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All Journal Oikonomia Review: Journal of Economics, Management, and Accounting
Kanya Rattanapong Kanya Rattanapong
Maejo University

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Fintech Lending Readiness, Borrower Trust, and Credit Access among Vietnamese SMEs: The Mediating Role of Information Transparency Nguyễn Thị Minh Anh Nguyễn Thị Minh Anh; Trần Văn Nam Trần Văn Nam; Kanya Rattanapong Kanya Rattanapong
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 1 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Abstract

Fintech lending platforms have expanded rapidly across Southeast Asia, promising faster credit decisions and broader access for small and medium-sized enterprises (SMEs) that struggle with conventional collateral-based banking. Even so, many SMEs remain hesitant to rely on digital lenders, and platform usage frequently fails to translate into reliable credit access when borrowers cannot demonstrate credible information, predictable repayment capacity, or procedural transparency. This study examines how fintech lending readiness influences perceived credit access among Vietnamese SMEs through borrower trust and information transparency. Drawing on signaling theory, technology trust perspectives, and information asymmetry logic, the model treats readiness as an operational capability that combines digital preparedness, documentation discipline, and procedural familiarity. Survey data were collected from 418 Vietnamese SMEs across manufacturing, services, and agri-business sectors. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to test direct effects and parallel mediation. The results indicate that fintech lending readiness relates positively to perceived credit access, with borrower trust and information transparency operating as complementary mediators. The findings suggest that digital credit inclusion depends not only on platform availability but also on the borrower’s capacity to present verifiable information and to interpret lending processes confidently. Policy implications emphasize integrating SME digital bookkeeping support with platform governance standards that improve explainability, dispute handling, and fairness perceptions.
Mobile Banking Service Quality, Perceived Security, and Continued Usage Intention among Thai Consumers: The Moderating Role of Privacy Concern Somsak Kittisak Somsak Kittisak; Kanya Rattanapong Kanya Rattanapong; Sokha Chan Sokha Chan
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 1 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Abstract

Mobile banking has become a primary channel for everyday financial transactions in Southeast Asia, yet sustained usage is shaped not only by functional features but also by the credibility of service delivery and the perceived safety of digital interactions. This study examines how mobile banking service quality influences continued usage intention among Thai consumers through perceived security and trust, while assessing whether privacy concern weakens key relationships. Building on the DeLone and McLean Information Systems Success logic, technology trust theory, and perceived risk perspectives, the research conceptualizes service quality as a multidimensional construct comprising system quality, information quality, and responsiveness. Survey data were collected from 512 mobile banking users across four Thai provinces representing different levels of urban density. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to test direct effects, serial mediation, and moderation. The results indicate that service quality strengthens perceived security and trust, which in turn increase continued usage intention; privacy concern dampens the translation of perceived security into trust and reduces the strength of the trust–intention link. The findings extend digital finance research by clarifying why convenience-driven adoption does not guarantee retention, highlighting the importance of security perceptions and privacy-sensitive design. Policy implications emphasize transparent communication, incident-response readiness, and consumer literacy interventions that reduce privacy anxiety without normalizing risky behavior.
Co-Authors Nguyễn Thị Minh Anh Nguyễn Thị Minh Anh Sokha Chan Sokha Chan Somsak Kittisak Somsak Kittisak Trần Văn Nam Trần Văn Nam