THE EFFECT OF PERCEIVED RISK ON INTENTION TO USE MOBILE BANKING IN HANOI
Keywords:Mobile Banking Perceived Risk Intention to use.
As banking services become more and more developed, customers demand a new form of convenient experience that can satisfy the need to pay at any time without using cash. With the advancement of technology and telecommunications, the commercial banks continuously develop Mobile Banking (mobile banking service) to meet the market's needs. However, in the process of using Mobile Banking, customers encounter technology and non-technological problems. In the face of the increase in crimes in the online environment, users are more cautious and hardly trust Mobile Banking services. Because of the above reasons, the research focuses on analyzing the factors affecting the intention to use Mobile Banking service based on the theory of technology acceptance model and the theory of perceived risk. Valid data were collected from 512 people in Hanoi city to test the proposed model. The study uses the linear structural modeling method to identify the influence of perceived risk factors (including: privacy risk, financial risk, psychological risk, time risk, operational risk) on perceived usefulness and intention to use Mobile Banking, and studies the effect of perceived usefulness on intention to use Mobile Banking. Based on the research results, the article proposes some comments and recommendations to promote the enhancement of Mobile Banking
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