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VIETNAM NATIONAL UNIVERSITY- HOCHIMINH CITY
                                                INTERNATIONAL UNIVERSITY                                SCHOOL OF BUSINESS ADMINISTRATION

FACTORS AFFECTING THE BEHAVIOR INTENTION IN USING ATM SERVICES OF STUDENTS IN VIETNAM NATIONAL CITY IN CASE OF VIETTINBANK

                                             A Thesis proposal                                                     Submitted to                                        The school of Business Administration                                  in partial fulfillment of the requirement for the course in                                       Research Methods for Business

By
DINH THI XUAN HUONG (BABAIU10185)

                                                Supervised by                                             Dr. LE HOANG DUNG     
                                 

HO CHI MINH CITY, OCTOBER 20

CHAPTER 1: INTRODUCTION
1.1 Background
Innovative technology is becoming ever more important through all over the world, especially the automation technology. Most industries in the world are trying to utilize the leading edge technology not only in economic but also in education, medical treatments. To catch up with this development, banks had to revolutionize and modernize their systems by applying the automated payments of e-banking services such as paying electricity fees, paying salaries and many diversity services. Based on it, thousands of customers nowadays may actively connect with banks in the most convenient way through Automated Teller Machine (ATM) system because they do not have to spend a lot of time going to the bank. Nowadays, each bank has a thousand of ATMs, which are located around our country. The users have ATM cards to exchange with banks when they need to withdraw the money from their account even a small amount of money. It seems that security, accessibility, and rapidity to assist impatient clients who cannot go to bank many times a month. Besides that, the knowledge of technology is higher and higher, which contributed to the remarkable increase of customers opening the ATM card particularly students. Most of them have to live far from their family with a thousand kilometer; therefore, the best way to exchange the money between the huge distances is using ATM. As a result, it is either the challenge of banks or the opportunities of expanding ATM system in Vietnam market base on the vision of banks toward these prospective customers. In order to attract this potential target, it is crucial to comprehend the impact of behavioral intention on clients. Many scientists do research about the behavioral intention, each of them deepened their customer’s behaviors in different field. For example, Abadi, et.al (2012) investigated behavioral intention to use mobile banking, Kigongo (2005) examines the behavioral intention to use and actual system usage in Centenary bank or Jackson (1997) tried to understand the behavioral intention to use an information system.. Not only the foreign researchers but also the Vietnam researchers like Le (2008) or Hoang(2010) has explored the factors manipulating intention of customers. In general, all of them proved that behavioral intention is the critical determinant in developing in any industries related to customers. For that reasons, it is necessary to conduct the study to understand factors affecting on the behavior intention of students, who would be the future customers in my study 1.2 Purpose of study

The effort of banks has been rewarded worthily in the recent time when most of them receive a lot positive responses of ATM services from customers. According to the report in the 15th anniversary of establishment and the Annual Conference of Vietnam Banks Association in 2011 “ By the end of 2010, there were 49...
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