Factors affecting intention to use digital banking at Sacombank's branches in Hanoi

Abstract

The study explores the factors affecting intention to use digital banking at branches of Sai Gon Thuong Tin Commercial Joint Stock Bank (Sacombank) in Hanoi. The study sampled 278 valid questionnaires from customers of Sacombank's branches in Hanoi.  The results show that the positive factors include: “Perceived Ease of Use” (β = 0.426), “Security, Privacy and Trust” (β = 0.286), “Transaction Cost” (β = 0.176), “Awareness” (β = 0.154), “Apps Features” (β = 0.148), “Perceived Usefulness” (β = 0.147). Thereby, the author proposes some management implications to maintain and develop the number of customers using Sacombank's digital banking services in Hanoi.