The Factors Affecting Internet Banking Adoption: The Case Study in Vietnam

• Main Authors: Nguyen, Thi Huyen Ngan, 阮氏玄銀
• Other Authors: Tsan, Chia-Chi
• Format: Others
• Language: en_US
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/z779uh

碩士 === 龍華科技大學 === 企業管理系碩士班 === 104 === Internet banking is one of the cutting edge services of banks nowadays. As a matter of fact, ratio of Internet banking users in Vietnam, comparing with other countries such as Singapore, Malaysia, is not high. Therefore, this study aims to develop a model of the factors affecting intention to use Internet banking as well as to measure the impact degree of these factors on the intention. 210 valid samples were collected, giving a response rate of 75 percent. Collected data were analyzed by using Statistical Package for the Social Sciences (SPSS) version 22.0. The regression result showed that five groups of factors are affecting the intention to adopt Internet banking. In which, the most powerful factor is trust, followed by security, perceived ease of use, perceived usefulness and the last is privacy. In contrast, the hypothesis of government support was found to be not significant. Base on original Technology Acceptance Model (TAM), this study added other factors to existing variables used in TAM. This model as a result from research under Vietnamese perspective, can be applied to other developing countries which are relatively new to online banking. Besides theoretical implications, this study also provided some guidance for banking managers in improvement Internet banking services. Banks of operators should focus more on creating the sense of trust among customers and enhancing more on the security of the system. In addition, bank of operators should improve privacy and security to increase customer’s trust in the sensitive environment of Internet banking. Bank of operators could simplify interface as well as tasks on their website for ease of use. Lastly, bank of operators should create useful characteristics and enhance customers’ awareness about them.