Factors affecting individual customers’ access to financial inclusion through the frequency of using services of commercial banks in An Giang province

Abstract

This study aims to determine and measure the impact of factors affecting financial inclusion of
individual customers through the frequency of using services of commercial banks from August to October
2022 in An Giang province. The study was conducted by surveying individual customers who used the
services of commercial banks in An Giang province. As a result, 169 surveys were satisfactory and were
cleaned. The built regression equation is suitable, there are 3 independent variables in the research model
that have a positive impact on the frequency of using banking services as follows: the purpose of opening a
bank account, the convenience and accessibility of bank branch. On the basis of the findings, the author also
gives conclusions and recommendations to help develop banking products and services, improve the ability
of individual customers to access comprehensive finance through services of commercial banks in Vietnam