This research explores the primary factors that impact Generation Z’s intention to adopt mobile banking services offered by commercial banks in Vietnam. The study introduces a conceptual framework where the dependent variable is the "decision to use," influenced by six independent variables: (i) ease of use, (ii) functional variety, (iii) security and privacy, (iv) perceived risk, (v) attractiveness of the platform, and (vi) social influence. Data were collected through a survey yielding 200 valid responses, which were then processed and analyzed using SPSS 20.0. Findings indicate that among the six factors examined, two have a particularly strong influence on Generation Z’s decision to use mobile banking. Drawing from these results, the study offers recommendations aimed at encouraging greater adoption of mobile banking services, thereby supporting the advancement of financial inclusion in Vietnam.
