Perceived risk and intention to use digital financial services of Vietnamese youth
This research evaluates the impact of perceived risk and intention to use Digital Financial Services (DFS) among young people in Vietnam - relying on the UTAUT model and TPR theory. We used qualitative methods to develop questionnaires and scales and quantitative approaches to process 1,006 observat...
Saved in:
| Main Authors: | , , , , , |
|---|---|
| Format: | Article |
| Language: | Vietnamese |
| Published: |
TẠP CHÍ KHOA HỌC ĐẠI HỌC MỞ THÀNH PHỐ HỒ CHÍ MINH
2025-01-01
|
| Series: | Tạp chí Khoa học Đại học Mở Thành phố Hồ Chí Minh - Kinh tế và Quản trị kinh doanh |
| Subjects: | |
| Online Access: | https://journalofscience.ou.edu.vn/index.php/econ-vi/article/view/3517 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1850095470271004672 |
|---|---|
| author | Nguyễn Thị Thương Khúc Thế Anh Nguyễn Mạnh Cường Phan Anh Tuấn Bùi Thị Thanh Huyền Võ Mỹ Linh |
| author_facet | Nguyễn Thị Thương Khúc Thế Anh Nguyễn Mạnh Cường Phan Anh Tuấn Bùi Thị Thanh Huyền Võ Mỹ Linh |
| author_sort | Nguyễn Thị Thương |
| collection | DOAJ |
| description | This research evaluates the impact of perceived risk and intention to use Digital Financial Services (DFS) among young people in Vietnam - relying on the UTAUT model and TPR theory. We used qualitative methods to develop questionnaires and scales and quantitative approaches to process 1,006 observations between 18 and 35. SPSS26 and AMOS24 software were used for data processing. The results show that “Security risk” does not affect the “Perceived Risk” of the youth. “Privacy risk” hurts the “Perceived Risk” of users of DFS services. The remaining factors, “Accidents,” “Financial risk,” “Social risk,” and “Psychological risk,” positively influence the “Perceived Risk”. Finally, “Perceived Risk” adversely affects the “Intention to use” DFS among the youth. Based on the research findings, we get some policy implications for policy-makers and financial institutions. |
| format | Article |
| id | doaj-art-7a51d77320224d589327d2f89facf0ee |
| institution | DOAJ |
| issn | 2734-9306 2734-9578 |
| language | Vietnamese |
| publishDate | 2025-01-01 |
| publisher | TẠP CHÍ KHOA HỌC ĐẠI HỌC MỞ THÀNH PHỐ HỒ CHÍ MINH |
| record_format | Article |
| series | Tạp chí Khoa học Đại học Mở Thành phố Hồ Chí Minh - Kinh tế và Quản trị kinh doanh |
| spelling | doaj-art-7a51d77320224d589327d2f89facf0ee2025-08-20T02:41:26ZvieTẠP CHÍ KHOA HỌC ĐẠI HỌC MỞ THÀNH PHỐ HỒ CHÍ MINHTạp chí Khoa học Đại học Mở Thành phố Hồ Chí Minh - Kinh tế và Quản trị kinh doanh2734-93062734-95782025-01-01203486110.46223/HCMCOUJS.econ.vi.20.3.3517.20252335Perceived risk and intention to use digital financial services of Vietnamese youthNguyễn Thị Thương0Khúc Thế Anh1Nguyễn Mạnh Cường2Phan Anh Tuấn3Bùi Thị Thanh Huyền4Võ Mỹ Linh5Trường Đại học Kinh tế Quốc dân, Hà NộiTrường Đại học Kinh tế Quốc dân, Hà NộiTrường Đại học Kinh tế Quốc dân, Hà NộiTrường Đại học Kinh tế Quốc dân, Hà NộiTrường Đại học Kinh tế Quốc dân, Hà NộiCục Tài chính Doanh nghiệp - Bộ Tài chính, Hà NộiThis research evaluates the impact of perceived risk and intention to use Digital Financial Services (DFS) among young people in Vietnam - relying on the UTAUT model and TPR theory. We used qualitative methods to develop questionnaires and scales and quantitative approaches to process 1,006 observations between 18 and 35. SPSS26 and AMOS24 software were used for data processing. The results show that “Security risk” does not affect the “Perceived Risk” of the youth. “Privacy risk” hurts the “Perceived Risk” of users of DFS services. The remaining factors, “Accidents,” “Financial risk,” “Social risk,” and “Psychological risk,” positively influence the “Perceived Risk”. Finally, “Perceived Risk” adversely affects the “Intention to use” DFS among the youth. Based on the research findings, we get some policy implications for policy-makers and financial institutions.https://journalofscience.ou.edu.vn/index.php/econ-vi/article/view/3517dfsnhận biết rủi roý định sử dụng |
| spellingShingle | Nguyễn Thị Thương Khúc Thế Anh Nguyễn Mạnh Cường Phan Anh Tuấn Bùi Thị Thanh Huyền Võ Mỹ Linh Perceived risk and intention to use digital financial services of Vietnamese youth Tạp chí Khoa học Đại học Mở Thành phố Hồ Chí Minh - Kinh tế và Quản trị kinh doanh dfs nhận biết rủi ro ý định sử dụng |
| title | Perceived risk and intention to use digital financial services of Vietnamese youth |
| title_full | Perceived risk and intention to use digital financial services of Vietnamese youth |
| title_fullStr | Perceived risk and intention to use digital financial services of Vietnamese youth |
| title_full_unstemmed | Perceived risk and intention to use digital financial services of Vietnamese youth |
| title_short | Perceived risk and intention to use digital financial services of Vietnamese youth |
| title_sort | perceived risk and intention to use digital financial services of vietnamese youth |
| topic | dfs nhận biết rủi ro ý định sử dụng |
| url | https://journalofscience.ou.edu.vn/index.php/econ-vi/article/view/3517 |
| work_keys_str_mv | AT nguyenthithuong perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth AT khuctheanh perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth AT nguyenmanhcuong perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth AT phananhtuan perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth AT buithithanhhuyen perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth AT vomylinh perceivedriskandintentiontousedigitalfinancialservicesofvietnameseyouth |