The Impact of Digital Financial Literacy on the Financial Behavior of Customers – An Empirical Evidence in Vietnam

van Chien Nguyen and Thi Thanh Thao Dang
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van Chien Nguyen: School of Economics and Finance, Thu Dau Mot University, Ho Chi Minh City, Vietnam
Thi Thanh Thao Dang: School of Economics and Finance, Thu Dau Mot University, Ho Chi Minh City, Vietnam

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Abstract: This study aims to examine the impact of digital financial literacy on the financial behavior of digital banking customers in Ho Chi Minh City, Vietnam. Primary data were collected via a questionnaire survey involving 318 digital banking users, and using Cronbach's Alpha, EFA, the linear regression revealed that all six factors such as digital financial literacy, digital financial attitude, digital financial control and risk, digital transaction security competence, digital financial confidence, and adoption of new financial technology positively influence customer financial behavior, in which digital financial control and risk exerting the strongest impact. Based on these findings, the study proposes solutions to enhance digital financial competence, strengthen security and risk management, and foster the development of digital banking in Vietnam.

Keywords: Digital financial literacy; Financial behavior; Digital banking (search for similar items in EconPapers)
Date: 2026-10-07
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Published in European Journal of Management, Economics and Business, 2026, 3 (5), pp.95-108. ⟨10.59324/ejmeb.2026.3(5).08⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05788240

DOI: 10.59324/ejmeb.2026.3(5).08

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