https://jst.bdu.edu.vn/index.php/jst/issue/feed Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương 2025-06-02T09:07:10+07:00 Binh Duong University bdujst@bdu.edu.vn Open Journal Systems <h2>Binh Duong University Journal of Science and Technology</h2> <p>Dear Colleagues,</p> <p>Binh Duong University Journal of Science and Technology (BDUJST) is a quarterly peer-reviewed research journal with the focus on publishing original theoretical and applied research papers with the latest developments and breakthroughs in a number of science and technology fields. The journal accepts papers written in Vietnamese, English, and Russian. The BDUJST welcomes article submissions from all science and technology research areas, including <strong>Physics, Chemistry, Biology, Mathematics, Statistics, Biodiversity, Science Technology, Engineering Science, Computer Science and Educational Science</strong>. Besides that, we also aim to explore papers with contributions to the sustainability of <strong>Business and Economics</strong>, etc. </p> <p>In order to expand both theoretical and practical understandings, the journal provides readers with a variety of open access stimulating and informative research papers contributed by a broad coalition of individuals and groups.</p> <p>We would be really glad and honored if you accept our invitation since your contributions to BDUJST will definitely help guarantee the quality of our journal and keep the journal prestigious and outstanding, and especially attract more researchers to submit their works to our journal.</p> <p>We are thankful for your consideration and cooperation.</p> <p>Best regards,</p> <p><strong>Chairman of the editorial board</strong></p> <p>Academician Sergey V. Ablameyko - Belarusian State University, Republic of Belarus</p> <p><strong>Editor-in-Chief</strong></p> <p>Assoc. Prof. Dr. Le Van Cuong - Binh Duong University, Vietnam</p> <p>Vice-Dir. Cao Viet Hung - Binh Duong University, Vietnam</p> https://jst.bdu.edu.vn/index.php/jst/article/view/280 Revisiting regimens from a philosophical perspective 2025-05-30T21:42:44+07:00 Phu Loc Nguyen nploc.dhct@gmail.com Ngoc Trung Dung Huynh nploc.dhct@gmail.com Loi Huynh nploc.dhct@gmail.com <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span>Many regimen trends that aim to protect and enhance health, improve the body, and control chronic diseases have been introduced and developed in Vietnam. Especially after the COVID-19 pandemic, people care more about their health, but the expansion of regimen trends started many discussions and misunderstandings. This article reanalyzed three classic books, “Dao De Jing”, “Nan Hua Jing,” and “Huang Di Nei Jing,” based on recent achievements in science and modern medicine to strengthen the basis of regimens based on the perspectives of Taoism and Traditional Medicine. The objectives are to determine the core values and notices in regimen practices. Within the example of Oshawa’s macrobiotics, the article aims to remind regimen practitioners not to follow them without comprehension and re-equalization.<span class="Apple-converted-space">&nbsp;</span></p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/281 The effectiveness of cooperative learning on writing skills for 9th graders at Binh Phu secondary school 2025-05-30T21:49:11+07:00 Thuy Hanh Thao Le thaolethuy@gmail.com <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span>This study examines the effectiveness of cooperative learning on the writing skills of ninth-grade students at Binh Phu Secondary School and investigates their attitudes and perceptions of cooperative learning. A case study research design was employed, integrating both quantitative and qualitative data collection methods. The research instruments included documents and interviews. The analysis in this study is based on the time series method proposed by Yin [1]. The findings revealed that cooperative learning significantly enhanced students' writing skills in terms of organization, content, and language use. The students' writing improvement was observed over a three-week period. In the individual error check, students identified a total of 102 errors. However, in the group error check, 331 errors were identified, and 290 out of 331 errors were successfully corrected. Additionally, students expressed positive personal views on cooperative learning with 93% of students supported cooperative learning and 7% of students found cooperative learning was ineffective.