Fintech and Banking: Evidence from Vietnam

Lien, Nguyen Thi Kim; Doan, Thu-Trang Thi; Bui, Toan Ngoc

doi:10.13106/jafeb.2020.vol7.no9.419

Cited by 40 publications

(37 citation statements)

References 28 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In this research, PE refers to the degree to which customers are at ease and willing to learn how to utilise the P2P lending platform. In previous studies, scholars have shown a substantial relationship between PE and attitudes toward new technology adoption in fintech and banking [16], smart home application [18], smart application for learning [19], Uber mobile application [20], mobile P2P lending application [12], mobile banking [21]. Furthermore, PE had an impact significantly on PU in new technology adoption intention on mobile learning [22],…”

Section: ) Perceived Usefulnessmentioning

confidence: 98%

“…TAM could be a fundamental model that can be changed or expanded in a variety of ways. As a result, numerous modifications, including other theories, have emerged intending to analyse fintech, as prior researches on mobile P2P lending applications [12], fintech services for bank users [15], and fintech and banking [16].…”

Section: B Hypotheses Development and The Proposed Modelmentioning

confidence: 99%

“…In this research, PU refers to the fact that consumers prefer to utilise the service if they believe that the P2P lending platform will have a positive impact [12]. Extensive empirical research on information technology adoption over the last decade has revealed that PU may have a beneficial influence on consumer's intentions toward fintech and banking [16], mobile wallet [17], smart-home-application [18], smart-application for learning [19] and Uber mobile application [20]. As a result, the following hypothesis was proposed:…”

Section: ) Perceived Usefulnessmentioning

confidence: 99%

See 2 more Smart Citations

Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption

Sunardi

Suhud

Purwana

et al. 2021

JISEBI

View full text Add to dashboard Cite

Background: Peer-to-peer (P2P) lending platform is one of key disruptive business models in financial technology. It bridges lenders and borrowers directly. Researchers have studied the leverage mechanism behind the P2P lending platform.Objective: This research proposes an enhanced technology acceptance model (TAM) to investigate how consumers embrace P2P lending platforms using quality of service and perceived risk as drivers of trust.Methods: This research uses structural equation modeling (SEM) to test the hypothesised connections between the latent variables.Results: The findings show that users' trust, perceived usefulness, and perceived ease of use in P2P lending platforms significantly influence attitudes towards adoption. Meanwhile, consumers' perceived risk in using P2P lending platforms is unaffected by the quality of service.Conclusion: The estimated model is consistent with the results shown in previous studies. The findings of the current research are useful for fine-tuning platform marketing plans and putting strategic goals into actions. For future research, we suggest including more variables to better understand the adoption intention of P2P lending platforms.Keywords: Adoption intention, Peer-to-peer lending, Structural equation modeling, Technology acceptance model

show abstract

Section: ) Perceived Usefulnessmentioning

confidence: 98%

Section: B Hypotheses Development and The Proposed Modelmentioning

confidence: 99%

Section: ) Perceived Usefulnessmentioning

confidence: 99%

See 1 more Smart Citation

Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption

Sunardi

Suhud

Purwana

et al. 2021

JISEBI

View full text Add to dashboard Cite

show abstract

“…E-commerce activity has also grown significantly this year due to the epidemic, with total visits to shopping apps reaching 12.7 billion in the second quarter of 2020 and an increase of 43% quarter-to-quarter. In addition, Vietnamese banks have accelerated digital adoption, partnering with fintech companies to enhance related financial transactions (Nguyen, Doan, & Bui, 2020).…”

Section: Introductionmentioning

confidence: 99%

Factors influence ease of use on Fintech adoption: Mediating by the role of attachment anxiety under Covid-19 pandemic

2021

HCMCOUJS - ECONOMICS AND BUSINESS ADMINISTRATION

View full text Add to dashboard Cite

In recent times, Fintech has developed rapidly along with the development of technology. The Covid-19 lockdown has created a huge opportunity in terms of increasing the number of users, and users’ experience. Previous studies have shown a number of factors affecting the use of financial technology services. However, what are the factors that are caused by the Covid-19 epidemic, and the ability to enhance competitive advantage and retain users is still lacking. Data were collected in Vietnam, comprising 247 respondents, and the SEM model was used to predict the effects. This study shows that users' users’ beliefs, security and privacy, web design of Fintech services, customer value, and attachment anxiety during prolonged lockdown without a feasible solution to date increase intention to adopt Fintech. Both theoretical and practical applications were discussed in this study.

show abstract

“…One example of the use of information technology in financial institutions is the use of fintech. Lien et al (2020) examines fintech in Vietnam, which is a developing country with a relatively new fintech service. The research results show that fintech services are very important for the banking sector in Vietnam.…”

mentioning

confidence: 99%

Factors Determining Intention to Use Banking Technology in Indonesian Islamic Microfinance

Wibowo¹,

Ismail²,

Tohirin³

et al. 2020

JAFEB

View full text Add to dashboard Cite

This study aims to determine the perceptions of Islamic Financial Cooperative (BMT) managers in the Indonesian BMT Association on the acceptance of core banking technology. The Technology Acceptance Model (TAM) is used because it has simple theoretical characteristics (parsimony) and is supported by data (verifiability). This study develops the TAM model by integrating new variables -perceptions of maqashid sharia, perceptions of economies of scale, perceptions of market structure, and perceptions of technology procurement costs. These new variables are used to measure intention in using technology and actual usage in BMT operations. This study used PLS-SEM with smartPLS 3. The study was conducted in Central Java in six ex-Residency at 35 BMT with 300 respondents consisting of six levels of position level. The research found that maqashid sharia and market structure directly influenced the intention of BMT managers in using core banking technology. This new finding strengthens a theoretical model regarding the role of maqashid sharia in the acceptance of information technology in BMT. In addition, the perception of economies of scale has no significant effect on intention in using technology or its actual usage. The perception variable of technology procurement costs was found to have no significant effect on intention in using technology.

show abstract

Fintech and Banking: Evidence from Vietnam

Cited by 40 publications

References 28 publications

Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption

Examining the Factors Contributing to Fintech Peer-to-peer Lending Adoption

Factors influence ease of use on Fintech adoption: Mediating by the role of attachment anxiety under Covid-19 pandemic

Factors Determining Intention to Use Banking Technology in Indonesian Islamic Microfinance

Contact Info

Product

Resources

About