Analysis of factors affecting consumers adoption on mobile banking services in Ho Chi Minh city
Phung, Doan Thi Kim
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This research is conducted in order to develop a model measuring consumer adoption on Mobile banking services in Ho Chi Minh City, and some recommendations to expand the market of it. The research was conducted from February 2014 to April 2014 in Ho Chi Minh City. The reviewing of literature, related theories and former researches were used to find the appropriate theoretical framework for this study. 300 bank customers from ten banks were recruited to complete the survey in the quantitative approach. The answers for the survey from the respondents were analyzed by SPSS software and final results showed that all of six factors of the research model have impact on the intention and the behavior to use mobile banking services in Ho Chi Minh City. These factors include: Perceived financial cost, Perceived Credibility and Ease-of-use, Perceived usefulness, Perceived risk of performance and finance, Perceived risk of social and safety and Facilitating conditions. Although there are some limitations in this study, this is proposed some practical implications and recommendations in order to expand the market of mobile banking in Ho Chi Minh City and improve the service quality as well.