Intention to Use M–Banking: The Role of E–WOM

  • Thanh D. NguyenEmail author
  • Thy Q. L. Nguyen
  • Thi V. Nguyen
  • Tung D. Tran
Conference paper
Part of the Advances in Intelligent Systems and Computing book series (AISC, volume 940)


M–banking is one of the latest mobile technological phenomena, which is fetching multiple benefits to the banking sector and the customers. Based on illustrious e–WOM, extremely cited IT adoption (TAM) and the related studies, this paper explores the role of e–WOM on intention to use m–banking. A survey research with structural equation modeling (SEM) of 220 participants who have used or intend to use m–banking in Vietnam. Research results externalize that e–WOM has a dominant role in the structural model of intention to use m–banking. Interestingly, the research model highly amounts to 76.3% of intention to use m–banking.


e–WOM IT adoption m–banking Perceived costs Trust 



The authors acknowledge the helpful comments of triple-blind reviewers for this research.


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© Springer Nature Switzerland AG 2020

Authors and Affiliations

  1. 1.Banking University of Ho Chi Minh CityHo Chi Minh CityVietnam
  2. 2.Bach Khoa UniversityHo Chi Minh CityVietnam
  3. 3.Ho Chi Minh City Development BankHo Chi Minh CityVietnam

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