Factors Influencing Gen Z Intention to Use Electronic Banking Services at Commercial Banks in Ho Chi Minh City (Multidisciplinary Science Journal)
Summary
- The study investigates electronic banking adoption intention among Generation Z in Ho Chi Minh City based on 484 valid survey responses collected from 2024–2025.p.1
- Perceived ease of use is identified as the primary predictor of adoption intention with a path coefficient of β = 0.374 and effect size f² = 0.21.p.1
- Perceived usefulness and government/JSCB support are key positive direct drivers, recording β = 0.258 (f² = 0.09) and β = 0.241 (f² = 0.08) respectively.p.1
- The integrated structural model explains 53.8% of the total variance in behavioral intention to use electronic banking (R² = 0.538; Q² = 0.412).p.1
- Ho Chi Minh City university clusters host more than 500,000 enrolled students, creating a high-density network for peer adoption of digital financial services.p.2
Key insights
- Security and privacy concerns positively activate personal norms with a path coefficient of β = 0.188.p.7
- Personal norms show a significant direct positive effect on behavioral intention with β = 0.097.p.7
- Harman's single-factor test accounted for 28.4% of the variance, confirming the absence of severe common method bias.p.1
Topics and entities
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