Empirical analysis of internet banking adoption in Vietnam

References

• Ajzen, I. (1991). The theory of planned behavior. Organization Behavior and Human Decision Process, 50(2), 179–23. https://doi.org/10.1016/0749-5978(91)90020-T
   Web of Science ®Google Scholar
• Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions. Marketing Intelligence and Planning, 30(4), 444–459. https://doi.org/10.1108/02634501211231928
   Google Scholar
• Aldás-Manzano, J., Lassala-Navarré, C., Ruiz-Mafé, C., & Sanz-Blas, S. (2009). The role of consumer innovativeness and perceived risk in online banking usage. International Journal of Bank Marketing, 27(1), 53–75. https://doi.org/10.1108/02652320910928245
   Google Scholar
• Alshamaila, Y., Papagiannidis, S., & Li, F. (2013). Cloud computing adoption by SMEs in the north east of England: A multi-perspective framework. Journal of Enterprise Information Management, 26(3), 250–275. https://doi.org/10.1108/17410391311325225
   Google Scholar
• Armstrong, S., & Overton, T. S. (1977). Estimating non-response in mailed surveys. Journal of Marketing Research, 14(3), 396–402. https://doi.org/10.2307/3150783
   Google Scholar
• Australian Trade and Investment Commission (2020). Digital banking in Vietnam: A guide to market. https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwjmnfHfu63yAhU2y4sBHSzOAeAQFnoECAUQAQ&url=https%3A%2F%2Fwww.austrade.gov.au%2FArticleDocuments%2F4569%2Fdigital-banking-vietnam-report.pdf.aspx&usg=AOvVaw3n9M83EHyyBP4bxTIyu2HE
   Google Scholar
• Ayo, C. K., Oni, A. A., Adewoye, O. J., & Eweoya, I. O. (2016). E-banking users’ behaviour: E-service quality, attitude, and customer satisfaction. International Journal of Bank Marketing, 34(3), 347–367. https://doi.org/10.1108/IJBM-12-2014-0175
   Web of Science ®Google Scholar
• Bauer, R.A. (1960). Consumer behavior as risk taking. In R.S. Hancock (ed.), Dynamic marketing for a changing world, Proceedings of the 43rd American Marketing Association Conference, Chicago, IL, June, 389–398.
   Google Scholar
• Chao, C. W., Reid, M., & Mavondo, F. (2013). Global consumer innovativeness and consumer electronic product adoption. Asia Pacific Journal of Marketing and Logistics, 25(4), 614–630. https://doi.org/10.1108/APJML-02-2013-0025
   Google Scholar
• Chauhan, V., Yadav, R., & Choudhary, V. (2019). Analyzing the impact of consumer innovativeness and perceived risk in internet banking adoption: A study of Indian consumers. International Journal of Bank Marketing, 37(1), 323–339. https://doi.org/10.1108/IJBM-02-2018-0028
   Web of Science ®Google Scholar
• Cheng, T. C. E., Lam, D. Y. C., & Yeung, A. C. L. (2006). Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572. https://doi.org/10.1016/j.dss.2006.01.002
   Web of Science ®Google Scholar
• Chong, A. Y. L., Ooi, K. B., Lin, B., & Tan, B. I. (2010). Online banking adoption: An empirical analysis. International Journal of Bank Marketing, 28(4), 267–287. https://doi.org/10.1108/02652321011054963
   Google Scholar
• Citrin. (2000). Adoption of Internet shopping: The role of consumer innovativeness. Industrial Management & Data Systems, 100(7), 294–300. https://doi.org/10.1108/02635570010304806
   Web of Science ®Google Scholar
• Davis, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results. Management, Ph.D. (May), 291.
   Google Scholar
• Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–339. https://doi.org/10.2307/249008
   Web of Science ®Google Scholar
• Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
   Web of Science ®Google Scholar
• Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior : An introduction to theory and research. Reading, Mass : Addison-Wesley Pub. Co. http://digitool.hbz-nrw.de:1801/webclient/DeliveryManager?pid=3428412
   Google Scholar
• George, A. (2018). Perceptions of Internet banking users — A structural equation modelling (SEM) approach. IIMB Management Review, 30(4), 357–368. https://doi.org/10.1016/j.iimb.2018.05.007
   Web of Science ®Google Scholar
• Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis (7th ed.). Prentice Hall, Englewood Cliffs.
