Nhân tố ảnh hưởng đến ý định sử dụng dịch vụ E-mobile banking: Nghiên cứu tại Agribank - Chi nhánh tỉnh Tiền Giang=Factors affecting intentions to use E-mobile banking: A case study of Agribank in Tien Giang province

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Tác giả: Minh Thiện Châu, Thị Ánh Tuyết Lê

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Nghiên cứu Tài chính Kế toán, 2024

Mô tả vật lý: tr.59-63

Bộ sưu tập: Metadata

ID: 476627

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Mobile banking is an inevitable trend of developing banking services in the 4.0 industrial age of commercial banks. However, there are still 34.8% of customers with payment accounts at the Agribank Tien Giang branch who have not used the Agribank E-mobile banking service. The objective of this research is to explore the factors that affect the intention to use Agribank E-mobile banking services at Agribank Tien Giang branch. The quantitative research method was conducted through survey data of 237 individual customers in Tien Giang province. The study used Cronbach's Alpha tool to analyze data reliability, EFA factor analysis method, and multivariate regression model testing conducted through SPSS 22.0 software tool to measure the level of impact. Impact of factors on intention to use Agribank E-mobile banking service. Research results show that the factor of Perceived usefulness has the strongest impact, followed by the factors of Perceived trust, Perceived cost, Perceived ease of use, and Perceived risk all have an impact on customer satisfaction. intend to use Agribank E-mobile banking service. The study also proposes several solutions to help improve service quality and increase the number of customers using Agribank E-mobile banking products.Mobile banking là xu hướng phát triển dịch vụ ngân hàng tất yếu trong thời đại công nghiệp 4.0 của các ngân hàng thương mại. Tuy nhiên, vẫn còn 34,8% khách hàng có tài khoản thanh toán tại ngân hàng Agribank chi nhánh Tiền Giang chưa sử dụng dịch vụ Agribank E-mobile banking. Mục tiêu nghiên cứu này nhằm khám phá các nhân tố ảnh hưởng đến ý định sử dụng dịch vụ Agribank E-mobile banking tại ngân hàng Agribank chi nhánh Tiền Giang. Phương pháp nghiên cứu định lượng được thực hiện thông qua dữ liệu khảo sát 237 khách hàng cá nhân tại tỉnh Tiền Giang. Nghiên cứu sử dụng công cụ Cronbach’s Alpha để phân tích độ tin cậy dữ liệu, phương pháp phân tích nhân tố EFA, kiểm định mô hình hồi quy đa biến được thực hiện thông qua công cụ phần mềm SPSS 22.0 để đo lường mức độ tác động của các nhân tố đến ý định sử dụng dịch vụ Agribank E-mobile banking. Kết quả nghiên cứu cho thấy nhân tố Cảm nhận hữu ích có tác động mạnh nhất, kế đến là các nhân tố Cảm nhận tin cậy, Cảm nhận chi phí, Cảm nhận dễ sử dụng và Cảm nhận rủi ro đều có tác động đến ý định sử dụng dịch vụ Agribank E-mobile banking. Nghiên cứu cũng đề xuất một số giải pháp góp phần giúp nâng cao chất lượng dịch vụ và gia tăng lượng khách hàng sử dụng sản phẩm Agribank E-mobile banking.

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