Structural Models for E-Banking Adoption in Vietnam

Abstract

E-banking is seen as the newest delivery channel for banking services in many developed countries and is believed to have a significant impact on the bank market. E-banking is providing numerous opportunities for banks and non-bank financial institutions to add a low cost distribution channel to their existent distribution channels. Little research on factors influencing the adoption of e-banking has been implemented in countries with very high economic growth rates (such as Vietnam) that are emerging as new potential markets. Thus, this study has, based on an extensive literature review on e-banking benefits for both banks and their customers and relevant theories on innovation adoption, proposed alternative models (including both moderator and mediating effects) of e-banking intention to use by customers in Vietnam. Furthermore, a set of model hypotheses presenting relationships among factors influencing e-banking intention to use have been set up. Practical implications and future studies were also discussed.

The Practice and How to Improve Services Influence the Adoption of Internet Banking in Vietnam

“…Perceived Ease to Use is a factor affecting the number of users E-banking, this factor can create a good relationship between customers creating a loyal customer network and reaching new customers through easy-to-use operations. reach the masses (Pham, 2013).…”

“…Electronic payment is the process of using connected means to transfer data, using this tool to make payments in micro-purchases and exchanges (Pham, 2013). This action is like the way you do not use your cash for payment but instead are transactions using the network connection method.…”

An investigation of ICT knowledge and skills in Vietnam

“…There is limited research and comprehensive analysis of ICT knowledge and skills demands in Vietnam, and research has focused mainly on specific areas of ICT adoption such as out‐sourcing (Huong, Katsuhiro, & Chi, ; Le, ), knowledge management (Q. T. Pham & Nguyen, ), e‐commerce (L. Pham, Pham, & Nguyen, ; Rowe, Truex, & Huynh, ), e‐government (Khanh, ), e‐banking (L. Pham, Cao, Nguyen, & Tran, ), and enterprise resource planning (L. Pham & Teich, ). The most recent analyses of ICT knowledge and skills demands in Vietnam are by Winley and Lau () and Lau, Winley, Leung, Tsang, and Lau () which were both based on data collected in 2011.…”