https://mail.insyma.org/proceedings/files/original/articles/3. Vietnam_Phan Thi Thanh Quyen.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 Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective Author #1 Phan Thi Thanh Quyen Author #2 Dang Thi Ly Abstract/Description With the national digital transformation strategy and the rapid development of fintech, the application of AI in Vietnam’s banking sector is an inevitable trend. However, a key concern is whether Vietnamese customers are ready to accept and use AI-based banking services, given the numerous online fraud cases and severe financial losses associated with digital banking. To provide experts, policymakers, and regulatory authorities with a comprehensive understanding of the factors influencing banking service adoption, this article examines the impact of perceived risk on the usage behavior of AI-based banking services from the perspective of the global scientific community. Due to differences in research contexts, subjects, and methodologies, findings are inconsistent: some studies suggest that perceived risk has no or only a minor impact, while others show conflicting results, indicating that perceived risk can influence user behavior both positively and negatively. Therefore, to effectively propose and implement practical policies that promote the development of AI-based banking services in Vietnam, it is essential to conduct studies that specifically assess the impact of perceived risk on Vietnamese customers’ adoption behavior. keywords a;b;c;d Perceived Risk, AI-based Banking Services, Usage Behavior, Vietnam, Fintech, Digital Transformation publication_date 2025/06/20 2025/06/20 pdf_url https://insyma.org/proceedings/files/articles/3. Vietnam_Phan Thi Thanh Quyen.pdf abstract_html_url https://insyma.org/proceedings/items/show/ https://insyma.org/proceedings/items/show/504 firstpage 1181 lastpage 1186 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 192 Volume 22 authors Phan Thi Thanh Quyen, Dang Thi Ly 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 Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective Creator An entity primarily responsible for making the resource Phan Thi Thanh Quyen