Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective
Dublin Core
Title
Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective
Creator
Phan Thi Thanh Quyen
Proceedings Item Type Metadata
meta_title
Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective
Abstract/Description
With the national digital transformation strategy and the rapid development of fintech, the application of AI in Vietnam’s banking sector is an inevitable trend. However, a key concern is whether Vietnamese customers are ready to accept and use AI-based banking services, given the numerous online fraud cases and severe financial losses associated with digital banking. To provide experts, policymakers, and regulatory authorities with a comprehensive understanding of the factors influencing banking service adoption, this article examines the impact of perceived risk on the usage behavior of AI-based banking services from the perspective of the global scientific community. Due to differences in research contexts, subjects, and methodologies, findings are inconsistent: some studies suggest that perceived risk has no or only a minor impact, while others show conflicting results, indicating that perceived risk can influence user behavior both positively and negatively. Therefore, to effectively propose and implement practical policies that promote the development of AI-based banking services in Vietnam, it is essential to conduct studies that specifically assess the impact of perceived risk on Vietnamese customers’ adoption behavior.
publication_date
2025/06/20
pdf_url
https://insyma.org/proceedings/files/articles/3. Vietnam_Phan Thi Thanh Quyen.pdf
abstract_html_url
https://insyma.org/proceedings/items/show/504
keywords
Perceived Risk, AI-based Banking Services, Usage Behavior, Vietnam, Fintech, Digital Transformation
firstpage
1181
lastpage
1186
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
192
Files
Citation
Phan Thi Thanh Quyen, “Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective,” Proceedings of the International Symposium on Management (INSYMA), accessed July 22, 2025, https://insyma.org/proceedings/items/show/504.