Academy of Accounting and Financial Studies Journal (Print ISSN: 1096-3685; Online ISSN: 1528-2635)


Factors Affecting Intention to Use Banking Services: A Case Study of Commercial Banks in Dong Nai Province

Author(s): Phan Thanh Tam, Truong Le Hoang

The development of banking services is consistent with the inevitable trend in commercial banks’ operations in the region, in the world in general, and of Vietnamese commercial banks in particular. The expansion to serve individual customers and small and medium enterprises help the bank diversify its products, expand the market, and manage risk more effectively, thereby allowing the bank to achieve optimal business performance. Developing banking services diversifies services, meeting the increasing needs of subjects in the society, promoting economic growth and sustainable development. Therefore, the authors surveyed 500 customers related to using banking services from February 2020 to September 2020. The research results showed that five factors affect the intention to use commercial banks’ banking services in Dong Nai province. Finally, the research results are crucial scientific information for bank managers to enhance the banking service.

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