TẠP CHÍ KHOA HỌC YERSIN
YERSIN JOURNAL OF SCIENCE
ISSN: 2525 - 2372
TẠP CHÍ KHOA HỌC YERSIN
YERSIN JOURNAL OF SCIENCE
Ngân hàng di động hiện nay đã trở thành một phần quan trọng trong cuộc sống hàng ngày, mang lại sự tiện lợi cho khách hàng, có thể thực hiện các giao dịch ngân hàng mọi lúc, mọi nơi. Để tìm hiểu các yếu tố ảnh hưởng đến chấp nhận sử dụng, bài báo đã kết hợp lý thuyết thống nhất về chấp nhận và sử dụng công nghệ 2 với lý thuyết lan tỏa đổi mới. Cuộc nghiên cứu này đã khảo sát 429 khách hàng cá nhân sử dụng dịch vụ ngân hàng di động thông qua phương pháp lấy mẫu thuận tiện. Kết quả được phân tích bằng phương pháp PLS-SEM, cho thấy rằng tương thích phong cách sống và nhu cầu đóng vai trò điều tiết trong mối liên hệ giữa hiệu quả kỳ vọng và ý định sử dụng, cũng như giữa nỗ lực kỳ vọng và ý định sử dụng dịch vụ ngân hàng di động, cũng như một số yếu tố khác. Dựa trên những phát hiện này, tác giả đưa một số hàm ý quan trọng cho lý thuyết và thực tiễn quản lý
Mobile banking has become an important part of customers' everyday lives, as it brings them the convenience of making transactions from anywhere and at any time. Therefore, this paper discusses factors affecting the adoption of mobile banking by integrating The extended Unified Theory of Acceptance and Use of Technology 2 with Diffusion of innovations. Data were collected through a survey of 429 individual mobile banking users with convenience sampling, and PLS-SEM was used for analysis. Findings indicate that compatibility with lifestyle and individual needs moderates the relationship between performance expectancy and intention to use and between effort expectancy and intention to use mobile banking and other factors. Based on these findings, the author has some important implications for management theory and practice.
Ngân hàng di động, UTAUT2, DOI, tương thích phong cách sống và nhu cầu, chấp nhận
Mobile banking, UTAUT2, DOI, Compatibility with lifestyle and need, adoption
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