ABSTRACT
Long Pham
College of Business, Minot State University, USA & School of Banking and Finance, National Economics University, Vietnam
Nhi Y. Cao
School of Banking and Finance, National Economics University, Vietnam
Thanh D.
NguyenHo Chi Minh City University of Technology, Vietnam
Phong T. Tran
School of Banking and Finance, National Economics University, Vietnam
E-banking is seen as the newest delivery channel for banking services in many developed countries and is believed to have a significant impact on the bank market. E-banking is providing numerous opportunities for banks and non-bank financial institutions to add a low cost distribution channel to their existent distribution channels. Little research on factors influencing the adoption of e-banking has been implemented in countries with very high economic growth rates (such as Vietnam) that are emerging as new potential markets. Thus, this study has, based on an extensive literature review on e-banking benefits for both banks and their customers and relevant theories on innovation adoption, proposed alternative models (including both moderator and mediating effects) of e-banking intention to use by customers in Vietnam. Furthermore, a set of model hypotheses presenting relationships among factors influencing ebanking intention to use have been set up. Practical implications and future studies were also discussed.