Tóm tắt: Mục tiêu của bài viết này là tìm bằng chứng về sự khó khăn khi sử dụng dịch vụ ngân hàng số (NHS) liên quan đến thế hệ những người sinh ra trong giai đoạn 1965-1979 và nữ giới. Nghiên cứu sử dụng mô hình hồi quy tuyến tính Bayes thông qua thuật toán lấy mẫu Random-Walk Metropolis Hasting (MH). Số liệu được thu thập từ bộ dữ liệu Global Findex và Chỉ báo Phát triển Thế giới (World Development Indicators) của 183 quốc gia vào năm 2014. Kết quả nghiên cứu cho thấy, thế hệ những người sinh ra trong giai đoạn 1965-1979 và nữ giới ít sử dụng các dịch vụ mới từ NHS.
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Abstract: The objective of the study is to find evidence of difficulties in using digital banking services related to the generation of people born in the period 1965-1979 and women. The study uses Bayesian linear regression model through the Random-Walk Metropolis Hastin (MH) sampling algorithm. Data is collected from the Global Findex and World Development Indicators datasets of 183 countries in 2014. The results show that the generation of people born in the period 1965-1979 and women are less likely to use new services from digital banking.