Vietnam has the concrete socio – eco characteristics as low General Domestic Product (GDP) per capita, not high people’s education level, undeveloped information infrastructure and long – standing consumers’ habit of cash, etc…However, given its enormous market opportunities and intensified competition, Vietnam is mentioned as a fast – growing emerging market offering great chances to advance practices in accepting developed services. The study’s aim is to find factors affecting to customer’s intention in using internet banking of Vietnamese, which results propose recommendations to managers of motivating customer intension as well as improving internet banking services. The study integrates the technology acceptance model and theory of planned behavior with an additional construct called customer service to be suitable with conditions of Vietnam. The findings support that the intention to adopt internet banking in Vietnam emerging economy are predicted by 6 factors, namely perceived ease to use, perceived usefulness, customer service, customer satisfaction, subjective norm and perceived behavior control, wherein subjective norm, perceived behavior control and customer satisfaction were the strong – influencing indicators of adopting internet banking. The study’s results show that the proposed model has a good explanatory power and confirms its robustness in predicting customers' intentions to adopt Internet banking. The study broadens and deepens understandings of factors contributing to the development of internet banking, especially for an emerging country such as Vietnam.
Solar cells built with arrays of semiconductor wires have been studied for several years. They present some potential advantages over their bulk counterparts, such as (much) less use of semiconductor material, as well as improved light absorption properties. Most wirebased solar cells are fabricated with arrays of semiconductor p−n junctions, either radial or axial. Here, using a newly developed random connection process based on nickel silicide nanowires, we have built Schottky-type solar cells on interdigitated base and emitter coplanar electrodes that reach an efficiency of 6.5% when only 64% of the footprint area of the device is covered with p-type Si wire light-absorbers. To the best of our knowledge, this is the best efficiency reported so far for a Schottky-type wire-based solar cell; a simple extrapolation of the surface area suggests that an efficiency of more than 10% can be reached, which is comparable to that of single-junction hydrogenated amorphous Si cells. We also compare the Schottky-type cell with a "control" p−i−n one using the same device layout and the same nickel silicide nanowire random connection process: the efficiency of the p−i−n cell is higher (∼8%) but this is due to a higher V OC , the short-circuit current density (I SC ) being very similar in both cases, close to 20 mA/cm 2 . The maximum temperature reached throughout the fabrication process of the cells (whether Schottky-type or p−i−n) is 550 °C, corresponding to the growth of the crystalline Si wires. Altogether, the results presented here hold promises toward cheap photovoltaics based on the use of randomly organized and randomly connected Si wire arrays.
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