참고문헌
- Allen, H. J., "Regulatory Sandboxes", George Washington Law Review, Vol. 87, No. 3, 2019, pp. 579-645.
- An, H., "Shinhan Bank to issue Samsung Pay Cards", Vietnam Economic Times, 2018, Available at https://vneconomictimes.com/article/banking-finance/shinhan-bank-to-issue-samsung-pay-cards (Accessed 1 Oct. 2020).
- An, T., "Ngan hang thich nghi the nao voi cong nghe so?", Doanh Nhan Sai Gon Online, 2017, Available at https://doanhnhansaigon.vn/tai-chinh-chung-khoan/ngan-hang-thich-nghi-the-nao-voi-congnghe-so-1077994.html (Accessed 3 Aug. 2020).
- Anagnostopoulos, I., "Fintech and regtech: impact on regulators and banks", Journal of Economics and Business, Vol. 100, 2018, pp. 7-25. https://doi.org/10.1016/j.jeconbus.2018.07.003
- Arias-Oliva, M., Pelegrin-Borondo, J., andMatias-Clavero, G., "Variables Influencing Cryptocurrency Use: A Technology Acceptance Model in Spain", Frontiers in Psychology, 2019, Available at https://doi.org/10.3389/fpsyg.2019.00475 (Accessed 18 Mar. 2019).
- Arner, D. W. and Barberis, J. N., "Fin-Tech in China: From the Shadows?", The Journal of Financial Perspectives, Vol. 3, No. 3, 2015, pp. 78-91.
- Arner, D. W., Barberis, J. N., and Buckley, R. P., "FinTech, RegTech and the Reconceptualization of Financial Regulation", Northwestern Journal of International Law & Business, Vol. 37, No. 3, 2017, pp. 371-413.
- BBVA Research, Fintech in Emerging ASEAN: Trends and Prospects, 2017, Available at https://www.bbvaresearch.com/wp-content/uploads/2017/07/June-2017-ASEAN-Fintech-Trends1.pdf (Accessed 2 Aug. 2020).
- Belanche, D., Casalo, L. V., and Flavian, C., "Artificial Intelligence in FinTech: understanding robo-advisors adoption among customers", Industrial Management and Data Systems, Vol. 119, No. 7, 2019, pp. 1411-1430. https://doi.org/10.1108/IMDS-08-2018-0368
- Bofondi, M. and Gobbi, G., "The Big Promise of Fintech", European Economy: Banks, Regulation, and the Real Sector, Vol. 2, 2017, pp. 107-119.
- Buckley, R. P. and Malady, L., "Building Consumer Demand for Digital Financial Services-The New Regulatory Frontier", Journal of Financial Perspectives, Vol. 3, No. 3, 2015, pp. 1-36.
- Buckley, R. P. and Webster, S. E, "Fintech in Developing Countries: Charting New Customer Journeys", Journal of Financial Transformation, Vol. 44, 2016, pp. 151-159.
- Claessens, S., Frost, J., Turner, G., and Zhu, F., "FinTech credit markets around the world: size, drivers and policy issues", BIS Quarterly Review, 2018, pp. 29-49.
- Coetzee, J., "Risk aversion and the adoption of Fintech by South African banks", African Journal of Business and Economic Research, Vol. 14, No. 4, 2019, pp. 133-153. https://doi.org/10.31920/1750-4562/2019/14n4a6
- Cortet, M., Rijks, T., and Nijland, S. B., "PSD2: The digital transformation accelerator for banks", Journal of Payments Strategy and Systems, Vol. 10, No. 1, 2016, pp. 13-27.
- Dang, L., "Vietnam: Fintech regulatory landscape in Vietnam",Global Compliance News, 2020, Available at https://globalcompliancenews.com/vietnam-fintech-regulatory-landscape-in-vietnam-11062020 (Accessed 4 Aug. 2020).
- Das, K., "Vietnam Approves Development Strategy for the Banking Sector till 2025", Vietnam Briefing, 2018, Available at https://www.vietnam-briefing.com/news/vietnam-approves-development-strategyfor-the-banking-sector-till-2025.html/ (Accessed 2 Aug. 2020).
- Davis, F. D., "Perceived usefulness, perceived ease of use, and user acceptance of information technologies", MIS Quarterly, Vol. 13, No. 3, 1989, pp. 319-340. https://doi.org/10.2307/249008
- Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., and Hess, J. R., "The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution", World Bank Group, 2018, Available at http://documents.worldbank.org/curated/en/332881525873182837/The-Global-Findex-Database-2017-Measuring-Financial-Inclusion-and-the-Fintech-Revolution (Accessed 2 Aug. 2020).
