Key determinants of the intention to use internet banking in Vietnam

Abstract

This study investigates some key determinants of the intention to use internet banking in Vietnam. The research model was developed based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The model was tested by a sample of 264 non users of internet banking in HCM city. The results show that performance expectancy, social influence, perceived credibility and anxiety significantly impact customers’ intention to adopt internet banking. In addition, results also show that effort expectancy and self-efficacy do not affect the intention to use internet banking.