越南的金融發展和電子銀行服務 - 動機和挑戰

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研究生：	武王輝 Huy, Vuong Vo
論文名稱：	越南的金融發展和電子銀行服務 - 動機和挑戰 FINANCIAL DEVELOPMENT AND ELECTRONIC BANKING SERVICES IN VIETNAM- MOTIVATIONS AND CHALLENGES
指導教授：	林哲群 Lin, Che-Chun
口試委員:	張焯然 Chang, Jow-Ran 楊屯山 Yang, Twan-Shan 蔡錦堂 Tsai, Chin-Tang
學位類別：	碩士 Master
系所名稱：	科技管理學院 - 國際專業管理碩士班 International Master of Business Administration(IMBA)
論文出版年：	2019
畢業學年度：	107
語文別：	英文
論文頁數：	41
中文關鍵詞：	金融發展、越南、電子銀行服務
外文關鍵詞：	Financial Development, Electronic banking services
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Recently, Vietnam has recorded a significant development in the economy, the financial sector in particular. The Vietnam financial sector has been making first steps toward modernization by its transition from traditional banking to electronic banking activities. The launching of e-banking products and services is considered as a significant milestone of the banking industry, which brings numerous benefits to both clients and financial institutions. Through the industrialization 4.0 orientation, the e-banking services have played a critical role in helping the financial institution to stay competitive by adapting to the recent changes in the financial market.
This study undertakes an insight into the development of the financial sector in Vietnam with its transition to the growth and the implementation of electronic banking services. Throughout the research, the primary goal is to discover the reasons behind the decision to launch e-banking services of the banks and then investigates the challenges that might involve during the e-banking service implementation process.
The results of the paper show that the critical motivations for a bank to implement e-banking services are to create more values for its customers via enhancing customer experience, improve customer satisfaction as well as with aims to expand the market. Along with its benefits brought by e-banking services, financial institutions also deal with variety of challenges which come from both internal and external factors such as customer awareness, under-developed infrastructure level, operational risks, etc…. In the end, this research also provides some recommendations for the banks to implement e-banking activities better in the Vietnamese context.

Table of Contents
ABSTRACT                                                           ii
ACKNOWDLEGEMENT                                                   iii
CHAPTER 1                                                           1
INTRODUCTION                                                        1
1.1 Research Background                                             1
1.2 Statement of Research Problems                                  3
1.3 Thesis Objectives and Research Questions                        4
CHAPTER 2                                                           6
LITERATURE REVIEW                                                   6
2.1 OVERVIEW OF THE FINANCIAL DEVELOPMENT IN VIETNAM                6
2.1.1 Political System                                              6
2.1.2 Joining WTO Membership                                        6
2.1.3 Financial Sector Reforms                                      7
2.1.4 Economic Factors                                              9
GDP Growth Rate                                                     9
Inflation                                                          10
Technological factors                                              11
2.1.5 Banking Sectors in Vietnam                                   12
Structure of the banking system                                    12
2.2 GROWTH AND DEVELOPMENT OF ELECTRONIC BANKING IN VIETNAM        14
2.2.1 Overview of Electronic Banking Services                      14
Electronic Fund Transfer at Point of Sale (EFTPOS)                 15
Automated Teller Machine                                           15
Telephone Banking                                                  16
Internet Banking                                                   16
Credit card                                                        17
Debit cards                                                        17
2.2.2 E-banking services in Vietnam                                17
CHAPTER III                                                        21
METHODOLOGY                                                        21
3.1 Data Collection Method                                         21
3.2 Research Scope                                                 22
CHAPTER 4                                                          24
FINDINGS                                                           24
4.1 Motivations for implementing the E-banking services in Vietnam 24
4.1.1 Motives from clients                                         24
Enhance the availability to access banking services.               24
Cost Efficient                                                     24
Time-Saving                                                        25
Safety                                                             26
Better Financial Management                                        26
4.1.2 Motives from the financial institutions                      27
Cost-Saving                                                        27
Market transparency- Gain competitive advantage                    27
Cross-selling Ability                                              27
4.2 Challenges in implementing e-banking services.                 28
Operational Risk – Security                                       28
Reputational risk                                                  30
Human Resources Competency                                         31
Traditional Banking Service                                        32
Infrastructure Level                                               32
CHAPTER 5                                                          34
SUMARY, CONCLUSIONS AND RECOMMENDATIONS                            34
5.1 Summary                                                        34
5.2 Recommendations for Vietnamese Financial institutions.         37
REFERENCES                                                         39


                                

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