<span class="Apple-converted-space">&nbsp;</span></p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/282 The status of part-time employment among students at Binh Duong university – Ca Mau campus 2025-05-30T22:03:32+07:00 Thuy Ngan Nguyen 23210301019@student.bdu.edu.vn Xuan Nghi Nguyen 23210301019@student.bdu.edu.vn Van Manh Nguyen 23210301019@student.bdu.edu.vn <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span>This study analyzes the current situation of part-time employment among business administration students at Binh Duong University, Ca Mau Campus. The research identifies three primary reasons driving students to take part-time jobs: financial pressure, the desire to gain practical experience, and the aspiration for independence. However, it also highlights challenges faced by students in balancing work and studies, including negative impacts on academic performance, time pressure, and potential risks. Based on these findings, the research team proposes solutions to help students balance their studies and part-time employment. These solutions include setting clear goals, managing time effectively, and choosing suitable jobs.<span class="Apple-converted-space">&nbsp;</span></p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/288 Table of contents 2025-06-02T09:07:10+07:00 Duc Quy Vu vdquy@bdu.edu.vn <p>Table of contents&nbsp;</p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/283 Formulation and evaluation of skin cleansing gel containing Aloe vera gel 2025-05-30T22:21:56+07:00 Tien Them Nguyen huynhloi@bdu.edu.vn Thi Huyen Tran huynhloi@bdu.edu.vn Loi Huynh huynhloi@bdu.edu.vn <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span>The beneficial effects of <em>Aloe vera </em>have been reported, including wound and burn healing, immunomodulatory, anticancer, hypoglycemic, gastro-protective, anti-inflammatory and antifungal, properties. <em>Aloe vera </em>contains anthraquinones, saccharides, vitamins, amino acids; enzymes; inorganic compounds, and miscellaneous. The purpose of this study is to formulate the skin cleansing gel from <em>Aloe vera</em>. The results showed that formulation containing 90.09% (w/w) distilled water, 1.50% carbomer, 0.03% EDTA, 0.30% sodium benzoate, 1,00% <em>Aloe vera </em>gel, 1.50% sand, 0.10% allantoin, 1,00% niacinamide; 3,00% glycerin; 0.70% optiphen (phenoxyethanol, caprylyl glycol), 0.01% Citrus maxima oil, 0.10% PEG – 40, and 0.69% triethanolamin. The prepared gel was evaluated including loss on drying, organoleptic test, pH, viscosity, clean power test.<span class="Apple-converted-space">&nbsp;</span></p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/284 Formulation and evaluation of hard capsule containing extract of Calyx hibisci 2025-05-30T22:26:31+07:00 Thi Bich Ngoc Tran huynhloi@bdu.edu.vn Loi Huynh huynhloi@bdu.edu.vn <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span><em>Hibiscus sabdariffa </em>L. calyx is a medicinal herb with many pharmacological effects and is widely used for lowering uricemia. However, <em>H. sabdariffa </em>calyx is only commonly used in traditional formulations, and research on modern formulations from <em>H. sabdariffa </em>calyx is still very limited. The study aimed to formulate and evaluate the capsules containing the extract of <em>H. sabdariffa </em>calyx. <em>H. sabdariffa </em>calyx was extracted by using percolation. Extraction method was investigated by using distilled water and 96% ethanol. The hard capsule was formulated by using absorbent (aerosil/CaCO3), diluent (acivel PH 102), disintegrant (sodium croscarmellose), and glidant (talc) and wet granulation method. The amount of anthocyanin in capsule was determined by UV spectrometry. <em>H. sabdariffa </em>calyx was extracted using distilled water. The capsule contains <em>H.sabdariffa </em>calyx extract (63.29%), aerosil/CaCO3 (12.66%), avicel PH 102 (22.15%),sodium croscarmellose (1.27%) and talc (0.63%). The anthocyanin content in the capsulewas 0.714%. The capsule was successfully prepared and evaluated.</p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/285 Survey on morphological - anatomycal characteristics and antioxidant activity of Eclipta prostrata L. 2025-06-01T21:04:46+07:00 Van Hieu Vo lvut@bdu.edu.vn Van Ut Le lvut@bdu.edu.vn <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span><em>Eclipta prostrata </em>L. is a member of the Asteraceae plant family and inhabited in tropical or subtropical regions of the world. <em>E. prostrata </em>has liver-protective effects, anti-venom properties against snake venom, antioxidant properties, promotes hair growth, and aids in wound healing,... In this study, the morphology and anatomy of <em>E. prostrata </em>were studied. Beside that, the antioxidant activity of <em>E. prostrata </em>was investigated. <em>E. prostrata </em>was identified by comparing its morphological characteristics with botanical descriptions found in various documents and the Vietnamese pharmacopoeia V. Photograph and describe the morphological and anatomical characteristics. The microstructure of the stem and leaves was stained with alum carmine and iodine green dyes. Qualitative analysis of active compounds was performed using the Cuilei method. The 2,2-Diphenyl-1-picrylhydrazyl (DPPH) free radical scavenging activity was used to determine antioxidant potential. Morphology: herbs, circular cross section. Leaves opposite, simple. Anatomy: Young stems usually circular, collenchyma was present usually under the epidermis. The soft extract of <em>E. prostrata </em>contains active ingredients including saponins, flavonoids, coumarins, and tannins. The antioxidant activity of the <em>E. prostrata </em>extract was determined using the DPPH free radical scavenging method, showing good antioxidant activity with an IC50 value of 54.898 μg/ml. Thus, the morphological and anatomical characteristics of <em>E. prostrata</em>, as well as the antioxidant activity of its extract, were investigated.&nbsp;</p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/286 Research on using beta-lactam antibiotics in outpatients under 12 years old at Thoi Hoa General Clinic, Ben Cat City, Binh Duong Province in the first six months of 2024 2025-06-01T21:20:20+07:00 Thi Xuan Duong thtran@bdu.edu.vn Van Ut Le thtran@bdu.edu.vn Thi Ngoc Phuong Nguyen thtran@bdu.edu.vn Thi Ngoc Oanh Trieu thtran@bdu.edu.vn Huyen Tran Tran thtran@bdu.edu.vn <p>&nbsp;</p> <p><span class="Apple-converted-space">&nbsp;</span>Nowaday, antibiotic resistance has developed all over the world, particularly in developing nations such as Vietnam. Many bacterial strains are resistant to a wide range of antibiotics, including newer generations. The study aimed to research the use of beta lactam antibiotics at Thoi Hoa General Clinic, Ben Cat City, Binh Duong Province in the first six months of 2024, using a cross-sectional descriptive retrospective method on 400 outpatient prescriptions for beta lactam antibiotics treated at Thoi Hoa General Clinic departments in the first six months of 2024.The results showed that the rate of antibiotic use in outpatient treatment was 48.75%, with male cases accounting for the highest rate (55.7%). Patients treated with antibiotics were mainly in the age group over 60 years old (45.5%), the respiratory disease group had the highest rate of antibiotic use (43.6%), and the Otolaryngology department had the highest rate of antibiotic use (88.9%). Cephalosporin antibiotics were the most commonly prescribed (74.9%), and no prescriptions for three antibiotics were written together. Antibiotics were used appropriately 98% of the time, with only 2.0% of prescriptions lasting 10 days or longer.<span class="Apple-converted-space">&nbsp;</span></p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/287 Study on botanical characteristics and genetic traits of Cordia dichotoma in Vietnam 2025-06-02T08:37:59+07:00 Thi My Linh Nguyen lvhuan@bdu.edu.vn My Nhan Le lvhuan@bdu.edu.vn Van Huan Le lvhuan@bdu.edu.vn <p><span class="fontstyle0">The fragrant manjack, which is called “ Tâm mộc hai ngả” in Vietnamese, was<br>collected in Ca Mau Province for the study on botanical characteristics and genetic traits<br>by employing molecular marker technique, and the CD powder was studied for preliminary<br>phytochemical screening . Some outstanding particular macroscopic and specific<br>microscopic features were defined. Fresh leaves were used to analyze gene sequences based<br>on </span><span class="fontstyle2">mat</span><span class="fontstyle0">K regionm amplified by PCR. Sequences of DNA products were identified by<br>Sanger method and BioEdit 7.0.5 software, then compared to the control </span><span class="fontstyle2">matK </span><span class="fontstyle0">sequences<br>published in GenBank by BLAST. The taxonomical identification result showed that the<br>material plant was </span><span class="fontstyle2">Cordia dichotoma, </span><span class="fontstyle0">Boraginaceae.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/271 Factors influencing the decision to study a master's degree at Binh Duong University 2025-05-28T16:48:11+07:00 Hong Nhung Pham phnhung@bdu.edu.vn Thi Viet Huong Cao phnhung@bdu.edu.vn <p><span class="fontstyle0">The study was conducted to identify factors affecting the decision to study a master's<br>program at Binh Duong University, thereby providing management suggestions to improve the<br>quality of training, services and increase the decision to study a master's degree at the university.<br>The results showed that there are 6 factors affecting the decision to study a master's degree at<br>Binh Duong University with decreasing levels: (1) Subjective standards; (2) Training quality;<br>(3) Tuition and tuition policies; (4) Career opportunities; (5) Communication; (6) University<br>reputation.