Tác động của miễn phí tài khoản thanh toán đến kết quả hoạt động của các ngân hàng thương mại Việt Nam

Abstract

Recently, the serve competition in digital banking services lead to a trend in waving fees on transaction account in order to attract new customers. The zero fee policies can reduce the banks’ fee income. However, the banks may benefit by attracting new customers, increasing cross-selling and reducing cost of fund… To this point, there’s no research findings on the impact of zero fee policy to the overall banks’ performance. The study estimates the impacts of free payment accounts to banks’ ROA and ROE, using regression models and balanced panel data from 18 largest Vietnamese commercial banks during the period of 2011-2021. The results show that the free policy of checking accounts have positive impacts on the bank’s financial results. The survey results have found considerable effects of free payment account in increasing brand reputation competitiveness, expanding customers. The study suggests effective fee policies for payment accounts of commercial banks