Các nhân tố ảnh hưởng đến tiếp cận tài chính toàn diện của khách hàng cá nhân qua tần suất sử dụng dịch vụ của ngân hàng thương mại trên địa bàn tỉnh An Giang

Abstract

This study aims to determine and measure the impact of factors affecting financial inclusion of individual customers through the frequency of using services of commercial banks from August to October 2022 in An Giang province. The study was conducted by surveying individual customers who used the services of commercial banks in An Giang province. As a result, 169 surveys were satisfactory and were cleaned. The built regression equation is suitable, there are 3 independent variables in the research model that have a positive impact on the frequency of using banking services as follows: the purpose of opening a bank account, the convenience and accessibility of bank branch. On the basis of the findings, the author also gives conclusions and recommendations to help develop banking products and services, improve the ability of individual customers to access comprehensive finance through services of commercial banks in Vietnam.