   Google Scholar
• Hirunyawipada, T., & Paswan, A. K. (2006). Consumer innovativeness and perceived risk: Implications for high technology product adoption. Journal of Consumer Marketing, 23(4), 182–198. https://doi.org/10.1108/07363760610674310
   Google Scholar
• Hoffman, D. L., & Novak, T. P. (1996). Marketing in hypermedia computer-mediated environments: Conceptual foundations. Journal of Marketing, 60(3), 50–68. https://doi.org/10.1177/002224299606000304
   Web of Science ®Google Scholar
• Im, S., Bayus, B. L., & Mason, C. H. (2003). An empirical study of innate consumer innovativeness, personal characteristics, and new-product adoption behavior. Journal of the Academy of Marketing Science, 31(1), 61–73. https://doi.org/10.1177/0092070302238602
   Web of Science ®Google Scholar
• Irfan, B., & Chendragiri, M. (2015). Consumer attitude and behavioural intention towards Internet banking adoption in India. Journal of Indian Business Research, 7(1), 67–102. https://doi.org/10.1108/JIBR-02-2014-0013
   Web of Science ®Google Scholar
• Kaur, S., & Arora, S. (2020). Role of perceived risk in online banking and its impact on behavioral intention: Trust as a moderator. Journal of Asia Business Studies, 15(1), 1–30. https://doi.org/10.1108/jabs-08-2019-0252
   Google Scholar
• Kaushik, A. K., & Rahman, Z. (2014). Perspectives and dimensions of consumer innovativeness: A literature review and future agenda. Journal of International Consumer Marketing, 26(3), 239–263. https://doi.org/10.1080/08961530.2014.893150
   Google Scholar
• Kesharwani, A., & Bisht, S. S. (2012). The impact of trust and perceived risk on internet banking adoption in India: An extension of technology acceptance model. International Journal of Bank Marketing, 30(4), 303–322. https://doi.org/10.1108/02652321211236923
   Google Scholar
• Kim, K. H. (2010). Understanding the consistent use of internet health information. Online Information Review, 34(6), 875–891. https://doi.org/10.1108/14684521011099388
   Web of Science ®Google Scholar
• Krueger, R. A. (1998). Focus groups: A practical guide for applied research. Sage.
   Google Scholar
• Lassar, W. M., Manolis, C., & Lassar, S. S. (2005). The relationship between consumer innovativeness, personal characteristics, and online banking adoption. International Journal of Bank Marketing, 23(2), 176–199. https://doi.org/10.1108/02652320510584403
   Google Scholar
• Lin, F.-T., Wu, H.-Y., & Tran, T. N. N. (2014). Internet banking adoption in a developing country: An empirical study in Vietnam. Information Systems and e-Business Management, 13(2), 267–287. https://doi.org/10.1007/s10257-014-0268-x
   Web of Science ®Google Scholar
• Littler, D., & Melanthiou, D. (2006). Consumer perceptions of risk and uncertainty and the implications for behaviour towards innovative retail services: The case of Internet Banking. Journal of Retailing and Consumer Services, 13(6), 431–443. https://doi.org/10.1016/j.jretconser.2006.02.006
   Google Scholar
• Lok, C.K. (2015). Adoption of Smart Card-Based E-Payment System for Retailing in Hong Kong Using an Extended Technology Acceptance Model. E-services Adoption: Processes by Firms in Developing Nations (Advances in Business Marketing and Purchasing, Vol. 23B), Emerald Group Publishing Limited, Bingley, pp. 255-466. https://doi.org/10.1108/s1069-09642015000023b003
   Google Scholar
• Lu, J., Yao, J. E., & Yu, C. S. (2005). Personal innovativeness, social influences and adoption of wireless Internet services via mobile technology. Journal of Strategic Information Systems, 14(3), 245–268. https://doi.org/10.1016/j.jsis.2005.07.003
   Web of Science ®Google Scholar
• Maditinos, D., Chatzoudes, D., & Sarigiannidis, L. (2013). An examination of the critical factors affecting consumer acceptance of online banking: A focus on the dimensions of risk. Journal of Systems and Information Technology, 15(1), 97–116. https://doi.org/10.1108/13287261311322602
   Google Scholar
• Marakarkandy, B., Yajnik, N., & Dasgupta, C. (2017). Enabling internet banking adoption: An empirical examination with an augmented technology acceptance model (TAM). Journal of Enterprise Information Management, 30(2), 263–294. https://doi.org/10.1108/JEIM-10-2015-0094
   Web of Science ®Google Scholar
• Moore, G.A. (1999). Crossing the Chasm: Marketing and Selling High-Tech Products to Mainstream Customers. New York, NY: HarperCollins.
   Google Scholar
• Nasri, W., & Charfeddine, L. (2012). Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior. Journal of High Technology Management Research, 23(1), 1–14. https://doi.org/10.1016/j.hitech.2012.03.001
   Google Scholar
• Nunnally, J. C., & Burnstein, I. H. (1994). Psychometric Theory (3rd ed.). McGraw – Hill.
