https://mail.insyma.org/proceedings/files/original/articles/20. Vietnam_Phuc Quy Thanh Nguyen.pdf Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Proceedings of the International Symposium on Management (INSYMA) (Vol 22, 2025) Proceedings meta_title Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City Author #1 Dinh Linh Chau Author #2 Phuc Quy Thanh Nguyen Abstract/Description The integration of artificial intelligence (AI) into banking services is driving significant transformations in customer experiences, offering personalized and highly efficient solutions. However, the adoption of AI in personal banking services in Ho Chi Minh City (HCMC) still faces numerous challenges. This study - conducted in the context of Vietnam's banking industry accelerating digital transformation post-pandemic - aims to identify the factors influencing customers' intentions to use AI in personal banking services in HCMC. By synthesizing relevant literature and proposing a research model, we identified nine key factors, with the three most prominent being: technical compatibility, relative advantage, and technical complexity. Results show that, contrary to initial predictions, technical compatibility (? = 0.347) and organizational readiness (? = 0.153) exert strong positive influences, while technical complexity (? = -0.183) poses a significant barrier for older users. The study employs analytical methods such as reliability testing (Cronbach's Alpha), exploratory factor analysis (EFA), regression analysis, and model validation. The findings provide valuable insights for ba... keywords a;b;c;d Artificial Intelligence (AI), Personal Banking Services, Ho Chi Minh City (HCMC), Intention to Use, Technical Compatibility, Relative Advantage, Technical Complexity, Organizational Readiness publication_date 2025/06/20 2025/06/20 pdf_url https://insyma.org/proceedings/files/articles/20. Vietnam_Phuc Quy Thanh Nguyen.pdf abstract_html_url https://insyma.org/proceedings/items/show/ https://insyma.org/proceedings/items/show/491 firstpage 1109 lastpage 1115 issn 3047-857X 3047-857X conference Proceedings of the International Symposium on Management (INSYMA) Proceedings of the International Symposium on Management (Volume 21, 2024) publisher_name Fakultas Bisnis dan Ekonomika, Universitas Surabaya Fakultas Bisnis dan Ekonomika, Universitas Surabaya no article 179 Volume 22 authors Dinh Linh Chau, Phuc Quy Thanh Nguyen Dublin Core The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/. Title A name given to the resource Factors Influencing the Intention to Use Artificial Intelligence in Personal Banking Services in Ho Chi Minh City Creator An entity primarily responsible for making the resource Dinh Linh Chau