu đồng tham gia trả lời nhiều chiếm 51,8% Tiếp theo nhóm có thu nhập từ đến 10 triệu đồng chiếm 30,6% 11 đến 20 triệu đồng chiếm 12,7% Nhóm có thu nhập 20 triệu đồng/tháng có người tham gia chiếm 4,9% - Người dùng ví điện tử tham gia khảo sát có trình độ học vấn từ phổ thơng trung học trở lên chiếm 91%, đó, người có trình độ cao đẳng trở lên chiếm 61,6% 4.2 Thảo luận kết nghiên cứu Thứ nhất, mô hình nhân tố ảnh hưởng đến ý định sử dụng ví điện tử người dân miền bắc Việt Nam tổng hợp đề xuất hoàn toàn phù hợp với điều kiện miền bắc nước ta Thứ hai, bốn giả thuyết (H1, H2, H3, H4) gắn liền với biến (T, PR, PU PEOU) hỗ trợ mơ hình nghiên cứu Riêng ba biến “Sự tin tưởng” (T), “Nhận thức tính hữu ích” (PU) “Nhận thức tính dễ sử dụng” (PEOU) có ảnh hưởng tích cực đến biến phụ thuộc hệ số Beta chuẩn hóa ba biến có giá trị dương (0,224; 0,434 0,108) với giá trị Sig nhỏ 0,05 Điều có nghĩa ba nhân tố tăng lên, ý định sử dụng ví điện tử người dân miền Bắc nước ta tăng lên Thứ ba, riêng yếu tố “Nhận thức rủi ro” (PR) có giá trị Beta chuẩn hóa âm (-0,227) với giá trị Sig 0,000 nhỏ 0,05 chứng tỏ biến có ảnh hưởng tiêu cực tới biến phụ thuộc Điều có nghĩa nhận thức rủi ro tăng lên, ý định sử dụng ví điện tử người dân miền Bắc nước ta giảm Thứ tư, số yếu tố tác động tích cực nêu trên, yếu tố “Nhận thức tính hữu ích” có tác động mạnh nhất, có hệ số Beta chuẩn hóa cao (0,434) Yếu tố có tác động thấp yếu tố “Nhận thức tính dễ sử dụng” có hệ số Beta chuẩn hóa thấp (0,108) Thứ năm, hệ số bình phương R điều chỉnh có giá trị 0,501, có nghĩa mơ hình giải thích 50,1% mối quan hệ yếu tố ảnh hưởng đến ý định sử dụng ví điện tử người dân miền Bắc nước ta Thứ sáu, có biến có khác biệt nhóm người có ý định sử dụng ví điện tử giới tính, tuổi, trình độ học vấn Trong đó, nam giới có ý định sử dụng ví điện tử cao nữ giới Đây điểm đặc biệt cần nghiên cứu sâu thời gian tới Nhóm có độ tuổi trẻ từ 22 trở xuống, theo học trường đại học, cao đẳng, trung cấp, trung học phổ thơng có ý định sử dụng ví điện tử cao nhóm lại Đây đối tượng trẻ tương lai hãng phát hành ví điện tử Kết luận khuyến nghị Từ kết nghiên cứu nêu nhóm tác giả có số khuyến nghị sau: Thứ nhất, tổ chức phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử cần trọng đến việc gia tăng tính hữu ích ví điện tử Đây điểm quan trọng, có đến 80 % người hỏi trả câu hỏi vấn cho mục đích việc sử dụng ví điện tử họ lý lợi ích kinh tế Như vậy, ngồi tiện lợi khả tốn nhiều nơi, tiết kiệm thời gian giao dịch, người dân sử dụng ví điện tử cịn quan tâm đến lợi ích kinh tế thiết thực dịch vụ hàng hóa đa dạng, chi phí giao dịch thấp, thường có ưu đãi, giảm giá Thứ hai, tổ chức phát hành cung cấp dịch vụ ví điện tử cần đầu tư nghiên cứu nhằm nâng cao tính bảo mật thông tin hệ thống công nghệ áp dụng giúp tăng cường lịng tin, giảm bớt rủi ro xảy liên quan tới bảo mật thơng tin hay mát khác xảy từ phía người tiêu dùng sử dụng ví điện tử Nâng cấp hệ thống cơng nghệ nhằm tăng khả bảo mật thông tin tất cần đến nội vận hành có chất lượng kỹ quản lý tốt để vận hành hệ thống sử dụng công cụ gắn liền với hệ thống nâng cấp Các tổ chức nêu cần nâng cao lực it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Số 308(2) tháng 2/2023 100 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can đội ngũ nhân vận hành chuyên trách nhằm hỗ trợ cho khách hàng q trình sử dụng ví điện tử it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the toug Thứ ba, cần nâng cao chuyên nghiệp trung tâm dịch vụ khách hàng tổ chức phát hành cung cấp dịch vụ ví điện tử nhằm giảm bớt vấn đề, khó khăn mà khách hàng gặp phải sử dụng ví điện tử nhờ tăng tin tưởng họ thông qua tiếp xúc gọi điện tới nhân viên called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba Thứ tư, tổ chức phát hành ví điện tử tổ chức cung cấp dịch vụ ví điện tử cần gia tăng tiện ích tích hợp ví điện tử để mặt gia tăng lợi ích, mặt khác gia tăng lòng tin tạo thuận tiện cho người dân sử dụng ví điện tử, chí tiết giảm phần lợi nhuận để khuyến khích người tiêu dùng sử dụng ví điện tử brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep la man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy Thứ năm, tổ chức phát hành ví điện tử đơn vị cung cấp dịch vụ ví điện tử cần thực giải pháp nhằm giảm thiểu rủi ro sử dụng ví điện tử áp dụng công nghệ vào bảo vệ tài khoản, bảo mật thông tin khách hàng, nâng cao trách nhiệm đội ngũ bán hàng, dịch vụ viên harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.” Tài liệu tham khảo Ajzen, I (1985), From intentions to actions: A theory of planned behavior, Heidelberg: Springer Barone, M.J & Miniard, P.W (1999), ‘How and when factual ad claims mislead consumers: Examining the deceptive consequences of interactions for partial comparative advertisements’, Journal of Consumer Research, 36, 58-74 Chen, Y.H.H & Corkindale, D (2008), Towards an understanding of the behavioral intention to use online news services: an exploratory study, truy cập lần cuối ngày 25 tháng năm 2022, từ Davis, F.D (1989), ‘Perceived usefulness, perceived ease of use, and user acceptance of information technology’, MIS Quarterly, 13(3), p.319 Delafrooz, N., Paim, L.H & Khatibi, A (2011), ‘Understanding consumer’s internet purchase intention in Malaysia’, African Journal of Business Management, 5(3), 2837-2846 Gefen, D (2000), ‘E-commerce: the role of familiarity and trust’, The International Journal of Management Science, 28(6), 725-737. Hair, J.F (2010), Multivariate data analysis: A global perspective, Upper Saddle River, NJ: Pearson Education Hair, J.F., Black, W.C., Babin, B.J., Anderson, R.E & Tatham, R.L (1998), Multivariate data analysis, Upper Saddle River, NJ: Prentice Hall Juyal, P (2011), Types of digital wallets: A detailed giude, truy cập ngày 19 tháng năm 2022, từ Kim, C., Tao, W., Shin, N & Kim, K.S (2014), ‘An empirical study of customers’ perceptions of security and trust in e-payment systems’, Electronic Commerce Research and Applications, 9(1), 84-95 Lê Văn Huy & Trương Trần Trâm Anh (2012), Giáo trình phương pháp nghiên cứu kinh doanh, Nhà xuất Tài Nam Khánh (2021), Việt Nam chiến trường nóng bỏng Ví điện tử, MOMO dẫn đầu, bỏ xa quân VIETTELPAY (2021), truy cập ngày 19 tháng năm 2022, từ Shaw, N (2014), ‘The mediating influence of trust in the adoption of the mobile wallet’, Journal of Retailing and Consumer Services, 21(4), 449-459 Tarip, N & Eddaoudi, B (2009), ‘Assessing the effect of trust and security factors on consumers’ willingness for online shopping among the urban moroccans’, International Journal of Business and Management Science, 2(1), 17-32 Yang, Q., Pang, C., Liu, L., Yen, D.C & Tarn, J.M (2015), ‘Exploring consumer perceived risk and trust for online payments: An empirical study in China’s younger generation’, Computers in Human Behavior, 50, 9-24 Số 308(2) tháng 2/2023 101 He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish In the first forty days a boy had been with him But after forty days without a fish the boy’s parents had told him that the old man was now definitely and finally salao, which is the worst form of unlucky, and the boy had gone at their orders in another boat which caught three good fish the first week It made the boy sad to see the old man come in each day with his skiff empty and he always went down to help him carry either the coiled lines or the gaff and harpoon and the sail that was furled around the mast The sail was patched with flour sacks and, furled, it looked like the flag of permanent defeat The old man was thin and gaunt with deep wrinkles in the back of his neck The brown blotches of the benevolent skin cancer the sun brings from its [9] reflection on the tropic sea were on his cheeks The blotches ran well down the sides of his face and his hands had the deep-creased scars from handling heavy fish on the cords But none of these scars were fresh They were as old as erosions in a fishless desert Everything about him was old except his eyes and they were the same color as the sea and were cheerful and undefeated “Santiago,” the boy said to him as they climbed the bank from where the skiff w We’ve made some money.” The old man had taught the boy to fish and the boy loved him “No,” the old man said “You’re with a lucky boat Stay with them.” “But remember how you went eighty-seven