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Growing Science » Decision Science Letters » The impact of digital financial literacy on the adoption of financial technology in rural areas of Vietnam

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Decision Science Letters

ISSN 1929-5812 (Online) - ISSN 1929-5804 (Print)
Quarterly Publication
Volume 14 Issue 4 pp. 877-886 , 2025

The impact of digital financial literacy on the adoption of financial technology in rural areas of Vietnam Pages 877-886 Right click to download the paper Download PDF

Authors: Dinh The Hung, Truong Duc Minh Khoi

DOI: 10.5267/j.dsl.2025.8.002

Keywords: Financial literacy, Financial knowledge, Fintech, Subjective norms, Perceived control

Abstract: This paper investigates the impact of digital financial literacy on the use of financial technology (Fintech) among people living in rural areas of Vietnam. The study employs various theoretical frameworks, including the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM), to clarify factors influencing the intention and behavior of Fintech adoption. These factors include performance expectancy, perceived risk, subjective norms, behavioral control, convenience, security, personal motivation, financial attitude, and financial behavior. Based on the research findings, the authors propose several recommendations to improve digital financial literacy among rural populations in Vietnam, recognizing it as a key factor in expanding access to and usage of modern financial services in these areas.

How to cite this paper
Hung, D & Khoi, T. (2025). The impact of digital financial literacy on the adoption of financial technology in rural areas of Vietnam.Decision Science Letters , 14(4), 877-886.

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Journal: Decision Science Letters | Year: 2025 | Volume: 14 | Issue: 4 | Views: 1624 | Reviews: 0

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