Perceived Risk and Usage Behavior Of Ai-Based Banking Services: An International Perspective

Abstract

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.