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/272 Factors Affecting the Competitiveness of Enterprises: A Case Study of Tourism Businesses in Binh Duong Province 2025-05-29T09:58:47+07:00 Thi Kim Mai Ngo ntylieu@bdu.edu.vn Thi Phuong Dung Ngo ntylieu@bdu.edu.vn Tran Quang Hung Pham ntylieu@bdu.edu.vn Thi Yen Lieu Nguyen ntylieu@bdu.edu.vn <p><span class="fontstyle0">This study focuses on identifying and analyzing the factors that influence the<br>competitiveness of businesses in the tourism sector in Binh Duong province. By using a linear<br>regression model and SPSS software, the research conducted a survey of 216 tourism businesses<br>in the province. The results show that the key factors affecting competitiveness include: service<br>quality, innovation strategy, information technology, human resources capacity, and business<br>environment, with service quality being the most significant factor. These findings provide a<br>basis for proposing implications to improve the competitiveness of tourism businesses in Binh<br>Duong, contributing to the sustainable development of the industry in the region.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/273 Factors affecting the level of integrated reporting disclosure of companies listed on the stock exchange in Vietnam 2025-05-29T10:42:11+07:00 Bao Quyen Le lbquyen@upt.edu.vn <p><span class="fontstyle0">The aim of this study is to identify the factors affecting the level of integrated<br>reporting disclosure of companies listed on the Stock Exchange in Vietnam. The study used an<br>unweighted disclosure index based on the content of the IIRC Framework with 200 listed firms<br>in Vietnam in 2020. Ordinary least square (OLS) regression model is used to determine the<br>factors affecting the level of integrated reporting disclosure of listed companies. The results<br>showed that, (1) Vietnamese listed firms disclose about 40% of the information required by the<br>IIRC Framework, and (2) The disclosure levels are positively associated with board<br>independence, audit quality, and firm size.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/274 Improve business ethics and social responsibility of enterprises in the local area Binh Duong province 2025-05-29T10:48:56+07:00 Thi Huong Bui bthuong@bdu.edu.vn <p><span class="fontstyle0">Business ethics and corporate social responsibility (CSR) are becoming crucial<br>factors in the sustainable development of enterprises in Bình Dương, one of the leading<br>industrial hubs in the country. Effectively implementing business ethics and CSR not only helps<br>businesses achieve stable growth but also enhances their reputation, creates competitive<br>advantages, and contributes positively to the community. This article analyzes the current<br>situation and challenges in improving business ethics and CSR in Binh Dương while proposing<br>specific solutions to encourage businesses to implement them more effectively.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/275 Financial resources support energy transition towards sustainable development in Vietnam 2025-05-29T15:49:38+07:00 Xuan Vinh Vo kimchi.ffb@gmail.com Kim Chi Nguyen kimchi.ffb@gmail.com Minh Ha Vu kimchi.ffb@gmail.com Huynh Nhu Le kimchi.ffb@gmail.com Thi Hoan Phan kimchi.ffb@gmail.com <p>This paper analyzes the critical role of financial resources in supporting the energy transition toward sustainable development in Vietnam. Amid global efforts to mitigate climate change, financial instruments such as green bonds and green credit have become pivotal in mobilizing capital for renewable energy projects. The study clarifies the role of Vietnam's financial system, from the activities of banks and financial institutions to international partnerships, in funding sustainable energy initiatives. Challenges such as limited financial tools, regulatory gaps, and the need for more comprehensive policies are also discussed. The paper proposes policy directions to enhance the capacity to attract and efficiently utilize financial resources, aligning with international standards and contributing to global climate goals.</p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/276 Sustainable tourism development: Mountainous area of Lam Dong province 2025-05-29T16:10:57+07:00 Thi Hien Do hiendo.financial@gmail.com Trinh Hong Phi Pham hiendo.financial@gmail.com <p><span class="fontstyle0">Promoting the development of sustainable tourism models in Lam Dong province is<br>an important factor in the development of mountainous tourism. In this article, we have<br>considered how to develop tourism based on the available resources of the mountainous region<br>of Lam Dong province: diversity in climate, flora and fauna, soil, and natural landscape. This<br>is the province's distinct strength, representing the common interests that must be maintained<br>and developed to exploit sustainable tourism. In addition, we have analyzed the relationship<br>between sustainable tourism models and natural resource management, applying new digital<br>technologies to bring tourism benefits. The study emphasizes that the connection between<br>public and private management models can ensure the growth and development of mountainous<br>tourism areas in Lam Dong province.