Factors Affecting the Intention to Use Digital Banking Services: A Case Study on Elderly Customers in Vietnam

HSE Economic Journal Pub Date : 2023-01-01 DOI:10.17323/1813-8691-2023-27-2-270-289

Tran Thị Thanh Nga

引用次数: 0

Abstract

Based on Technology Acceptance Theory (TAM) and Linear Structural Model (SEM), the author predicts factors affecting the intention to use digital banking of customers from 50 years old in Vietnam. For this study, 350 valid responses out of 398 survey participants have been collected and utilized for data analysis, digital banking are found easy to use, helpful, reliable, and less risky for elderly customers, which might increase the elderly’s demands and intentions to use them. Regarding the behaviors of elderly customers, this study will provide an insight into elderly customers’ expectations accessing digital banking services during the COVID-19 pandemic in emerging markets. Furthermore, the researcher proposes an integrated model to predict behaviors and examines main.

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影响数字银行服务使用意愿的因素:以越南老年客户为例

基于技术接受理论(TAM)和线性结构模型(SEM)，作者预测了越南50岁以上客户使用数字银行意愿的影响因素。本研究在398名调查参与者中收集了350份有效回复并进行了数据分析，发现数字银行对老年客户来说易于使用，有用，可靠，风险较小，这可能会增加老年人的需求和使用意愿。关于老年客户的行为，本研究将深入了解新兴市场老年客户在COVID-19大流行期间访问数字银行服务的期望。此外，研究人员提出了一个综合模型来预测行为，并对主要行为进行了检验。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

HSE Economic Journal Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)

CiteScore

1.10

自引率

0.00%

发文量

期刊介绍： The HSE Economic Journal publishes refereed papers both in Russian and English. It has perceived better understanding of the market economy, the Russian one in particular, since being established in 1997. It disseminated new and diverse ideas on economic theory and practice, economic modeling, applied mathematical and statistical methods. Its Editorial Board and Council consist of prominent Russian and foreign researchers whose activity has fostered integration of the world scientific community. The target audience comprises researches, university professors and graduate students. Submitted papers should match JEL classification and can cover country specific or international economic issues, in various areas, such as micro- and macroeconomics, econometrics, economic policy, labor markets, social policy. Apart from supporting high quality economic research and academic discussion the Editorial Board sees its mission in searching for the new authors with original ideas. The journal follows international reviewing practices – at present submitted papers are subject to single blind review of two reviewers. The journal stands for meeting the highest standards of publication ethics.