Dialectical Interfaces of Digital Banking Adoption: A Multi-Methodological Investigation of Technological Perception Determinants and Financial Inclusion Trajectories in Vietnam's Transitional Economy

This research establishes an integrative epistemic framework for understanding the complex dialectical relationship between digital banking adoption and financial inclusion trajectories within Vietnam's distinctive transitional economic landscape. Employing a multi-methodological research design, this study synthesises structural equation modelling (PLS-SEM) with fuzzy-set Qualitative Comparative Analysis (fsQCA) to interrogate the configurational pathways through which technological perception determinants influence financial inclusion outcomes. Data collected from 437 respondents across urban and rural Vietnamese contexts were subjected to rigorous analytical protocols. The empirical findings reveal multifaceted causal mechanisms linking perceived usefulness, perceived ease of use, perceived risk, and social influence to financial inclusion, with technological self-efficacy demonstrating significant moderating effects. The fsQCA results further illuminate equifinal pathways to financial inclusion, suggesting complex conjunctural causation patterns that transcend linear analytical frameworks. This research contributes to the theoretical discourse by developing a comprehensive model of digital banking adoption in transitional economies, whilst offering practical insights for financial institutions and policymakers seeking to leverage digital technologies to enhance financial inclusion. The integration of variance-based and set-theoretic methodological approaches represents a methodological innovation in financial inclusion scholarship, providing a more nuanced understanding of the complex socio-technical phenomena underlying banking digitalisation processes in emerging economic contexts.

Authors

Publication Details

Journal
Journal of Economics Finance and Management Studies
Published
2025-05-28
DOI
https://doi.org/10.47191/jefms/v8-i5-53
Citations
1
Primary Topic
Economic Growth and Development
Type
article
Field-Weighted Citation Impact
3.25
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

Dialectical Interfaces of Digital Banking Adoption: A Multi-Methodological Investigation of Technological Perception Determinants and Financial Inclusion Trajectories in Vietnam's Transitional Economy

Thi Mai Phuong Bui, Dang Yen Tram Hoang
1 citations
Journal of Economics Finance and Management Studies
Economic Growth and Development
3.25
article

Dialectical Interfaces of Digital Banking Adoption: A Multi-Methodological Investigation of Technological Perception Determinants and Financial Inclusion Trajectories in Vietnam's Transitional Economy

Thi Mai Phuong Bui, Dang Yen Tram Hoang
article en
1 citations

Abstract

This research establishes an integrative epistemic framework for understanding the complex dialectical relationship between digital banking adoption and financial inclusion trajectories within Vietnam's distinctive transitional economic landscape. Employing a multi-methodological research design, this study synthesises structural equation modelling (PLS-SEM) with fuzzy-set Qualitative Comparative Analysis (fsQCA) to interrogate the configurational pathways through which technological perception determinants influence financial inclusion outcomes. Data collected from 437 respondents across urban and rural Vietnamese contexts were subjected to rigorous analytical protocols. The empirical findings reveal multifaceted causal mechanisms linking perceived usefulness, perceived ease of use, perceived risk, and social influence to financial inclusion, with technological self-efficacy demonstrating significant moderating effects. The fsQCA results further illuminate equifinal pathways to financial inclusion, suggesting complex conjunctural causation patterns that transcend linear analytical frameworks. This research contributes to the theoretical discourse by developing a comprehensive model of digital banking adoption in transitional economies, whilst offering practical insights for financial institutions and policymakers seeking to leverage digital technologies to enhance financial inclusion. The integration of variance-based and set-theoretic methodological approaches represents a methodological innovation in financial inclusion scholarship, providing a more nuanced understanding of the complex socio-technical phenomena underlying banking digitalisation processes in emerging economic contexts.

Journal of Economics Finance and Management StudiesVol. 08(05)
Openalex Percentile: Top 9%
Economic Growth and Development
3.25
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.

Dialectical Interfaces of Digital Banking Adoption: A Multi-Methodological Investigation of Technological Perception Determinants and Financial Inclusion Trajectories in Vietnam's Transitional Economy — Thi Mai Phuong Bui, Dang Yen Tram Hoang · Journal of Economics Finance and Management Studies (2025) | TGRS Research Map | TGRS