IDEAS home Printed from https://ideas.repec.org/h/wsi/wschap/9781800618572_0006.html

Trust Dynamics and Perceived Risk in Mobile Banking: Insights from the Financial Sector in Vietnam

In: Innovating Finance for a Sustainable Future Integrating FinTech, Blockchain and Generative AI

Author

Listed:
  • Wissem Ajili Ben Youssef
  • Najla Bouebdallah
  • Thi Viet Ha Pham

Abstract

In today’s rapidly evolving digital finance landscape, mobile banking is transforming the way financial transactions are conducted. This study investigates the key factors influencing mobile banking adoption in Vietnam, with a particular focus on perceived risk and trust within the framework of the Technology Acceptance Model (TAM). Using data collected from 355 respondents, we employed structural equation modeling to test hypotheses related to perceived usefulness, ease of use, risk, and trust. The findings confirm that while traditional TAM constructs significantly influence adoption, perceived risk and trust are also critical in shaping user behavior. Notably, perceived risk exerts a more decisive influence than trust, which has a more indirect effect on adoption decisions. These insights suggest that banks and fintech firms should prioritize intuitive, user-friendly mobile interfaces and proactively address user concerns through transparent communication and educational outreach. Furthermore, the study emphasizes the importance of robust regulatory frameworks in enhancing security and consumer protection in mobile banking. These measures are crucial for fostering trust and promoting broader adoption in emerging digital economies, such as Vietnam.

Suggested Citation

  • Wissem Ajili Ben Youssef & Najla Bouebdallah & Thi Viet Ha Pham, 2026. "Trust Dynamics and Perceived Risk in Mobile Banking: Insights from the Financial Sector in Vietnam," World Scientific Book Chapters, in: Wissem Ajili Ben Youssef & Najla Bouebdallah (ed.), Innovating Finance for a Sustainable Future Integrating FinTech, Blockchain and Generative AI, chapter 6, pages 171-198, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9781800618572_0006
    as

    Download full text from publisher

    File URL: https://www.worldscientific.com/doi/pdf/10.1142/9781800618572_0006
    Download Restriction: Ebook Access is available upon purchase.
    File URL: https://www.worldscientific.com/doi/abs/10.1142/9781800618572_0006
    Download Restriction: Ebook Access is available upon purchase.
    ---><---

    As the access to this document is restricted, you may want to

    for a different version of it.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • Q56 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environment and Development; Environment and Trade; Sustainability; Environmental Accounts and Accounting; Environmental Equity; Population Growth
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:wsi:wschap:9781800618572_0006. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Tai Tone Lim (email available below). General contact details of provider: http://www.worldscientific.com/page/worldscibooks .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.