International Journal of

ADVANCED AND APPLIED SCIENCES

EISSN: 2313-3724, Print ISSN: 2313-626X

Frequency: 12

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 Volume 13, Issue 5 (May 2026), Pages: 110-119

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 Original Research Paper

Determinants of Generation Z customers’ intention to use mobile banking applications in joint-stock commercial banks in Ho Chi Minh City

 Author(s): 

Thanh Phuc Quy Nguyen, Thao Nguyen Phuong *, Nhan Truong Thanh Dang

 Affiliation(s):

Business Administration Department, Ho Chi Minh University of Banking, Ho Chi Minh City, Vietnam

 Full text

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 * Corresponding Author. 

   Corresponding author's ORCID profile:  https://orcid.org/0009-0004-1513-8835

 Digital Object Identifier (DOI)

 
https://doi.org/10.21833/ijaas.2026.05.011

 Abstract

This study investigates the factors influencing Generation Z customers’ intention to use mobile banking applications in joint-stock commercial banks in Ho Chi Minh City, with particular attention to the mediating role of green awareness. A mixed-methods approach was applied. First, qualitative methods, including expert consultation and scale refinement, were conducted. This was followed by a quantitative survey, yielding 353 valid responses, which were analyzed using variance-based structural equation modeling. The results show that trust, subjective norms, social influence, and brand have positive effects on green awareness, which in turn increases the intention to use mobile banking applications. Among these factors, brand has the strongest indirect effect through green awareness. Based on these findings, several managerial implications are suggested to help banks better attract Generation Z customers. These include maintaining consistent green brand positioning, developing community-based social influence programs, improving transparency and security to enhance trust, and introducing in-app features that clearly show individual environmental benefits.

 © 2026 The Authors. Published by IASE.

 This is an open access article under the CC BY-NC-ND license (https://creativecommons.org/licenses/by-nc-nd/4.0/).

 Keywords

Mobile banking adoption, Green awareness, Generation Z, Brand influence, Structural equation modeling

 Article history

Received 21 December 2025, Received in revised form 1 May 2026, Accepted 9 May 2026

 Acknowledgment

No Acknowledgment. 

 Compliance with ethical standards

 Ethical considerations

This study was conducted in compliance with ethical standards for research involving human participants. All respondents provided informed consent prior to participation. Data were collected anonymously and used solely for academic research purposes. No personally identifiable information was retained. 

 Conflict of interest: The author(s) declared no potential conflicts of interest with respect to the research, authorship, and/or publication of this article.

 Citation:

Nguyen TPQ, Phuong TN, and Dang NTT  (2026). Determinants of Generation Z customers’ intention to use mobile banking applications in joint-stock commercial banks in Ho Chi Minh City. International Journal of Advanced and Applied Sciences, 13(5): 110-119

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