- Diemers D., Lamaa, A., Salamat, J., and Steffens, T., "Developing a FinTech ecosystem in the GCC", PWC, 2015, Available at https://www.strategyand.pwc.com/m1/en/reports/developing-a-fintechecosystem-in-the-gcc.pdf (Accessed 3 Aug. 2020).
- Docherty, A., "How should banks manage the strategic risks associated with new regulations and new sources of competition?", Journal of Risk Management in Financial Institutions, Vol. 11, No. 2, 2018, pp. 109-124.
- Doderlein, D., "What is the optimal mix between banks and FinTechs in the payments architecture?", Journal of Payments Strategy & Systems, Vol. 12, No. 2, 2018, pp. 122-129.
- Doss, C. R., "Analyzing technology adoption using microstudies: limitations, challenges, and opportunities for improvement", Agricultural Economics, Vol. 34, No. 3, 2016, pp. 207-219. https://doi.org/10.1111/j.1574-0864.2006.00119.x
- EY, "ASEAN Fintech Census 2018", EY, 2018, Available at https://www.ey.com/en_sg/financial-services/asean-fintechcensus-2018 (Accessed 3 Aug. 2020).
- EY, "Global Fintech Adoption Index 2019", EY, 2019, Available at https://www.ey.com/en_gl/ey-global-fintech-adoption-index (Accessed 28 Jul. 2020).
- Fernandez-Vazquez, S., Rosillo, R., De La Fuente, D., and Priore, P., "Blockchain in FinTech: A Mapping Study", Sustainability, Vol. 11, No. 22, 2019, pp. 1-24.
- Frost, J., "The Economic Forces Driving FinTech Adoption across Countries", BIS Working Papers No. 838, 2020, pp. 1-13.
- Gomber, P., Koch, J. A., and Siering, M., "Digital Finance and FinTech: current research and future research directions", Journal of Business Economics, Vol. 87, No. 5, 2017, pp. 537-580. https://doi.org/10.1007/s11573-017-0852-x
- Gozman, D. and Willcocks, L., "The emerging Cloud Dilemma: Balancing innovation with cross-border privacy and outsourcing regulations", Journal of Business Research, Vol. 97, 2019, pp. 235-256. https://doi.org/10.1016/j.jbusres.2018.06.006
- Gulamhuseinwala, I., Bull, T. C., and Lewis, S., "FinTech is Gaining Traction and Young, High-Income Users are the Early Adopters", The Journal of Financial Perspectives, Vol. 3, No. 3, 2015, pp. 16-23.
- Ha, D. V., "Fintech credit models and operations management", In Proceedings of the 10th NEU-KKU International conference: Socio-Economic and Environmental Issues in Development, Labor-Social Publishing House, Hanoi, Vietnam, 9-10 May, 2019.
- Hays, J., "Education in Vietnam", Facts and details, 2014, Available at http://factsanddetails.com/southeast-asia/Vietnam/sub5_9f/entry-3457.html (Accessed 3 Aug. 2020).
- Herzberg, A., "Payments and banking with mobile personal devices", Communications of the ACM, Vol. 46, No. 5, 2003, pp. 72-88. https://doi.org/10.1145/769800.769801
- Houstoun, K., Milne, A., and Parboteeah, P., "Preliminary report on standards in global financial markets", Swift Institute, 2015, Available at http://www.swiftinstitute.org/wp-content/uploads/2015/05/Report1-11th-May-2015.pdf (Accessed 3 Aug. 2020).
- Hu, Z., Ding, S., Li, S., Chen, L., and Yang, S., "Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model", Symmetry, Vol. 11, No. 3, 2019, p. 340. https://doi.org/10.3390/sym11030340
- Ilinitchi, C. P., "Fintech revolution in transition countries-remittances and mobile money", Transition Studies Review, Vol. 27, No. 1, 2020, pp. 103-122.
- Jonker, N., "What drives the adoption of crypto-payments by online retailers?", Electronic Commerce Research and Application, 2019, Available at https://doi.org/10.1016/j.elerap.2019.100848 (Accessed 11 Apr. 2019).
- Jonsdottir, F., Toivonen, O., Jaatinen, V., Utti, A., and Lindqvist, R., "FinTech in the Nordics: A Deloitte review", Deloitte, 2017, Available at https://www2. deloitte.com/content/dam/Deloitte/se/Documents/financial-services/FinTech_Publikation_A4_WEB_FINAL.PDF (Accessed 4 Aug. 2020).
- Joo, J. H., "Understanding Acceptance of Fintech Service in Korea: Focused on Decomposed TPB into TAM", Journal of Digital Convergence, Vol. 15, No. 4, 2016, pp. 171-179. https://doi.org/10.14400/JDC.2017.15.4.171
- Kemunto, E. R. and Kagiri, A., "Effect of implementation of Fintech strategies on Competitiveness in the banking sector in Kenya: A case of KCB Bank Kenya", European Journal of Business and Strategic Management, Vol. 3, No. 3, 2018, pp. 29-44.
