The study aims to evaluate the factors affecting the intention to use digital banking in Vietnam. Multivariate data analysis techniques (Cronbach’s Alpha test, Confirmatory Factor Analysis, Structure equation model) are used for the survey data collected from 201 customers who have access to digital banking. The analysis results show that: (1) attitude towards the service, perceived usefulness has a positive impacts on the intention to use; (2) convenience does not affect the intention to use digital banking services; (3) perceived usefulness factor has a positive effect on the attitude towards the service; (4) The perceived risk has a negative impact on attitude towards the service; (5) trust has no effect on the attitude towards the service; (6) ease of use has a positive impact on perceived usefulness; (7) trust has a positive effect on perceived risk. From the results of this study, perceived usefulness has a positive effect on attitude and intention to use the service. Therefore, it is necessary to enhance the sense of the usefulness of customers through media advertising and consulting so that customers fully understand the benefits brought about by using digital banking services. Perceived risk has a negative impact on attitude towards the service.

Abstract
1. Introduction
2. Literature Review
    2.1. Overview of Digital Banking
    2.2. Hypothesis
3. Research Method
    3.1. Research Design
    3.2. Sample and Data
    3.3. Data Analysis
4. Results
    4.1. Evaluating Reliability
    4.2. Analysis Results
    4.3. Structural Equation Modeling
5. Discussion
6. Conclusion
References

• Oanh Thi NGUYEN(Academy of Politics Region II, Ho Chi Minh City) Corresponding Author.