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A model of Factors Influencing Behavioral Intention to Use Internet Banking and the Moderating Role of Anxiety: Evidence from Vietnam

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  • Giao, Ha Nam Khanh
  • Vuong, Bui Nhat

Abstract

Internet banking is becoming a new focus as the number of internet users and its benefits are increasing worldwide and its benefits. However, the degree of intent to use internet banking is still a question of interest. Thus, the purpose of this paper is to investigate the factors affecting attitude and behavioral intention to use internet banking in Viet Nam, as well as the moderating role of anxiety, will be examined. Totally, 584 questionnaires were collected for the final analysis. The results from the partial least squares structural equation modeling (PLS-SEM) using the SmartPLS 3.0 program showed that facilitating condition, performance expectancy, social influence, perceived credibility, and effort expectancy had a positive impact on attitude and behavioral intention to use internet banking. Besides, anxiety decreased behavioral intention and it also dampened the positive relationship between attitude and behavioral intention. The findings of this study could help banks to improve their service to attract more users. Besides, the use of internet banking could reduce the frequency to a bank that indirectly reduces costs.

Suggested Citation

  • Giao, Ha Nam Khanh & Vuong, Bui Nhat, 2020. "A model of Factors Influencing Behavioral Intention to Use Internet Banking and the Moderating Role of Anxiety: Evidence from Vietnam," OSF Preprints 3rgh6, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:3rgh6
    DOI: 10.31219/osf.io/3rgh6
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    References listed on IDEAS

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    1. Vuong, Bui Nhat, 2020. "An Empirical Analysis of Mobile Banking Adoption in Vietnam," OSF Preprints 94zxp, Center for Open Science.
    2. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    3. Aftab Pervez Khan & Shahnawaz Khan & Ivan Ang Ri Xiang, 2017. "Factors Influencing Consumer Intentions to Adopt Online Banking in Malaysia," Business & Economic Review, Institute of Management Sciences, Peshawar, Pakistan, vol. 9(2), pages 101-134, June.
    4. Shirley Taylor & Peter A. Todd, 1995. "Understanding Information Technology Usage: A Test of Competing Models," Information Systems Research, INFORMS, vol. 6(2), pages 144-176, June.
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