Luận án Tiến sĩ: Các yếu tố ảnh hưởng đến ý định tiếp tục sử dụng ngân hàng di động tại Việt Nam

The rapid global expansion of the digital economy and mobile commerce, driven by advancements in information technology and the 4.0 industrial revolution, has profoundly transformed financial services. Mobile banking has emerged as a pervasive and convenient financial method, allowing users to conduct transactions via mobile devices. This paradigm shift necessitates a clear understanding of the factors that influence consumers' continuance intention to use mobile banking applications. Therefore, this study aims to identify these critical determinants in Vietnam, thereby enabling financial institutions to sustain user engagement and ensure the robust, long-term development of their mobile banking platforms.

Academics and researchers in information systems, business administration, and financial technology; bank managers and policymakers focused on digital banking strategy and customer retention in Vietnam.

This doctoral dissertation comprehensively investigates the factors influencing users' continuance intention to use mobile banking in Vietnam, providing essential insights for managing and enhancing adoption rates. The research integrates the Expectation Confirmation Model (ECM), the Unified Theory of Acceptance and Use of Technology (UTAUT), the Decomposed Theory of Planned Behavior (DTPB), and the Adaptive Structuration Theory for Individuals (ASTI) to propose and empirically test a robust theoretical model. Utilizing a two-stage quantitative methodology, including preliminary mixed-method research and a formal survey of 679 respondents analyzed with SmartPLS4 structural equation modeling (SEM), the study reveals several significant findings. Results indicate that Mobile Banking Adaptation, satisfaction, personal innovativeness, perceived usefulness, and social influence positively impact users' continuance intention to use mobile banking. Additionally, confirmation, perceived usefulness, and adaptation influence user satisfaction. Notably, personal innovativeness plays a moderating role between mobile banking adaptation and continuance intention, and self-efficacy was not found to be a significant predictor. The study highlights mobile banking adaptation as a substantial factor in predicting continued usage. Practically, these findings offer actionable strategies for bank administrators to build effective business models, increase market share, and implement policies that foster a stronger continuance intention among users, thereby driving the sustainable growth of digital financial services in Vietnam.