vietnamese usage of online banking service
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Vietnamese usage of online banking services
- 63% people above 35 years old use online banking regularly
Survey information
• Vietnamese usage of online banking service• 500 Vietnamese people between 20-39 years old• Conducted on April 20th – April 22nd, 2015
Executive Summary
• Vietcom bank is most popular nation-wide, while the popularity of Vietin bank is high in the north.
• 63% people above 35 years old use online banking regularly and 38% people under 24 years old are not having an online banking account.
• 52% Vietnamese have concern about Security when using online banking and most of them feel comfortable using this service.
Bank account numbers and types
1 2 3 More than 3
None0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
# of bank account owns
20 - 24 25 - 29 30 - 34 35 - 39ATM Debit card Credit card
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100% 96%
23%
15%
Type of bank cards
People above 35 tends to have more cards than the youth.
Which of following banks do you have account?
People from the North mostly have accounts in Vietinbank; and Vietcombank is more popular for the South people.
Vietcombank
Saco
mbank
Vietinbank
Techco
mbank
Agribank
BIDV
ACB
Dong AHSB
CANZ
Citibank
Others0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
37%
10%
41%
16%
37%
31%
7%
12%
1% 1% 1%
12%
45%
19%
24%
17%
26%
15% 15%
23%
3%1% 1%
12%
North South
Which of following bank do you use the most?
Vietcombank
Saco
mbank
Vietinbank
Techco
mbank
Agribank
BIDV
ACB
Dong AHSB
CANZ
Citibank
Others0%
5%
10%
15%
20%
25%
30%
23%
0%
26%
4%
14% 14%
5%4%
1%0% 0%
9%
26%
7%
12%
7%
15%
7%
9%11%
1% 1% 0%
5%
North South
26% people from the North prefer Vietinbank; whereas 26% people from the South prefer Vietcombank.
What is important when you have the card payment?
Others
Installment service
Point service
Low transaction cost
Promotion
Convenience
0% 10% 20% 30% 40% 50% 60% 70% 80%
9%
20%
26%
26%
31%
73%
73% people using bank card because of its convenience.
Do you use online banking service?
Yes, I use it regularly I have account but do not use
I have account but do not know how to use
I don't have online account
0%
10%
20%
30%
40%
50%
60%
70%
38%
17%
7%
38%
51%
19%
4%
27%
46%
23%
1%
30%
63%
7%
2%
27%
20 - 24 25 - 29 30 - 34 35 - 39
63% people above 35 years old use online banking regularly and 38% people under 24 years old are not having an online banking account.
Which devices do you use for online banking?
Tablet
PC
Smartphone
Laptop
0% 10% 20% 30% 40% 50% 60% 70%
23%
48%
56%
58%
Laptop & smartphone are the most common devices to access to online banking.
What services do you usually use for online banking?
Others
Money loan
Local tax payment
Foreign money exchange
Financial service
Billing payment (Electricity, Water, Internet, etc.)
Mobile phone top-up
Salary checking
Online shopping payment
Account balance checking
Money transfer
0% 10% 20% 30% 40% 50% 60% 70%
3%
8%
10%
12%
19%
31%
39%
41%
46%
51%
62%
62% Vietnamese using online banking for money transfer.
What are your concerns when using online banking services？
0%
10%
20%
30%
40%
50%
60%
52%
21%
16%
7%
2% 2%
52% Vietnamese have concern about Security when using online banking.
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