本研究探討數位金融能力（Digital Financial Capability, DFC）、財務建議尋求行為（Financial Advice Seeking, FD）與財務焦慮（Financial Anxiety, FX）如何影響越南消費者的財務滿意度（Financial Satisfaction, FS），並以電子錢包使用（E-Wallet Usage, EWU）作為中介變數。本研究採用量化研究設計，並運用偏最小平方法結構方程模型（Partial Least Squares Structural Equation Modeling, PLS-SEM），分析312位活躍電子錢包使用者的樣本資料。研究結果顯示，數位金融能力與財務建議尋求行為皆能顯著提升電子錢包使用與財務滿意度；相反地，財務焦慮對電子錢包使用與財務滿意度皆具有顯著負向影響。研究結果進一步證實，電子錢包使用具有顯著的部分中介效果，是將認知與心理前因轉化為感知財務福祉的重要行為路徑，並透過改善日常財務組織與控制感來影響消費者的財務滿意度。因此，本研究建議金融科技業者與監管機關應從單純追求電子錢包採用規模，轉向促進安全且具能力基礎的使用模式，並透過強化數位金融能力與建立完善的詐欺防範機制，提升消費者的財務福祉。

This study examines how digital financial capability (DFC), financial advice seeking (FD), and financial anxiety (FX) influence the financial satisfaction (FS) of Vietnamese consumers, with e-wallet usage (EWU) serving as a mediating variable. Using a quantitative design and Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze a sample of 312 active e-wallet users, the research confirms that DFC and FD significantly enhance both EWU and FS, while FX exerts a significant negative influence on both constructs. The findings demonstrate that e-wallet usage functions as a substantial partial mediator, which is a critical behavioral pathway that translates cognitive and psychological antecedents into perceived financial well-being through improved daily organization and control. Consequently, the study advocates for a strategic shift among fintech providers and regulators from merely prioritizing adoption scale to fostering safe, competent usage through the development of digital financial capabilities and a robust fraud-prevention framework.

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