The factors affect on the Decision of using Smart Banking service at Bank of Investment and Development of Viet Nam- North Saigon Branch

Abstract

 This study aims at determining and measuring the factors affect on the decision of using smart banking at Bank of Investment and Development of Viet Nam- North Saigon Branch (BIDV BSG), by surveying 235 personal customers of the branch. The study uses SPSS 20 tool to analyze the scale credibility through Cronbach’s Alpha, exploratory factor analyze, and multiple linear regression analyze. 

The results show that there are positively impacted factors, arranged by decreasing impact: Perceived Ease of Use, Perceived Usefulness, Perceived Credibility to decision of using smart banking of customers. Meanswhile, there are negatively impacted factors, arranged by decreasing impact: Perceived Risks, Perceived Cost. The results also help management to recognize the importance of the factors which effect on decision of usinf smart banking of the personal customers, from there, management can adopt the strategies and tactics reasonably in the context of fierce competition nowadays.