Determinants of Digital Banking Services in Vietnam: Applying UTAUT2 Model

Asian Economic and Financial Review

article

Thuy Thu Nguyen¹  Hien Thi Nguyen²  Hong Thi Mai¹  Tram Thi Minh Tran¹ 

[1] Faculty of Banking and Finance, Foreign Trade University;Vietnam-Japan Institute for Human Resource Department ,(VJCC), Foreign Trade University

关键词: Digital banking;    Banking innovation;    Technology acceptance;    Behavioural intention;    Usage intention;    UTAUT2.;   

DOI  :  10.18488/journal.aefr.2020.106.680.697

学科分类：社会科学、人文和艺术（综合）

来源: Asian Economic and Social Society

【 摘 要 】

Digital banking is one of the latest applications that integrates all services of traditional banks via digitized technology. Its pivotal role in the development of banking industry has been recently recognized, especially in emerging countries such as Vietnam. This paper identified the determinants of Vietnamese consumers’ behavioural intention to adopt or use digital banking . By using the Modified Unified Theory of Acceptance and Use of Technology (UTAUT2), the eight constructing factors have been selected to examine their influences on the Vietnamese customers’ behaviour: performance expectancy (PE), effort expectancy (EE), social influences (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (HT), and trust (TR). The findings suggested that performance expectancy, effort expectancy, hedonic motivation, habit, and trust significantly and positively influence the behavioural intention of digital banking services. The intention of adoption services, together with habit and facilitating conditions are three significant factors capturing the usage intention under the context of Vietnam. The empirical results not only made a valuable contribution to the existing research on banking innovation, but also provided benefits to policy-makers, bank supervisors, and bank managers concerning how to develop and improve the customers’ recognition and intention to use new banking services.

【 授权许可】

CC BY