days without fish and then we caught big ones every day for three weeks.” “I remember,” the old man said “I know you did not leave me because you doubted.” “It was papa made me leave I am a boy and I must obey him.” “I know,” the old man said “It is quite normal.” “He hasn’t much faith.” [10] “No,” the old man said “But we have Haven’t we?” ‘Yes,” the boy said “Can I offer you a beer on the Terrace and then we’ll take the stuff home.” “Why not?” the old man said “Between fishermen.” They sat on the Terrace and many of the fishermen made fun of the old man and he was not angry Others, of the older fishermen, looked at him and were sad But they did not show it and they spoke politely about the current and the depths they had drifted their lines at and the steady good weather and of what they had seen The successful fishermen of that day were already in and had butchered their marlin out and carried them laid full length across two planks, with two men Ernest Hemingway The Old Man and the Sea staggering at the end of each plank, to the fish house where they waited for the ice truck to carry them to the market in Ha taken them to the shark factory on the other side of the cove where they were hoisted on a block and tackle, their livers removed, their fins cut off and their hides skinned out and their flesh cut into strips for salting When the wind was in the east a smell came across the harbour from the shark factory; but today there [11] was only the faint edge of the odour because the wind had backed into the north and then dropped off and it was pleasant and sunny on the Terrace “Santiago,” the boy said “Yes,” the old man said He was holding his glass and thinking of many years ago “Can I go out to get sardines for you for tomorrow?” “No Go and play baseball I can still row and Rogelio will throw the net.” “I would like to go If I cannot fish with you I would like to serve in some way.” “You bought me a beer,” the old man said “You are already a man.” “How old was I when you first took me in a boat?” “Five and you nearly were killed when I brought the fish in too green and he nearly tore the boat to pieces Can you remember?” “I can remember the tail slapping and banging and the thwart breaking and the noise of the clubbing I can remember you throwing me into the bow where the wet coiled lines were and feeling the whole boat shiver and the noise of you clubbing him like chopping a tree down and the sweet blood smell all over me.” [12] “Can it to you?” “I remember everything from when we first went together.” The old man looked at him with his sun-burned, confident loving eyes “If you were my boy I’d take you out and gamble,” he said “But you are your father’s and your mother’s and you are in a lucky boat.” “May I get the sardines? I know where I can get four baits too.” “I have mine left from today I put them in salt in the box.” “Let me get four fresh ones.” “One,” the old man said His hope and his confidence had never gone But now they were freshening as when the breeze rises “Two,” the boy said “Two,” the old man agreed “You didn’t steal them?” “I would,” the boy said “But I bought these.” “Thank you,” the old man said He was too simple to wonder when he had attained humility But he [13] knew he had attained it and he knew it was not disgraceful and it carried no loss of true pride “Tomorrow is going to be a good day with this current,” he said “Where are you going?” the boy asked “Far out to come in when the wind shifts I want to be out before it is light.” “I’ll try to get him to work far out,” the boy said “Then if you hook something truly big we can come to your aid.” “He does not like to work too far out.” “No,” the boy said “But I will see something that he cannot see such as a bird working and get him to come out after dolphin.” “Are his eyes that bad?” “He is said “He never went turtle-ing That is what kills the eyes.” “But you went turtle-ing for years off the Mosquito Coast and your eyes are good.” Ernest Hemingway The Old Man and the Sea “I am a strange old man” “But are you strong enough now for a truly big fish?” “I think so And there are many