Green banking has become an important environmental sustainability strategy by reducing paper consumption, supporting low-carbon financial services, and encouraging environmentally responsible consumer behavior. However, the adoption of green banking remains limited in many emerging economies. This study investigates the determinants of green banking usage among young consumers by integrating the Technology Acceptance Model with environmental concern, social influence, and green trust. Survey data were collected from 360 young banking customers in Vietnam and analyzed using partial least squares structural equation modeling (PLS-SEM). The measurement model demonstrated satisfactory reliability and validity, with composite reliability ranging from 0.840 to 0.886 and average variance extracted between 0.568 and 0.660. The results indicate that perceived usefulness, environmental concern, social influence, and green trust positively influence green banking usage, while green trust partially mediates these relationships. Environmental concern emerged as the strongest predictor of green banking adoption. The findings demonstrate that environmental awareness and trust are essential for promoting sustainable financial practices. This study contributes to environmental sustainability research by explaining environmentally responsible banking behavior and provides practical implications for advancing sustainable finance and resource-efficient banking systems.
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