Impact of the Mobile Banking Application Ratings on the Vietnamese Bank Service Income

Tien Phat Pham; Boris Popesko; Sinh Duc Hoang; Tri Ba Tran

doi:10.18778/1508-2008.26.09

Autor

Tien Phat Pham Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republic Can Tho University, School of Economics, Vietnam https://orcid.org/0000-0001-9472-5878
Boris Popesko Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republic https://orcid.org/0000-0002-3590-7070
Sinh Duc Hoang Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republic Ho Chi Minh City University of Foreign Languages – Information Technology https://orcid.org/0000-0001-6382-4056
Tri Ba Tran Can Tho University, School of Economics, Vietnam https://orcid.org/0000-0003-3635-1163

DOI:

https://doi.org/10.18778/1508-2008.26.09

Słowa kluczowe:

aplikacja bankowości mobilnej, ratingi, dochody z usług, bank, Wietnam

Abstrakt

Na podstawie zależności pomiędzy wynikami przedsiębiorstw FinTech i banków a rolą aplikacji mobilnych w operacjach bankowych zbadano wpływ ratingów aplikacji bankowości mobilnej (MBA) na dochody z usług bankowych. Kwartalne dane z 15 największych wietnamskich banków komercyjnych z lat 2019–2020 pochodziły z publicznych sprawozdań finansowych oraz ze sklepu Google Play. Zastosowano uogólnioną metodę najmniejszych kwadratów do estymacji parametrów proponowanych modeli regresji. Potwierdzono pozytywny wpływ ratingów MBA na dochody z usług bankowych. Dodatkowo zbadano jakość aplikacji MBA dużego banku, który nie spełnia oczekiwań klientów i określono, jak interakcja między ocenami MBA a mechanizmem dźwigni obniża przychody z usług bankowych. Ponadto użytkownicy ogólnie doceniali jakość MBA, a COVID–19 nie wpływał na związek między ocenami MBA a dochodami z usług bankowych. Opracowanie dostarcza nowatorskiej wiedzy na temat zachowań klientów poprzez ratingi aplikacji MBA i ich wpływ na przychody z usług bankowych w kraju wschodzącym.

Pobrania

Brak dostępnych danych do wyświetlenia.

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