tricks.” [14] “Let us take the stuff home,” the boy said “So I can get the cast net and go after the sardines.” They picked up the gear from the boat The old man carried the mast on his shoulder and the boy carried the wooden boat with the coiled, hard-braided brown lines, the gaff and the harpoon with its shaft The box with the baits was under the stern of the skiff along with the club that was used to subdue the big fish when they were brought alongside No one would steal from the old man but it was better to take the sail and the heavy lines home as the dew was bad for them and, though he was quite sure no local people would steal from him, the old man thought that a gaff and a harpoon were needless temptations to leave in a boat They walked up the road together to the old man’s shack and went in through its open door The old man leaned the mast with its wrapped sail against the wall and the boy put the box and the other gear beside it The mast was nearly as long as the one room of the shack The shack was made of the tou called guano and in it there was a bed, a table, one chair, and a place on the dirt floor to cook with charcoal On the brown walls of the flattened, overlapping leaves of the sturdy fibered [15] guano there was a picture in color of the Sacred Heart of Jesus and another of the Virgin of Cobre These were relics of his wife Once there had been a tinted photograph of his wife on the wall but he had taken it down because it made him too lonely to see it and it was on the shelf in the corner under his clean shirt “What you have to eat?” the boy asked “A pot of yellow rice with fish Do you want some?” “No I will eat at home Do you want me to make the fire?” “No I will make it later on Or I may eat the rice cold.” “May I take the cast net?” “Of course.” There was no cast net and the boy remembered when they had sold it But they went through this fiction every day There was no pot of yellow rice and fish and the boy knew this too “Eighty-five is a lucky number,” the old man said “How would you like to see me bring one in that dressed out over a thousand pounds?” “I’ll get the cast net and go for sardines Will you sit in the sun in the doorway?” [16] “Yes I have yesterday’s paper and I will read the baseball.” The boy did not know whether yesterday’s paper was a fiction too But the old man brought it out from under the bed “Perico gave it t back when I have the sardines I’ll keep yours and mine together on ice and we can share them in the morning When I come back you can tell me about the baseball.” “The Yankees cannot lose.” “But I fear the Indians of Cleveland.” “Have faith in the Yankees my son Think of the great DiMaggio.” “I fear both the Tigers of Detroit and the Indians of Cleveland.” “Be careful or you will fear even the Reds of Cincinnati and the White Sax of Chicago.” “You study it and tell me when I come back.” “Do you think we should buy a terminal of the lottery with an eighty-five? Tomorrow is the eighty-fifth day.” “We can that,” the boy said “But what about the eighty-seven of your great record?” [17] “It could not happen twice Do you think you can find an eighty-five?” Ernest Hemingway The Old Man and the Sea “I can order one “One sheet That’s two dollars and a half Who can we borrow that from?” “That’s easy I can always borrow two dollars and a half.” “I think perhaps I can too But I try not to borrow First you borrow Then you beg.” “Keep warm old man,” the boy said “Remember we are in September.” “The month when the great fish come,” the old man said “Anyone can be a fisherman in May.” “I go now for the sardines,” the boy said When the boy came back the old man was asleep in the chair and the sun was down The boy took the over the back of the chair and over the old man’s shoulders They were strange shoulders, still powerful although very old, and the neck was still strong too and the creases did not show so much when the old man was asleep and his head fallen forward His shirt had been patched so many times that it was like the sail and the patches were faded to many different shades by the sun The [18] old man’s head was very old