An Empirical Investigation of Usage Intention and Post-usage of Internet Banking in Vietnam

• Main Authors: Nguyen Thuy-Nga, 阮翠娥
• Other Authors: none
• Format: Others
• Language: en_US
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/69nt86

碩士 === 國立高雄第一科技大學 === 國際管理碩士學位學程 === 101 === The developments in information technology and telecommunications have set in motion an electronic revolution in today’s banking industry including Vietnam’s banking sector. This in turn results new delivery channels for banking products and services such as Automatic Teller Machine (ATM), telephone banking, cable television banking, Personal computer banking (PC), and Internet banking. Nowadays, Internet banking is becoming a new trend in the world’s banking industry; also, Internet banking in Vietnam has been marking a significant development in recent years. Therefore, the primary purpose of this study is to examine the relationship between usage intention and post-usage response of Internet Banking in Vietnam and additionally use self-efficacy as a moderator to this relationship. The study targeted at the consumers who have experiences of using Internet Banking in Hanoi and Ho Chi Minh City. A questionnaire survey was conducted with valid 238 samples and structure equation model analysis was adopted to verify the validation of overall framework and hypotheses of this study. The findings of this study reveal that two important factors of the Technology Acceptance Model (TAM) (i.e. perceived usefulness and perceived ease of use) iii significantly influence behavioral intention; conversely, perceived credibility has not significant impact on behavioral intention to use internet banking. The results also indicate that behavioral intention significantly influences customer participation, and customer participation also has significant effects on satisfaction and loyalty respectively. At last, self-efficacy as a moderator has positive effect of behavioral intention on customer participation in the context of internet banking.