Analysis of Gamification, Perceived Privacy Risk Factors and User Intention of Digital Banking Users Across Vietnam

Viet-Tam Tran (), Thanh-Ha Doan () and Thi-Thu-Ha Nguyen ()
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Viet-Tam Tran: University of Banking, Department of Management Information Systems, Faculty of Management Information Systems
Thanh-Ha Doan: University of Banking, Department of Finance, Faculty of Finance
Thi-Thu-Ha Nguyen: University of Banking, Department of Management Information Systems, Faculty of Management Information Systems

A chapter in Vietnamese Business and Sustainable Development in a Globalized and Digitalized Era, 2026, pp 185-198 from Springer

Abstract: Abstract This study explores how gamification and perceived privacy risk factors influence the acceptance of digital banking among users in Vietnam. The impact level, theoretical contributions and practical values for policy makers are determined. In terms of theory building, hypothesises are developed based on the original TAM model combination with gamification and perceived privacy risk factors. PLS-SEM method is used to carry out the research process of finding relationships between factors affecting users’ acceptance of using digital banking in Vietnam with 615 complete survey results. The main focus result of this study is shown that gamification has positive affection on perceived ease of used otherwise perceived privacy risk has negative effect. Additionally, the study suggests potential areas for future research to enhance the understanding of privacy and applying gamification in digital banking field.

Keywords: digital banking; perceived privacy risk; gamification; TAM; PLS-SEM; technology acceptance model (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-032-24745-2_10

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DOI: 10.1007/978-3-032-24745-2_10

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