Since the 1990s, digital banking in Vietnam has grown rapidly due to widespread smartphones use and internet connectivity, offering convenience and efficiency. However, cash usage and preference for traditional banking persist as barriers. This study examines key determinants influencing customers’ intentions to adopt digital banking services in seven Vietnamese commercial banks to enhance digital transformation strategies. Primary data were gathered using a standardized questionnaire from 322 customers across seven commercial banks in Vietnam, analyzed using linear regression. The findings indicate that perceived trust, usefulness, ease of use, and convenience significantly encourage customers’ intentions to adopt digital banking services, with trust exerting the most substantial influence. Conversely, perceived risk negatively affects adoption intentions and other related factors. Although internal validity is supported by rigorous statistical analysis, the external validity is constrained by the non-probability sampling method, meaning findings are indicative for similar large commercial banks rather than the Vietnamese banking system overall. Despite these limitations, this study provides valuable and insightful contributions, enabling these major banks to refine their digital transformation strategies, enhance customer experiences, and respond more effectively to diverse customer needs in the rapidly evolving digital banking landscape.