Factors influencing young consumers’ intention to use mobile banking services
This study aims to identify and evaluate the factors influencing young consumers’ intention to use mobile banking services in Vietnam. The proposed research model includes four independent variables: perceived trust, perceived ease of use, perceived usefulness, and subjective norm. Data were collected from 195 survey responses and analyzed using PLS software. The results indicate that 74.9% of the variance in the intention to use mobile banking services can be explained by the independent variables. Among them, subjective norm has the strongest impact (coefficient = 0.452), followed by perceived trust (coefficient = 0.212), perceived usefulness (coefficient = 0.184), and perceived ease of use, which has the weakest influence (coefficient = 0.103). The research team also analyzed the mean values of each measurement scale to discuss young consumers’ intention to use mobile banking. Based on the findings, several recommendations are proposed for banks in Vietnam to promote mobile banking useion among young users.
Keywords: Intention, mobile banking services, factors influencing, young consumers
