Abstract
Employing the second generation of the unified theory of acceptance and use of technology (UTAUT2) model to determine the factors influencing bank users’ behavioral intention toward usage likelihood of financial technology (Fintech) services in Vietnam. The methods of Cronbach's alpha test, exploratory factor analysis (EFA), confirmatory factor analysis (CFA), and structural equation modeling (SEM) analysis were used in this study. The findings indicate that there are five factors that have a positive influence on behavioral intention such as effort expectancy, social influence, hedonic motivation, user's knowledge, and experimental development. There are three factors that have a positive influence on behavior of using Fintech services, such as facilitating conditions, behavior intention, and government policies. Besides, habits, aspirational innovation, and policy synchronization are the factors that have a negative influence on behavior of using Fintech services. This study may prove diagnostically useful to the behavioral intention and behavior of using Fintech services in Vietnam.
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