- Kim, Y., Park, Y. J., Choi, J., and Yeon, J., "An Empirical Study on the Adoption of 'Fintech' Service: Focused on Mobile Payment Services", Advanced Science and Technology Letters, Vol. 114, 2015, pp. 136-140.
- KPMG and H2 Ventures 2019, "Fintech 100 Leading Global Fintech Innovators", H2, 2019, Available at https://h2.vc/f100/#page_holder (Accessed 2 Aug. 2020).
- Kuo-Chuen, D. L. and Teo, E. G., "Emergence of FinTech and the LASIC principles", Journal of Financial Perspectives, Vol. 3, No. 3, 2015, pp. 24-36.
- Law on Enterprise, THƯ VIEN PHAP LUAT, 2014, Available at https://thuvienphapluat.vn/van-ban/doanh-nghiep/Luat-Doanh-nghiep-2014-259730.aspx?fbclid=IwAR1j4f_Z7CjrWgS_vE4rkFNJZ97cNm7mlSIYwfxqEE__KURIwjLb3PFf5s4 (Accessed 30 Sept. 2020).
- Lee, H., Harindranath, G., Oh, S., and Kim, D., "Provision of mobile banking services from an actor-network perspective: Implications for convergence and standardization", Technological Forecasting and Social Change, Vol. 90, No. B, 2015, pp. 551-561. https://doi.org/10.1016/j.techfore.2014.02.007
- Lee, I. and Shin, Y. J., "Fintech: Ecosystem, business models, investment decisions, and challenges", Business Horizons, Vol. 61, No. 1, 2018, pp. 35-46. https://doi.org/10.1016/j.bushor.2017.09.003
- Lee, J., Ryu, M. H., and Lee, D., "A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service", Journal of Retailing and Consumer Services, Vol. 48, 2019, pp. 7-15. https://doi.org/10.1016/j.jretconser.2019.01.007
- Liu, J., Li, X., and Wang, S., "What have we learnt from 10 years of fintech research? A scientometric analysis", Technological Forecasting and Social Change, 2020, Available at https://doi.org/10.1016/j.techfore.2020.120022 (Accessed 19. Mar. 2020).
- Martin, N., Matt, C., Niebel, C., and Blind, K., "How Data Protection Regulation Affects Startup Innovation", Information Systems Frontiers, Vol. 21, 2019, pp. 1307-1324. https://doi.org/10.1007/s10796-019-09974-2
- Milian, E. Z., Spinola, M. D., and Carvalho, M. M., "Fintechs: A literature review and research agenda", Electronic Commerce Research and Applications, 2019, Available at https://doi.org/10.1016/j.elerap.2019.100833 (Accessed 19 Mar. 2020).
- Mullan, J., Bradley, L., and Loane, S., "Bank adoption of mobile banking: stakeholder perspective", International Journal of Bank Marketing, Vol. 35, No. 7, 2017, pp. 1154-1174. https://doi.org/10.1108/IJBM-09-2015-0145
- Muthukannan, P. and Gozman, D., "Meeting the Challenge of Fintech Startups: The Development of Dynamic Capabilities at Incumbent Banks", In Proceedings of the International Conference on Information Systems (ICIS), Munich, Germany, 15-18. December, 2019.
- Navaretti, G. B., Calzolari, G., Mansilla-Fernandez, J. M., and Pozzolo, A. F., "FinTech and Banks: Friends or Foes?", (editorial), InEuropean Economy: Banks, Regulation, and the Real Sector, 2017, Available at http://european-economy.eu/wp-content/uploads/2018/01/EE_2.2017-2.pdf (Accessed 4 Aug. 2020).
- Ngoc, B., Nhi, P., and Cam, T., Toan canh phi dich vu mobile banking cua cac ngan hang hien nay, Cafef, 2019, Available at https://cafef.vn/so-sanh-phi-dich-vu-mobile-banking-cua-cac-ngan-hang-hiennay-20190816091637427.chn (Accessed 3 Aug. 2020).
- Nguyen Vu, Phat trien, Fintech: Chat hay luong? Thoi Bao Ngan Hang, 2020, Available at https://thoibaonganhang.vn/phat-trien-fintech-chat-hay-luong-100266.html (Accessed 2 Aug. 2020).
- Phan, D. H. B., Narayan, P. K., Rahman, R. E., and Hutabarat A. R., "Do financial technology firms influence bank performance?", Pacific-Basin Finance Journal, Vol. 62, 2019, pp. 1-13.
- Phan, D., 72% cong ty Fintech muon hop tac, nhung van co 14% muon canh tranhvoi ngan hang, VietnamFinance, 2018, Available at http://vietnamfinance.vn/72-cong-ty-fintech-muon-hop-tac-nhungvan-co-14-muon-canh-tranh-voi-nganhang-20180504224208071.html (Accessed 3 Aug. 2020).
