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

Author #1

Phan Thi Thanh Quyen

Author #2

Dang Thi Ly

no article

192

authors

Phan Thi Thanh Quyen, Dang Thi Ly

Files

3. Vietnam_Phan Thi Thanh Quyen.pdf

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 1, 2025, https://insyma.org/proceedings/items/show/504.

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