Internet banking adoption in a developing country: an empirical study in Vietnam

Internet banking is growing faster than other e-commerce sectors and has emerged as an evolution in applied banking technology. This study investigates the factors influencing customer intention regarding Internet banking services in Vietnam using elements of an extended technology acceptance model and the theory of planned behaviors. We use structured equation modeling to evaluate the strength of the hypothesized relationships. The results of this study indicate that the use of Internet banking services in Vietnam may be motivated by a set of specific factors (i.e., perceived usefulness, perceived ease of use, perceived credibility, perceived behavioral control, subjective norms, and attitude toward use). These results are expected to help banks understand the critical factors influencing Internet banking usage and to contribute to the creation of competitive promotional campaigns in Vietnam.