The paper focuses on understanding fintech and the application of fintech in the banking sector in Vietnam. To solve this research objective, the authors analyze fintech development trends, especially the fintech application in the banking sector in Vietnam. To improve the quality of fintech services at banks, the authors conducted consideration of factors affecting customers’ intention to use fintech services. To accomplish this, the authors collected data through a survey of 620 customers of the banks located in Ho Chi Minh City – the largest economic center in Vietnam. For the analytical method, the authors used multivariate regression to estimate the research model. Research results show that fintech service is very important for the banking sector in Vietnam. Moreover, this paper has achieved great success by identifying the factors that influence customers’ intention to use fintech services. Accordingly, the intention to use fintech (INT) services is positively affected by the perception of usefulness (PU), social impact (SI), customer trust (TRU), and perceived ease of use (PEU). Based on the results of this study, bank managers will have a basis to improve the quality of fintech services. Not only that, the results of this study are also valuable for policymakers and researchers.

Abstract
1. Introduction
2. Literature Review and HypothesisDevelopment
    2.1. Perceived Usefulness (PU) and Intention toUse Fintech (INT) Services
    2.2. Perceived Ease of Use (PEU) and Intention toUse Fintech (INT) Services
    2.3. The Trust of Customers (TRU) and Intentionto Use Fintech (INT) Services
    2.4. Social Influence (SI) and Intention to UseFintech (INT) Services
3. Methodology
4. Empirical Results
    4.1. Fintech Development Trend in Vietnam
    4.2. Regression Results
5. Conclusions
References

• Nguyen Thi Kim LIEN(Faculty of Finance and Banking, Industrial University of Ho Chi Minh City (IUH))
• Thu-Trang Thi DOAN(Faculty of Finance and Banking, Industrial University of Ho Chi Minh City (IUH)) Corresponding Author
• Toan Ngoc BUI(Faculty of Finance and Banking, Industrial University of Ho Chi Minh City (IUH))