Factors influencing the consumer resistance to use the internet banking services: Focused on vietnam

초록

The wide development of the Internet and smart devices, as well as the enormous investment of banking in the Information Technology field offer consumers convenient and easy finance services. Although Internet banking services have been provided since 2004 in Vietnam, the number of users is still low. This research aimed to point out the main factors influencing the resistance of consumers to innovation, regarding Internet banking services and empirically verified the impacts of the acceptance of Internet banking services in Vietnam. The research model is composed of four barriers in the consumers�� resistance to innovations theory of Ram (1989) and five dimensions according to the theory of Cunningham (1967) were used to measure risk barrier. The empirical results showed that tradition barrier, financial risk barrier, performance risk barrier and privacy risk barrier have significant effects on the resistance innovation of consumers; whereas, the influence of usage barrier and value barrier is insignificant. Nevertheless, time risk barrier, social risk barrier and image barrier have no effect on the consumers�� resistance to innovation. In addition, resistance to innovation of consumers has a negative impact on the intention to use Internet banking services in Vietnam. ? Rushing Water Publishers Ltd. 2019.

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