Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City
Dublin Core
Title
Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City
Creator
Dinh Linh Chau
Proceedings Item Type Metadata
meta_title
Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City
Abstract/Description
The integration of artificial intelligence (AI) into banking services is driving significant transformations in customer experiences, offering personalized and highly efficient solutions. However, the adoption of AI in personal banking services in Ho Chi Minh City (HCMC) still faces numerous challenges. This study - conducted in the context of Vietnam's banking industry accelerating digital transformation post-pandemic - aims to identify the factors influencing customers' intentions to use AI in personal banking services in HCMC. By synthesizing relevant literature and proposing a research model, we identified nine key factors, with the three most prominent being: technical compatibility, relative advantage, and technical complexity. Results show that, contrary to initial predictions, technical compatibility (? = 0.347) and organizational readiness (? = 0.153) exert strong positive influences, while technical complexity (? = -0.183) poses a significant barrier for older users. The study employs analytical methods such as reliability testing (Cronbach's Alpha), exploratory factor analysis (EFA), regression analysis, and model validation. The findings provide valuable insights for ba...
publication_date
2025/06/20
pdf_url
https://insyma.org/proceedings/files/articles/20. Vietnam_Phuc Quy Thanh Nguyen.pdf
abstract_html_url
https://insyma.org/proceedings/items/show/491
keywords
Artificial Intelligence (AI), Personal Banking Services, Ho Chi Minh City (HCMC), Intention to Use, Technical Compatibility, Relative Advantage, Technical Complexity, Organizational Readiness
firstpage
1109
lastpage
1115
issn
3047-857X
conference
Proceedings of the International Symposium on Management (Volume 21, 2024)
Volume
22
publisher_name
Fakultas Bisnis dan Ekonomika, Universitas Surabaya
no article
179
Files
Citation
Dinh Linh Chau, “Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City,” Proceedings of the International Symposium on Management (INSYMA), accessed July 22, 2025, https://insyma.org/proceedings/items/show/491.