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/277 Impact of interest rate on credit growth of commercial banks in Vietnam 2025-05-29T16:31:22+07:00 Cam Nhung Vu vucamnhung@iuh.edu.vn Thi Dieu My Phan vucamnhung@iuh.edu.vn Diep Thuy Lam Nguyen vucamnhung@iuh.edu.vn Ngoc Nhu Y Nguyen vucamnhung@iuh.edu.vn Ngoc Thien Quy Phan vucamnhung@iuh.edu.vn Nhi Nguyen vucamnhung@iuh.edu.vn <p><span class="fontstyle0">This article studies the influence of interest rate factors in particular and other<br>factors in general on credit growth of Commercial Banks in Vietnam. Data was analyzed<br>based on 20 commercial banks in the period 2014 - 2023, with information collected from<br>Ho Chi Minh City Stock Exchange (HOUSE), Hanoi Stock Exchange (HNX) along with<br>reports. Finance of 20 commercial banks operating during this period, data from the World<br>Bank and Vietnam General Statistics Office. The research method implemented is panel<br>data regression method including POLS, FEM, REM, FGLS. Research results show that 4<br>out of 10 independent variables have a major impact on credit growth, including: (1) Real<br>interest rate, (2) bad debt ratio, (3) deposit growth rate and (4) inflation rate. From these<br>findings, the study proposes some policy implications to promote credit growth in Vietnam.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/278 Removing barriers to developing green credit at Vietnamese commercial banks 2025-05-29T16:40:49+07:00 Thi Cuc Phan ntpdung@bdu.edu.vn Doan Trang Do ntpdung@bdu.edu.vn Thi Phuong Dung Ngo ntpdung@bdu.edu.vn <p><span class="fontstyle0">Green Credit is one of the tools; Green Finance has developed in many countries around<br>the world, since the early years of this decade of the 20th century, many studies on Green Credit<br>have appeared, of which the pioneering Green Credit researchers are typical. In Vietnam, on October<br>1, 2021, the Prime Minister issued Decision No. 1658/QD-TTg approving the national strategy on<br>green growth for the period 2021-2030, vision 2050 with the goal of green growth contributing to<br>promoting economic restructuring associated with growth model innovation, aiming to achieve<br>sustainable economic prosperity, environmental justice and society, towards a green, carbon-neutral<br>economy and contributing to the goal of limiting global temperature increase. The World Bank's<br>National Climate and Development Report for Vietnam estimates that Vietnam needs to invest an<br>additional 368 billion USD by 2040, equivalent to 6.8% of GDP/year to adapt to climate change and<br>Green growth - this is the biggest difficulty of Vietnam in terms of capital. The authors reviewed the<br>development of Green Credit in Vietnam in the period of 2020-2023 and focused on finding<br>bottlenecks and barriers to propose solutions to contribute to the development of Green Credit<br>towards implementing the Prime Minister's national strategy on green growth to 2030 and vision to<br>2050 with qualitative research methods and data collected by the authors of the article, analyzed and<br>synthesized from data of reputable commercial banking organizations that have been notified by the<br>State Bank of Vietnam. The authors delved into this article with the aim of contributing to removing<br>some barriers to Green Credit development, paving the way for the development of Green Credit in<br>Vietnam.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương https://jst.bdu.edu.vn/index.php/jst/article/view/279 Factors affecting the intention to use virtual assistants according to the complexity of financial services at Vietnamese commercial banks 2025-05-29T16:52:25+07:00 My Sang Tang sangtm@uef.edu.vn <p><span class="fontstyle0">This study aims to find out the intention of customers to use virtual assistant<br>services at Vietnamese commercial banks in Ho Chi Minh City. The data was surveyed<br>from 332 customers using the virtual assistant service and processed through two steps<br>using SmartPLS 4.0 software. The research results show that the intention to use virtual<br>assistants is influenced by trust, security in AI technology, AI awareness, comfort when<br>using AI technology, and the need for social presence. However, the complexity of the<br>intention to use financial services has been determined. For basic virtual assistant services,<br>factors that affect the intention to use the service include trust, security in technology, and<br>comfort when using AI technology have a positive impact on the intention to use. For<br>advanced virtual assistants, statistically significant factors include security in AI<br>technology, AI awareness, comfort in using AI technology, and the need for social<br>presence. From there, the administrative implication has been proposed to promote the<br>intention to use the bank's virtual assistant service.</span> </p> 2025-01-02T00:00:00+07:00 Copyright (c) 2025 Tạp chí Khoa học và kỹ thuật trường Đại học Bình Dương