Decision to Implementation of Credit Management System at Commercial Banks - Experimental Survey in Da Nang City, Vietnam

Le Anh  Tuan; Nguyen Le  Nhan; Mai Thi Quynh  Nhu; Nguyen Thi Huyen  Tram; Nguyen Vuong Thanh  Long

doi:10.36941/ajis-2022-0102

Authors

Le Anh Tuan Ph.D. student, Institute of Research and Development, Duy Tan University, Da Nang, Vietnam
Nguyen Le Nhan Faculty of Accounting, Duy Tan University, Da Nang, Vietnam
Mai Thi Quynh Nhu Faculty of Accounting, Duy Tan University, Da Nang, Vietnam
Nguyen Thi Huyen Tram Ph.D. student, HCMC University of Technology and Education, Ho Chi Minh city, Vietnam
Nguyen Vuong Thanh Long Ph.D. student, Thu Dau Mot University, Binh Duong, Vietnam

DOI:

https://doi.org/10.36941/ajis-2022-0102

Keywords:

credit management system, commercial bank, Da Nang

Abstract

The purpose of this study is to evaluate the factors affecting the decision to deploy a credit management system at commercial banks in Da Nang city. The author used a combination of mixed research methods in this study. The qualitative research method aims to build a research model from the analysis of previous related studies. The author used a quantitative method to survey 336 subjects who are managers, direct employees of the credit department at banks. Research results show that there are four factors that greatly influence the decision to choose a bank. Deposit individual customer savings in order: usefulness, controllability, relevance, and implementation cost. Through this result, it will help commercial banks orient the development of LOS credit management system at commercial banks in the future.

Received: 10 January 2022 / Accepted: 25 June 2022 / Published: 5 July 2022