DETERMINANTS OF THE INTENTION TO USE LOAN SHARKS OF STUDENTS: EMPIRICAL EVIDENCES FROM VIETNAMESE UNIVERSITIES

Based on the development of the Unified Theory of Acceptance and Use of Technology model (UTAUT), the authors measured the intention to use loan sharks for students in Vietnamese universities. The research utilizes both quantitative and qualitative methods with the primary data collected from students in Vietnamese universities. The results demonstrate that three main variables significantly impact on intention to use loan sharks, namely "Social Influence," "Financial Literacy," and "Expectancy Effort." In particular, the authors added the "Financial Literacy" element through the results of in-depth interviews. Besides, "Gender" and "Academic Year" also affect the relationship between three main variables and the intention to use loan sharks. Based on the research results, the authors propose several specific policy implications for authorities to eliminate loan sharks through social media and promote financial literacy in universities

Digital Marketing in Banking Activities – Suggestions for Vietnam Banks from International Experiences

Based on the innovation of science and technology in a fierce competitive environment, digital marketing has emerged as an inevitable trend for businesses with no exception from banking areas. With the target of reaching out and providing services to progressively demanding customers, current marketing tools need to be further improved to create the best interaction. Hence, the authors aim at clarifying the concept of digital marketing, which is a new trend in banking development globally, followed by experiences as well as proposing suggestions for banks in transitional countries such as Vietnam

The Impact of Digital Transformation on Customer Satisfaction to Digital Banking Service of Commercial Banks in Vietnam

The present study focuses on examining the interplay and correlation between the digital transformation process as assessed by the digital banking service quality components (Ease of use, Effectiveness, Interoperability, Privacy/ Security, Empathy, Responsiveness, Reliability, Service portfolios, Service charge) and customer satisfaction for digital banking services at commercial banks in Vietnam. The predictors (independent variables) for this study are the aforementioned service quality aspects and moderator is Service charge. The outcome variable (dependent variable) is customer satisfaction. The authors combined qualitative and quantitative research techniques to develop observed variables and assess the model's fit. This study can help banking leaders evaluate and improve the quality of digital banking services in the context of financial liberalization and globalization. Keywords: Digital transformation, Digital Banking, Banking service quality, Customer satisfaction DOI: 10.7176/EJBM/15-6-04 Publication date:March 31st 202

Impact of self-efficacy and mediating factors on Fintech adoption in the VUCA era

This paper aims to understand the impact of factors affecting the relationship between intention and using Fintech in the VUCA era, which stands for volatility, uncertainty, complexity, and ambiguity. A cross-sectional design was employed in this study. The data was collected via questionnaires, with 1,411 usable responses received through the survey. Partial least squares structural equation modeling (PLS-SEM) was employed to assess the process with SmartPLS 4. Our research did figure out the positive impact of Perceived Usefulness and Perceived Ease of use on behavioral intention and the positive impact of Intention on Using Fintech behavior. Simultaneously, we indicated that Financial literacy could moderate the relationship between Intention and Using Fintech behavior, and Financial self-efficacy would be a mediator of the association between Financial literacy and Using Fintech behavior. Based on the results, we make some recommendations for Fintech developers in Vietnam

Demographic Factors Affecting the Level of Financial Literacy in Rural Areas: The Case of Vietnam

This article measures the level of financial literacy in the rural areas of Vietnam. The financial literacy is usually concerned by financial institutions and government organizations. This is considered to be an indicator that contributes to the assessment of the quality and potential growth of the financial system. In the article the determinants of financial literacy in Vietnam are identified. In result the authors propose a designed financial literacy enhancement programme for implementation

Theoretical Framework for Research on the Factors Affecting the Moral Hazard in Banking Operation

There are many types of risks related to banking operations such as credit risk, interest risk, operational risk. Problems related to moral hazard have led to considerable setbacks for the economy in general and banking system in particular. Besides, moral hazard is an economic and financial terminology and is used to denote the risk generated from the deterioration in ethical conduct. Hence, authors aim at reviewing theoretical framework for determinants impacting moral hazard in banks

Logarithmic-Size (Linkable) Ring Signatures from Lattice Isomorphism Problems

The Lattice Isomorphism Problem (LIP) asks whether two given lattices are isomorphic via an orthogonal linear transformation. At Eurocrypt 2022, Ducas and van Woerden provide a solid foundation for LIP as a promising candidate for post-quantum cryptography. They then propose a digital signature HAWK from LIP in the hash-then-sign framework, whose module version was recently investigated by Ducas et al. at Asiacrypt 2022. HAWK is one of the brightest prospects at round one of the NIST for additional digital signatures. In this paper, we build the first (linkable) ring signature schemes based on the hardness of LIP. The proposed signatures have the logarithmic size in the number of ring users. Our signature size is significantly smaller than several ring signatures based on other underlying problems when the number of users in the ring is large. To this end, we leverage group action properties of LIP and follow the Merkle tree-based construction of Beullens, Katsumata and Pintore at Asiacrypt 2020 in the context of isogeny-based cryptography, with suitable adaptions to lattice isomorphism group actions