Determinants of risky buy-now-pay-later intentions and behaviors of Vietnamese students

IF 2.9 Q2 BUSINESS
Hoang Phong Nguyen, Thi Bich Duyen Pham
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Abstract

This study explores psychological and social factors that contribute to risky buy-now-pay-later (BNPL) intentions and behaviors among college students. This study was designed quantitatively and surveyed 1147 students in Vietnam. The partial least squares structural equation modeling was used to test the hypotheses. The results indicate that students with greater knowledge about financial risk are more likely to avoid risky BNPL behaviors. In contrast, students who have a positive attitude toward risk consumer credit and an external locus of control tend to favor risky BNPL. Additionally, the external locus of control plays a role in moderating the predictive relationship between risky BNPL intention and behavior. Finally, this study also found a difference in the effect level of the factors between groups of students divided by gender and major.

Abstract Image

越南学生 "先买后付 "风险意向和行为的决定因素
本研究探讨了导致大学生 "现购现付"(BNPL)风险意向和行为的心理和社会因素。本研究采用定量设计,对越南的 1147 名学生进行了调查。研究采用偏最小二乘结构方程模型来检验假设。结果表明,对金融风险有更多了解的学生更有可能避免高风险的 BNPL 行为。与此相反,对风险消费信贷持积极态度和有外部控制力的学生往往倾向于有风险的 BNPL 行为。此外,外部控制源在风险 BNPL 意向和行为之间的预测关系中起着调节作用。最后,本研究还发现,按性别和专业划分的学生群体在各因素的影响程度上存在差异。
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来源期刊
CiteScore
5.60
自引率
26.70%
发文量
61
期刊介绍: Under the guidance of its expert Editors and an eminent international Editorial Board, Journal of Financial Services Marketing has become one of the world''s leading forums for the latest thinking, techniques and developments in marketing financial services. The Journal has established itself as a key bridge between applied academic research and commercial best practice, globally. The journal covers: marketing banking services, pension plans, insurance, saving schemes, investment finance, personal finance, mortgages and credit and debit cards loyalty plans brand management cross-selling products and services customer relationship management online services customer profiling targeting product positioning pricing distribution management consumer finance pooled investment funds The Journal of Financial Services Marketing publishes detailed and authoritative: Case studies from marketers worldwide, detailing their practical experiences, the problems faced and the lessons learned Research with IMPLICATIONS FOR PRACTICE from leading business schools, research institutes and universities, worldwide Reviews and briefings by expert practitioners and academics sharing thought-provoking and challenging ideas Legal reviews examining in detail the major changes in legislation Book reviews providing a ''thumbnail'' of best practice in marketing within the financial services field ...to keep subscribers up-to-date with the latest developments and thinking in bank and financial services marketing.
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