Issue: Số 19 - Tháng 8 - 2022Tài chính - Ngân hàng - Bảo hiểm
Factors affecting the decision of consumers to use non-cash payment via Vietnamese commercial banks
Published: July 31, 2026
Abstract
This study evaluates the factors affecting the decision of consumers to use non-cash payment via Vietnamese commercial banks. In this study, 255 people are interviewed by ussing the random sampling method with a detailed questionaire. Cronbach's alpha coefficient and exploratory factor analysis (EFA) method are used. The study identifies 24 observed variables which are used to measure 6 factors, including the dependent variable named the consumer's decision to use non-cash payment via Vietnamese commercial banks, and other 5 factors which affect the consumer's decision to use non-cash payment. Otherwise, the results of regression analysis show that the effectiveness of the decision to use non-cash payment is affected by 5 following factors, in descending order of impacting level, applicability, reliability, visual image, compassion and serving capacity.
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