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All Journal Journal of Applied Data Sciences
Phan Thanh Tam
Lac Hong University (LHU), Vietnam
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management

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Journal : Journal of Applied Data Sciences

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Applied Regression Modelling to Recommend Microfinance Development Policies Nguyen Quoc Huy; Lu Phi Nga; Phan Thanh Tam
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.139

Abstract

Microfinance plays an essential role in the socio-economic development of each country through support for poverty reduction. In Vietnam, hunger eradication and poverty reduction under the National Target Program have received attention and implementation in recent years. However, during 2020-2021, Vietnam had several difficulties and hurdles for microfinance organizations, exacerbated by the Covid-19 outbreak, which was hurting the country and all sectors of social life. Microfinance is an excellent instrument for long-term poverty reduction since it teaches the poor how to do business and save and provides essential information. However, microfinance has not yet reached its full potential in our nation. One of the suggested reasons is the legal framework impediment. Thus, the research examines the State's policies for microfinance operations using a survey of 260 staffs related to microfinance activities from 30 microfinance organizations and 30 commercial banks in Vietnam, with data processed using SPSS 20.0. Finally, the study's value suggests ideas for removing barriers to continued microfinance activity development in Vietnam.
Applying Structural Equation Modeling for Accessing Mobile Banking Service Quality and Customer Satisfaction: A Case Study in Vietnam Nguyen Quoc Huy; Lu Phi Nga; Phan Thanh Tam
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.137

Abstract

Mobile Banking allows customers to use mobile devices and smartphones to conduct banking transactions anytime, anywhere. On the other hand, Mobile banking is a service product that brings high business efficiency, does not cost much, creates initiative for users, reduces pressure on over-the-counter transactions and has little risk, so developing developing mobile banking services brings great benefits to banks. Therefore, using scientific and technological achievements, particularly information technology, electronics, and telecommunications, has had a significant impact on daily life, the economy, and society, changing people's awareness and production and business methods in a wide range of fields and industries, including financial-banking services. In order to address the aforementioned analytical concerns, the authors performed a survey of 650 individual consumers who use mobile banking services at ten commercial banks in Vietnam. The authors employed structural equation modeling and data processing tools SPSS 20.0, Amos. Customer satisfaction is influenced by five elements, according to the findings: dependability, responsiveness, empathy, competence, and tangibles. The findings of the article had a significant reliability influence on individual customer satisfaction, with a significance level of sig 0.01. Finally, the study uniqueness validates ideas regarding customer satisfaction and service quality drivers, as well as the need of flexibly implementing customer satisfaction research policies.
Co-Authors Lu Phi Nga Nguyen Quoc Huy