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Impact of the Mobile Banking Application Ratings on the Vietnamese Bank Service Income

dc.contributor.authorPham, Tien Phat
dc.contributor.authorPopesko, Boris
dc.contributor.authorHoang, Sinh Duc
dc.contributor.authorTran, Tri Ba
dc.date.accessioned2023-03-31T14:33:36Z
dc.date.available2023-03-31T14:33:36Z
dc.date.issued2023-03-29
dc.identifier.issn1508-2008
dc.identifier.urihttp://hdl.handle.net/11089/46512
dc.description.abstractBased on the relationship between fintech and bank performance and the role of mobile applications in bank operations, we investigate the impact of mobile banking application (MBA) ratings on bank service income. The quarterly data from the 15 biggest Vietnamese commercial banks in 2019–2020 were extracted from the public financial statements and the Google Play Store. The Generalized Least Squares method is applied to process the proposed regression models. We find a positive impact of MBA ratings on bank service income. We additionally explore the MBA quality of a large bank that does not meet customer expectations and how the interaction between MBA ratings and leverage harms bank service income. Finally, users generally appreciate the MBA quality, and COVID–19 does not affect the link between MBA ratings and bank service income. The study provides novel knowledge on customer behavior through MBA ratings and their effect on bank service income in an emerging country.en
dc.description.abstractNa podstawie zależności pomiędzy wynikami przedsiębiorstw FinTech i banków a rolą aplikacji mobilnych w operacjach bankowych zbadano wpływ ratingów aplikacji bankowości mobilnej (MBA) na dochody z usług bankowych. Kwartalne dane z 15 największych wietnamskich banków komercyjnych z lat 2019–2020 pochodziły z publicznych sprawozdań finansowych oraz ze sklepu Google Play. Zastosowano uogólnioną metodę najmniejszych kwadratów do estymacji parametrów proponowanych modeli regresji. Potwierdzono pozytywny wpływ ratingów MBA na dochody z usług bankowych. Dodatkowo zbadano jakość aplikacji MBA dużego banku, który nie spełnia oczekiwań klientów i określono, jak interakcja między ocenami MBA a mechanizmem dźwigni obniża przychody z usług bankowych. Ponadto użytkownicy ogólnie doceniali jakość MBA, a COVID–19 nie wpływał na związek między ocenami MBA a dochodami z usług bankowych. Opracowanie dostarcza nowatorskiej wiedzy na temat zachowań klientów poprzez ratingi aplikacji MBA i ich wpływ na przychody z usług bankowych w kraju wschodzącym.pl
dc.language.isoen
dc.publisherWydawnictwo Uniwersytetu Łódzkiegopl
dc.relation.ispartofseriesComparative Economic Research. Central and Eastern Europe;1pl
dc.rights.urihttps://creativecommons.org/licenses/by-nc-nd/4.0
dc.subjectmobile banking applicationen
dc.subjectratingsen
dc.subjectservice incomeen
dc.subjectbanken
dc.subjectVietnamen
dc.subjectaplikacja bankowości mobilnejpl
dc.subjectratingipl
dc.subjectdochody z usługpl
dc.subjectbankpl
dc.subjectWietnampl
dc.titleImpact of the Mobile Banking Application Ratings on the Vietnamese Bank Service Incomeen
dc.title.alternativeWpływ ratingów aplikacji bankowości mobilnej na dochody z usług bankowych w Wietnamiepl
dc.typeArticle
dc.page.number171-186
dc.contributor.authorAffiliationPham, Tien Phat - Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republic Can Tho University, School of Economics, Vietnamen
dc.contributor.authorAffiliationPopesko, Boris - Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republicen
dc.contributor.authorAffiliationHoang, Sinh Duc - Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, The Czech Republic Ho Chi Minh City University of Foreign Languages – Information Technologyen
dc.contributor.authorAffiliationTran, Tri Ba - Can Tho University, School of Economics, Vietnamen
dc.identifier.eissn2082-6737
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dc.contributor.authorEmailPham, Tien Phat - phamphattien@gmail.com
dc.contributor.authorEmailPopesko, Boris - popesko@utb.cz
dc.contributor.authorEmailHoang, Sinh Duc - sinhhd@huflit.edu.vn
dc.contributor.authorEmailTran, Tri Ba - tbtri@ctu.edu.vn
dc.identifier.doi10.18778/1508-2008.26.09
dc.relation.volume26


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