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Cited by 343Technology Adoption and User BehaviourHealth, Technology, Consumer BehaviorFinTech, Crowdfunding, Digital Finance

Online banking adoption: an empirical analysis

Yee‐Loong Chong, Alain, Ooi, Keng‐Boon, Lin, Binshan, Tan, Boon‐In·2010·International Journal of Bank Marketing
DOI 10.1108/02652321011054963
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Abstract

Purpose This paper aims to empirically examine the factors that affect the adoption of online banking in Vietnam. Perceived usefulness, perceived ease of use, trust and government support were examined to determine if these factors are affecting online banking adoption. Design/methodology/approach A survey was distributed to 156 respondents in Vietnam with 103 usable samples giving a response rate of 66 percent. Data were analyzed by employing correlation and multiple regression analysis. Findings The results showed that perceived usefulness, trust and government support all positively associated with the intention to use online banking in Vietnam. Contrary to the technology acceptance model, perceived ease of use was found to be not significant in this study. Research limitations/implications This study was conducted in Vietnam and future research can use this model to study the adoption of online banking in other countries. Practical implications The results allow banks' decision makers to develop strategies that can increase the adoption of online banking. Banks should improve the security and privacy of the web sites, which will increase the trust of users. Banks should also create features which are useful to users and make sure users are aware of these features. Lastly, government should also play a role to support banks in their efforts to increase online banking adoption. Originality/value The findings allow the factors that can influence the adoption of online bankin…

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Crossref · 10.1108/02652321011054963

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  • Effort expectancy has been amply demonstrated to influence the use of e-commerce and e-banking.

    “these have been amply demonstrated to influence the use of e-commerce (Venkatesh, V., Thong, James.Y., Xu, 2012) and e-banking (Chong, Ooi, Lin, & Tan, 2010).”

    From E-banking in Colombia: factors favouring its acceptance, online trust and government support (2018) · cites this paper as Chong, Ooi, Lin, & Tan, 2010

  • Empirical research about the relation of government support to e-banking acceptance is limited to a few studies of Asian countries.

    “Empirical research about the relation of government support to e-banking acceptance is limited to a few studies of Asian countries (Chong et al., 2010;Tan & Teo, 2000).”

    From E-banking in Colombia: factors favouring its acceptance, online trust and government support (2018) · cites this paper as Chong et al., 2010

  • Clients value guarantees by financial institutions regarding online purchases and the handling of confidential information.

    “with regard to e-banking, studies by Afshan & Sharif (2016) and Chong et al. (2010) show that clients value guarantees by financial institutions regarding online purchases and the handling of confidential information.”

    From E-banking in Colombia: factors favouring its acceptance, online trust and government support (2018) · cites this paper as Chong et al. (2010)

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Authors
Yee‐Loong Chong, A., Ooi, K., Lin, B., & Tan, B.
Affiliations
  • Tunku Abdul Rahman University of Management and Technology (MY)
  • Louisiana State University in Shreveport (US)
ORCID
Venue
International Journal of Bank Marketing
Publisher
Emerald
Published
2010-06-15
Volume
28
Issue
4
Pages
267-287
ISSN
0265-2323 (ISSN-L)
DOI
10.1108/02652321011054963
OpenAlex
W1981781071
Cited by
343
References
54
Citations by year
2026: 8 · 2025: 10 · 2024: 27 · 2023: 35 · 2022: 31 · 2021: 34 · 2020: 19 · 2019: 26 · 2018: 17 · 2017: 25 · 2016: 22 · 2015: 30 · 2014: 23 · 2013: 20 · 2012: 8
FWCI
24.80
Type
journal article
Language
en
Open access
closed
Licence
www.emerald.com/insight/site-policies (tdm)
Locations
International Journal of Bank Marketing (publishedVersion)
Topics
  • Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
  • Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
  • Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
Keywords
online banking adoption, technology acceptance model, perceived usefulness, perceived ease of use, trust in banks, government support, privacy and security, intention to use, Vietnam

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