Factors affecting individual customers' access to financial inclusion through the frequency of using services of commercial banks in An Giang province

Abstract

This study aims to determine and measure the impact of factors affecting
financial inclusion of individual customers through the frequency of using services of
commercial banks in An Giang province. The study was conducted by interviewing
individual customers who used the services of commercial banks in An Giang province. As
a result, 169 surveys were satisfactory and were cleaned, coded and processed using SPSS
20.0 software. The built regression equation is suitable, there are 3 independent variables
in the research model that have a positive impact on the frequency of using banking services
as follows: the purpose of opening a bank account, the convenience and accessibility of
bank branch. On the basis of the findings, the authors also makes conclusions and
recommendations to help financial institutions develop banking products and services,
improve the ability of individual customers to access comprehensive finance through the
service of Vietnamese commercial banks so that people can access and use useful financial
products and services at reasonable costs to meet their needs, contribute to poverty
alleviation, economic development. sustainable economy.