Adoption of Internet Banking: 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. The results indicate that a set of components (i.e., perceived usefulness, perceived ease of use, perceived credibility, perceived behavioral control, subjective norm, and attitude toward use) may lead to an acceptable intention to use Internet banking services in Vietnam. The study´s 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.