VUONG DUC HOANG QUAN
TRINH HOANG NAM
|DEVELOPING CREDIT CARD MARKET FROM VIETNAMESE CONSUMERS’ PERSPECTIVE||Views: 443||Download|
This study aims to identify the factors affecting the intention to use credit cards in Vietnam. Previous empirical studies on planned and actual behaviors showed that customers decide to own and use credit cards through their awareness of credit card, including perceived usefulness, perceived behavioral control and subjective norm. To collect the data, we use structured self-administered questionnaires from 426 respondents making payments through bank accounts. The findings shows that perceived usefulness, perceived behavioral control and subjective norm have positive impact on credit card’s adoption among Vietnamese consumers. This study also supposes that customers from different demographics have different intention to use credit cards. Some recommendations are made to improve the effects of banks’ policies on credit card application and use.