Mặc dù tác giả đã rất cố gắng để hoàn thiện luận văn trong giới hạn về thời gian cũng như nguồn lực nghiên cứu; tuy nhiên, bài nghiên cứu cũng khó tránh khỏi những mặt hạn chế và thiếu sót. Sau đây là hạn chế trong nghiên cứu có thể được hoàn thiện trong các nghiên cứu tiếp theo.
Cụ thể, bài nghiên cứu hiện chỉ tập trung vào Ngân hàng TMCP Ngoại thương Việt nam. Mặc dù Ngân hàng TMCP Ngoại thương cũng là một trong các ngân hàng lớn trong hệ thống các ngân hàng thương mại tại Việt Nam những kết quả nghiên cứu vẫn chưa đủ mạnh để kết luận cho toàn bộ các ngân hàng thương mại tại Việt Nam do các đặc thù riêng của mỗi ngân hàng.
Chính vì vậy, bài nghiên cứu có thể được mở rộng bằng việc thực hiện khảo sát cho tất cả các ngân hàng trong hệ thống các ngân hàng thương mại tại Việt Nam để đánh giá tổng quát nhất về các yếu tố tác động đến năng lực cạnh tranh bán lẻ nói chung của các ngân hàng thương mại tại Việt Nam.
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PHỤ LỤC Kết quả phân tích nhân tố EFA tổng
Pattern Matrixa Component 1 2 3 4 5 6 7 8 9 10 GEC05 .942 GEC02 .904