Đề án tốt nghiệp: Các yếu tố ảnh hưởng đến dịch vụ ngân hàng trực tuyến tại Ngân hàng Thương mại Cổ phần Nam Á

The rapid advancements in digital technology are profoundly reshaping the financial sector, making dịch vụ ngân hàng trực tuyến an indispensable component for both personal and corporate finance, particularly in Vietnam. This digital transformation, while offering unprecedented convenience and speed, also presents significant challenges, notably in ensuring data security and system stability. Against this backdrop, understanding the intricate interplay of factors influencing the adoption and quality of online banking services is crucial for financial institutions aiming for sustainable growth. This study focuses on identifying and analyzing các yếu tố ảnh hưởng đến dịch vụ ngân hàng trực tuyến at Nam A Commercial Joint Stock Bank (Nam A Bank), providing a foundational analysis for strategic improvements in a competitive market.

Academic researchers, banking professionals, financial technology enthusiasts, and students in finance and business administration interested in digital banking transformation and factors influencing online service adoption in Vietnam.

This graduation thesis comprehensively explores các yếu tố ảnh hưởng đến dịch vụ ngân hàng trực tuyến tại Ngân hàng TMCP Nam Á. The study commences by analyzing the current landscape and operational realities of online banking services at Nam A Bank, highlighting both its achievements in digital transformation and the inherent challenges posed by a rapidly evolving market and fierce competition from fintech companies. A key aspect of the methodology involves applying the TOE (Technology-Organization-Environment) model to systematically identify and categorize these influencing factors. From a technological perspective, the research delves into the importance of robust infrastructure, system integration, data security, and the adoption of emerging technologies like AI and blockchain. Organizationally, it examines internal capabilities such as human resource quality, innovative culture, leadership support, and risk management processes. Environmentally, the study considers external pressures including regulatory frameworks, market competition, and evolving customer expectations for ngân hàng số and giao dịch trực tuyến. The findings underpin a series of strategic solutions designed to enhance the quality and efficiency of Nam A Bank's online banking services. These solutions encompass expanding technological capabilities, reinforcing security measures, fostering a comprehensive digital ecosystem, and continuously developing human resources to meet the demands of ngân hàng điện tử. The thesis concludes by outlining a detailed implementation plan, thereby offering practical implications for Nam A Bank's future development and competitive positioning in the digital banking era.