Developing credit card market from Vietnamese consumers’ perspective

Vuong Duc Hoang Quan () and Trinh Hoang Nam
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Vuong Duc Hoang Quan: Ho Chi Minh City Institute for Development Studies, Vietnam
Trinh Hoang Nam: Banking University Ho Chi Minh City, Vietnam

HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE - ECONOMICS AND BUSINESS ADMINISTRATION, 2017, vol. 7, issue 1, 61-74

Abstract: 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 cards, 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 show that perceived usefulness, perceived behavioral control and subjective norm have a positive impact on credit card adoption among Vietnamese consumers. This study also supposes that customers from different demographics have different intentions to use credit cards. Some recommendations are made to improve the effects of banks’ policies on credit card application and use.

Keywords: Credit card; intention to use; TPB; TAM; SEM; Vietnam. (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:bjw:econen:v:7:y:2017:i:1:p:61-74

DOI: 10.46223/HCMCOUJS.econ.en.7.1.197.2017

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