Factors Affecting Intention to Use E-Banking in Vietnam

Abstract

This article focuses on considering the factors affecting intention to use e-banking in Vietnam, this is a country with a relatively low percentage of people using e-banking. The study data is collected by the author through a survey of 650 people in the two largest cities of Vietnam. To estimate the study model, the author uses the multiple regression analysis. This article has achieved the great success by finding the first empirical evidence on the factors that influence the intention to use e-banking in Vietnam. Specifically, the intention to use e-banking (INT) is positively affected by the perceived usefulness (PU), social influence (SI), perceived of price (PP), perceived security (PS), and perceived ease of use (PEU). In order to improve customers' intention to use e-banking, the banks need to pay attention to factors of service characteristics, as well as external factors such as social influence. These are important policy implications for the managers at the banks.