| dc.description.abstract | The exponential expansion of digital gadgets, mobile and internet connectivity
has highlighted the wisdom of conducting financial transactions through digital and mobile
banking. It has recently come to be regarded as playing a vital role in the development of
banking industries in emerging countries, particularly in Asian economies. However, there
is a need for more extensive research on technological acceptance in this region, notably
with novel models. To address this gap, our study employs the comprehensive model - the
expanded Unified Theory of Acceptance and Use of Technology (UTAUT2) to deduce the
elements influencing Vietnamese consumers' behavioral intention and use of digital
banking. The seven building blocks—namely, performance expectation (PE), effort
expectancy (EE), social influences (SI), facilitating conditions (FC), hedonic motivation
(HM), price value (PV), habit (HB), and an additional factor perceived risk (PR) have been
selected and patterned under the model through structural equation modeling (SEM) to
investigate their effects on the behavioral intentions (BI) and use behavior (UB) in digital
banking of Vietnamese customers. The findings support the notion that effort expectancy,
price value, and habit are significant factors in influencing behavioral intentions. The
intention of behavior, in conjunction with the habit, are the two key elements that directly
correlate with use behavior in Vietnam. As a result of the research findings, a new
knowledge base was created and used to aid current and future research on banking
innovation as well as to inform financial sector stakeholders such as bank supervisors and
managers about how to design and grow innovative digital banking services. | en_US |
