Abstract
This study determines and measures the impact of online services on the competitiveness of Vietnamese commercial banks. The authors use the Generalized Least Squared method and data from 33 Vietnamese commercial banks from 2016 to 2022 to estimate the relationship. The results show that banks with high online service indexes demonstrate higher competitiveness. Internet banking activities for corporate and individual customers positively impact the competitiveness of state-owned and private commercial banks. Online services do not show a significant impact on listed banks. Meanwhile, e-banking activities have positive effects on unlisted banks. In addition, the study also provides recommendations on enhancing brand image, developing technology platforms, and enhancing security and connectivity of online service provision activities to improve the competitiveness of commercial banks.
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