though and with his eyes closed there was no life in his face The newspaper lay across his knees and the weight of his arm held it there in the evening breeze He was barefooted The boy left him there and when he came back the old man was still asleep “Wake up old man,” the boy said and put his hand on one of the old man’s knees The old man opened his eyes and for a moment he was coming back from a long way away Then he smiled “What have you got?” he asked “Supper,” said the boy “We’re going to have supper.” “I’m not very hungry.” “Come on and eat You can’t fish and not eat.” “I have,” the old man said getting up and taking the newspaper and folding it Then he started to fold the blanket “Keep the blanket around you,” the boy said “You’ll not fish without eating while I’m alive.” “Then live a long time and take care of yourself,” the old man said “What are we eating?” “Black beans and rice, fried ba brought them in a two-decker metal container from the Terrace The two sets of knives and forks and spoons were in his pocket with a paper napkin wrapped around each set “Who gave this to you?” “Martin The owner.” “I must thank him.” “I thanked him already,” the boy said “You don’t need to thank him.” “I’ll give him the belly meat of a big fish,” the old man said “Has he done this for us more than once?” “I think so.” “I must give him something more than the belly meat then He is very thoughtful for us.” “He sent two beers.” “I like the beer in cans best.” “I know But this is in bottles, Hatuey beer, and I take back the bottles.” “That’s very kind of you,” the old man said “Should we eat?” “I’ve been asking you to,” the boy told him gently “I have not wished to open the container until you were ready.” [20] “I’m ready now,” the old man said “I only needed time to wash.” Where did you wash? the boy thought The village water supply was two streets down the road I must have water here for him, the boy thought, and soap and a good towel Why am I so Ernest Hemingway The Old Man and the Sea thoughtless? I must get him another shirt and a jacket for the winter and some sort of shoes and another blanket “Your stew is excellent,” the old man said “Tell me about the baseball,” the boy asked him “In the American League it is the Yan “They lost today,” the boy told him “That means nothing The great DiMaggio is himself again.” “They have other men on the team.” “Naturally But he makes the difference In the other league, between Brooklyn and Philadelphia I must take Brooklyn But then I think of Dick Sisler and those great drives In the old park.” “There was nothing ever like them He hits the longest ball I have ever seen.” “Do you remember when he used to come to the Terrace?” [21] “I wanted to take him fishing but I was too timid to ask him Then I asked you to ask him and you were too timid.” “I know It was a great mistake He might have gone with us Then we would have that for all of our lives.” “I would like to take the great DiMaggio fishing,” the old man said “They say his father was a fisherman Maybe he was as poor as we are and would understand.” “The great Sisler’s father was never poor and he, the father, was playing in the Big Leagues when he was my age.” “When I was your age I was before the mast on a square rigged ship that ran to Africa and I have seen lions on the beaches in the evening.” “I know You told me.” “Should we talk about Africa or about baseball?” “Baseball I think,” the boy said “Tell me about the great John J McGraw.” He said Jota for J “He used to come to the Terrace sometimes too in the older days But he was rough and drinking His mind was on horses as well as baseball At least he carried lists of [22] horses at all times in his pocket and frequently spoke the names of horses on the telephone.” “He was a great manager,” the boy said “My father thinks he was the greatest.” “Because he came here the most times,” the old man said “If Durocher had continued to come here each year your father would think him the greatest manager.” “Who is the greatest manager, really, Luque or Mike Gonzalez?” “I think they are equal.” “And the best fisherman is you.” “No I know