   Google Scholar
• Nysveen, H., & Pedersen, P. E. (2004). An exploratory study of customers’ perception of company web sites offering various interactive applications: Moderating effects of customers’ Internet experience. Decision Support Systems, 37(1), 137–150. https://doi.org/10.1016/S0167-9236(02)00212-9
   Web of Science ®Google Scholar
• Ozdemir, S., Trott, P., & Hoecht, A. (2008). Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector. International Journal of Bank Marketing, 26(4), 212–236. https://doi.org/10.1108/02652320810884777
   Google Scholar
• Podsakoff, P. M., MacKenzie, S. B., Lee, J. Y., & Podsakoff, N. P. (2003). Common method biases in behavioral research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879–903. https://doi.org/10.1037/0021-9010.88.5.879
   PubMed Web of Science ®Google Scholar
• Polasik, M., & Wisniewski, T. P. (2009). Empirical analysis of internet banking adoption in Poland. International Journal of Bank Marketing, 27(1), 32–52. https://doi.org/10.1108/02652320910928227
   Google Scholar
• Rahi, S., Abd.Ghani, M., & Hafaz Ngah, A. (2019). Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan. Technology in Society, 58(February), 101120. https://doi.org/10.1016/j.techsoc.2019.03.003
   Web of Science ®Google Scholar
• Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press.
   Google Scholar
• Rogers, E. M., Singhal, A., & Quinlan, M. M. 1962. Diffusion of innovations. In An integrated approach to communication theory and research (Third). Second Edition. NY: Routledge. https://doi.org/10.4324/9780203710753-35
   Google Scholar
• Rondan-Cataluña, F. J., Arenas-Gaitán, J., & Ramírez-Correa, P. E. (2015). A comparison of the different versions of popular technology acceptance models a non-linear perspective. Kybernetes, 44(5), 788–805. https://doi.org/10.1108/K-09-2014-0184
   Web of Science ®Google Scholar
• Roy, S. K., Balaji, M. S., Kesharwani, A., & Sekhon, H. (2017). Predicting Internet banking adoption in India: A perceived risk perspective. Journal of Strategic Marketing, 25(5–6), 418–438. https://doi.org/10.1080/0965254X.2016.1148771
   Web of Science ®Google Scholar
• Ryan, B., & Gross, N. C. (1943). Acceptance and diffusion of hybrid corn seed in two iowa communities. Agricultural Experiment Station - Iowa State College of Agriculture and Mechanic Arts, 372(372), 663–705. http://ezproxy.cul.columbia.edu/login?url=http://search.ebscohost.com/login.aspx?direct=true&db=ehh&AN=13074695&site=ehost-live&scope=site
   Google Scholar
• Su, P., Wang, L., & Yan, J. (2018). How users’ Internet experience affects the adoption of mobile payment: A mediation model. Technology Analysis and Strategic Management, 30(2), 186–197. https://doi.org/10.1080/09537325.2017.1297788
   Web of Science ®Google Scholar
• Thakur, R., & Srivastava, M. (2015). A study on the impact of consumer risk perception and innovativeness on online shopping in India. International Journal of Retail & Distribution Management, 43(2), 148–166. https://doi.org/10.1108/IJRDM-06-2013-0128
   Web of Science ®Google Scholar
• Urumsah, D. (2015). Factors Influencing Consumers to Use e-services in Indonesian Airline Companies. E-services Adoption: Processes by Firms in Developing Nations (Advances in Business Marketing and Purchasing, Vol. 23B), Emerald Group Publishing Limited, Bingley, pp. 5–254. https://doi.org/10.1108/s1069-09642015000023b002
   Google Scholar
• Yi, M. Y., Fiedler, K. D., & Park, J. S. (2006). Understanding the role of individual innovativeness in the acceptance. Decision Sciences, 37(3), 393–426. https://doi.org/10.1111/j.1540-5414.2006.00132.x
   Web of Science ®Google Scholar
• Yiu, C. S., Grant, K., & Edgar, D. (2007). Factors affecting the adoption of internet banking in hong kong-implications for the banking sector. International Journal of Information Management, 27(5), 336–351. https://doi.org/10.1016/j.ijinfomgt.2007.03.002
   Web of Science ®Google Scholar
• Zhang, Z., & Hou, Y. (2017). The effect of perceived risk on information search for innovative products and services: The moderating role of innate consumer innovativeness. Journal of Consumer Marketing, 34(3), 241–254. https://doi.org/10.1108/JCM-04-2016-1768
   Web of Science ®Google Scholar