Citation:

PhD. Mai Thi Dung, Le Phuong Linh, Truong Thuy Duong. "Researching Factors Influences the Intention to Continue Using Personal Finance Management Apps Among Vietnamese Users by Technology Continuance Theory (TCT) Model" International Research Journal of Economics and Management Studies, Vol. 4, No. 4, pp. 58-68, 2025.

Abstract:

This study aims to explore the factors influencing Vietnamese users’ intention to continue using personal finance management apps. The research used the Technology Continuance Theory (TCT) model, which includes the following factors: (1) Perceived Usefulness, (2) Perceived Ease of Use, and (3) Confirmation of Expectations (KV), which impacts “Satisfaction”; and (4) Satisfaction (HL) and (5) Subjective Norms (CCQ), which influence the “Intention to Continue Using Personal Finance Management Apps” (KV). The study findings indicate that “Subjective Norms” (CCQ) have the strongest impact on the intention to continue using personal finance management apps (KV), with an influence level of 0.607. The factor “Satisfaction” (HL) has an impact level of 0.317 on INT. The “Confirmation of Expectations” (KV) factor influences Satisfaction with a level of 0.429. “Perceived Ease of Use” (SD) and “Perceived Usefulness” (CN) influence Satisfaction at levels of 0.309 and 0.179, respectively. Based on the research results, the authors provide discussions and recommendations to enhance the intention to continue using personal finance management apps for service providers in this market.

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Keywords:

Influencing factors, Intention, Continue using, Personal finance management Apps, Vietnam, TCT model.