others better.” “Que Va,” the boy said “There are many good fishermen and some great ones But there is only you.” “Thank you You make me happy I hope no fish will come along so great that he will prove us wrong.” “There is no such fish if you are still strong as you say.” “I may not be as strong as I think,” the old man said “But I know many tricks and I have resolution.” “You ought to go to bed now so that you will be fresh in the morning I will take the things back to the Terrace.” [23] “Good night then I will wake you in the morning.” “You’re my alarm clock,” the boy said Ernest Hemingway The Old Man and the Sea “Age is my alarm clock,” the old man said “Why old men wake so early? Is it to have one longer day?” “I don’t know,” the boy said “All I know is that young boys sleep l man said “I’ll waken you in time.” “I not like for him to waken me It is as though I were inferior.” “I know.” “Sleep well old man.” The boy went out They had eaten with no light on the table and the old man took off his trousers and went to bed in the dark He rolled his trousers up to make a pillow, putting the newspaper inside them He rolled himself in the blanket and slept on the other old newspapers that covered the springs of the bed He was asleep in a short time and he dreamed of Africa when he was a boy and the long golden beaches and the white beaches, so white they hurt your eyes, and the high capes and the great brown mountains He lived along that coast now every night and in his dreams he heard the surf roar and saw the native boats [24] come riding through it He smelled the tar and oakum of the deck as he slept and he smelled the smell of Africa that the land breeze brought at morning Usually when he smelled the land breeze he woke up and dressed to go and wake the boy But tonight the smell of the land breeze came very early and he knew it was too early in his dream and went on dreaming to see the white peaks of the Islands rising from the sea and then he dreamed of the different harbours and roadsteads of the Canary Islands He no longer dreamed of storms, nor of women, nor of great occurrences, n strength, nor of his wife He only dreamed of places now and of the lions on the beach They played like young cats in the dusk and he loved them as he loved the boy He never dreamed about the boy He simply woke, looked out the open door at the moon and unrolled his trousers and put them on He urinated outside the shack and then went up the road to wake the boy He was shivering with the morning cold But he knew he would shiver himself warm and that soon he would be rowing The door of the house where the boy lived was unlocked and he opened it and walked in quietly with his [25] bare feet The boy was asleep on a cot in the first room and the old man could see him clearly with the light that came in from the dying moon He took hold of one foot gently and held it until the boy woke and turned and looked at him The old man nodded and the boy took his trousers from the chair by the bed and, sitting on the bed, pulled them on The old man went out the door and the boy came after him He was sleepy and the old man put his arm across his shoulders and said, “I am sorry.” “Qua Va,” the boy said “It is what a man must do.” They walked down the road to the old man’s shack and all along the road, in the dark, barefoot men were moving, carrying the masts of their boats When they reached the old man’s shack the boy harpoon and gaff and the old man carried the mast with the furled sail on his shoulder “Do you want coffee?” the boy asked “We’ll put the gear in the boat and then get some.” They had coffee from condensed milk cans at an early morning place that served fishermen “How did you sleep old man?” the boy asked He [26] was waking up now although it was still hard for him to leave his sleep “Very well, Manolin,” the old man said “I feel confident today.” “So I,” the boy said “Now I must get your sardines and mine and your fresh baits He brings our gear himself He never wants anyone to carry anything.” “We’re different,” the old man said “I let you carry things when you were five years old.”