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        Factor Affecting Customers' Decision to Use Mobile Banking Service: A Case of Thanh Hoa Province, Vietnam

        LE, Hoang Ba Huyen,NGO, Chi Thanh,TRINH, Thi Thu Huyen,NGUYEN, Thi Thu Phuong Korea Distribution Science Association 2020 The Journal of Asian Finance, Economics and Busine Vol.7 No.2

        The article aims to identify the main factors affecting customers' decision to use mobile banking service in Vietnam, a case study in Thanh Hoa province. Based on theoretical frameworks of the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), the study has been conducted with 370 questionnaires to consumers who have not yet used and are currently using mobile banking in Thanh Hoa province. The research results indicates that several factors have been evaluated to be more important than others, of which, the social influence is the strongest, the second is the compatibility and some others factors such as perceived ease of use, perceived trust, etc., all affecting the intention to use mobile banking in Thanh Hoa. Based on these important results, the article propose a number of recommendations: (i) Exploiting the advantages of social influence on the increase of intention to use; (ii) Increasing compatibility and minimizing costs for customers when they use Mobile Banking; (iii) Developing a strategy to increase the users' perceived ease of using banking services; (iv) Issuing a policy on increasing the security of Mobile Banking system to meet customers' needs; and (v) Developing an individual customer management system to improve service quality.

      • Phenotyping Stress in Virtual Reality Environment

        Brandon Earl Falk,Trinh Ngo Le Phuong,Ian Oakley 한국HCI학회 2024 한국HCI학회 학술대회 Vol.2024 No.1

        Reality (VR) and Augmented Reality (AR) into workflows, understanding their impact on employee stress is essential. This study examines stress detection in VR, focusing on physiological markers (facial expressions) and behavioral signals (controller movements). 12 participants were subjected to the Trier Social Stress Test, with VR headsets capturing facial expressions and controllers tracking motion data. Stress levels were evaluated using the State-Trait Anxiety Inventory (STAI) and compared against traditional stress detection methods. A classifier was used to categorize stress, merging facial cues, controller data, and STAI results achieving a 62.14% accuracy. The findings highlight VRs potential in automatic stress recognition and offer a multidimensional approach to stress analysis. This research intersects psychology, humancomputer interaction, and affective computing, marking a significant advancement in technology-enabled stress evaluation and opening avenues for future research in VRbased stress phenotyping.

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