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Analysis of Gamification, Perceived Privacy Risk Factors and User Intention of Digital Banking Users Across Vietnam

In: Vietnamese Business and Sustainable Development in a Globalized and Digitalized Era

Author

Listed:
  • Viet-Tam Tran

    (University of Banking, Department of Management Information Systems, Faculty of Management Information Systems)

  • Thanh-Ha Doan

    (University of Banking, Department of Finance, Faculty of Finance)

  • Thi-Thu-Ha Nguyen

    (University of Banking, Department of Management Information Systems, Faculty of Management Information Systems)

Abstract

This study explores how gamification and perceived privacy risk factors influence the acceptance of digital banking among users in Vietnam. The impact level, theoretical contributions and practical values for policy makers are determined. In terms of theory building, hypothesises are developed based on the original TAM model combination with gamification and perceived privacy risk factors. PLS-SEM method is used to carry out the research process of finding relationships between factors affecting users’ acceptance of using digital banking in Vietnam with 615 complete survey results. The main focus result of this study is shown that gamification has positive affection on perceived ease of used otherwise perceived privacy risk has negative effect. Additionally, the study suggests potential areas for future research to enhance the understanding of privacy and applying gamification in digital banking field.

Suggested Citation

  • Viet-Tam Tran & Thanh-Ha Doan & Thi-Thu-Ha Nguyen, 2026. "Analysis of Gamification, Perceived Privacy Risk Factors and User Intention of Digital Banking Users Across Vietnam," Springer Proceedings in Business and Economics, in: Zafar U. Ahmed & Nhat Tan Pham (ed.), Vietnamese Business and Sustainable Development in a Globalized and Digitalized Era, pages 185-198, Springer.
    • Handle: RePEc:spr:prbchp:978-3-032-24745-2_10
    DOI: 10.1007/978-3-032-24745-2_10
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