- Puschmann, T., "Fintech", Business and Information System Engineering, Vol. 59, 2017, pp. 69-76. https://doi.org/10.1007/s12599-017-0464-6
- Rau, P. R., "Law, Trust, and the Development of Crowdfunding", Entrepreneurship & Finance e-Journal, 2020, Available at http://dx.doi.org/10.2139/ssrn.2989056 (Accessed 20 Jul. 2020).
- Rogers, E. M., The Diffusion of Innovation, fifth ed., Free Press, New York, USA, 2003.
- Ryu, H., "What makes users willing or hesitant to use Fintech?: The moderating effect of user type", Industrial Management and Data Systems, Vol. 118, No. 3, 2018, pp. 541-569. https://doi.org/10.1108/IMDS-07-2017-0325
- Scornavacca, E. and Barnes, S. J., "Mbanking services in Japan: a strategic perspective", International Journal of Mobile Communications, Vol. 2, No. 1, 2004, pp. 51-66. https://doi.org/10.1504/IJMC.2004.004487
- Shim, Y. and Shin, D. H., "Analyzing China's Fintech Industry from the Perspective of Actor-Network Theory", Telecommunications Policy, Vol. 40, No. 2-3, 2016, pp. 168-181. https://doi.org/10.1016/j.telpol.2015.11.005
- Solidiance, "Unlocking Vietnam's Fintech Growth Potential", Solidiance, 2018, Available at https://www.solidiance.com/insights/others/white-papers/unlocking-vietnams-fintech-growth-potential?utm_source=whitepaperlandingpage&utm_medium=infographicpage&utm_campaign=WP_Vietnam_fintech (Accessed 3 Aug. 2020).
- Statista, Urban population in Vietnam from 2005 to 2019, Statista, 2020, Available at https://www.statista.com/statistics/603397/vietnam-urban-population/ (Accessed 3 Aug. 2020).
- Straub, E., "Understanding Technology Adoption: Theory and Future Directions for Informal Learning", Review of Educational Research, Vol. 79, 2009, pp. 625-649. https://doi.org/10.3102/0034654308325896
- Thang Chi 5/25 cong ty fintech song douc bang giao dịch cua minh, Zing News, 2017, Available at https://news.zing.vn/thanhtoan-di-dong-se-bung-no-nhu-internet-cach-day-10-nam-post793532.html (Accessed 3 Aug. 2020).
- Treleaven, P., "Financial Regulation of Fintech", Journal of Financial Perspectives, Vol. 3, No. 3, 2015, pp. 1-17.
- UNESCO, Viet Nam, UNESCO, 2019, Available at http://uis.unesco.org/en/country/vn (Accessed 3 Aug. 2020).
- United Overseas Bank (UOB), PwC, and the Singapore Fintech Association (SFA), Fintech in ASEAN: From Start-up to Scale-up, United Overseas Bank (UOB), PwC, and the Singapore Fintech Association (SFA), 2019, Available at https://forms.uob.com.sg/contact/techecosystem/fintech-in-asean-from-start-up-to-scaleup.html?&_ga=2.114564238.823354727.1596491301-1055189467.1596491301 (Accessed 3 Aug. 2020).
- Urbanet, Urbanisation in Vietnam-Infographics, Urbanet, 2019, Available at https://www.urbanet.info/vietnam-urban-development-infographics/ (Accessed 3 Aug. 2020).
- Vietnam News, Fintech firms need support from banks: SBV, Viet Nam News, 2018, Available at https://vietnamnews.vn/economy/448958/fintech-firms-needsupport-from-banks-sbv.html (Accessed 1 Oct. 2020).
- VNA, Remittances to Vietnam to further rise in 2019, Customs News, 2019, Available at https://customsnews.vn/remit tances-to-vietnam-to-further-rise-in-2 019-12924.html (Accessed 2 Aug. 2020).
- VNA, Vietnamese banks boost IT use, Customs News, 2018, Available at https://customsnews.vn/vietnamese-banks-boost-it-use-7450.html (Accessed 1 Oct. 2020).
- World Bank, The World Bank In Vietnam, World Bank, 2019, Available at https://www.worldbank.org/en/country/vietnam/overview#:-:text=In%202019%2C%20Vietnam's%20economy%20continued,growth%20rates%20in%20the%20region (Accessed 3 Aug. 2020).
- Wu, J. and Wang, S., "What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model", Information and Management, Vol. 42, 2005, pp. 719-729. https://doi.org/10.1016/j.im.2004.07.001
- Zalan, T. and Toufaily, E., "The Promise of Fintech in Emerging Markets: Not as Disruptive", Contemporary Economics, Vol. 11, No. 4, 2017, pp. 415-430.