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Developing credit card market from Vietnamese consumers’ perspective

Author

Listed:
  • Vuong Duc Hoang Quan

    (Ho Chi Minh City Institute for Development Studies, Vietnam)

  • Trinh Hoang Nam

    (Banking University Ho Chi Minh City, Vietnam)

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.

Suggested Citation

  • Vuong Duc Hoang Quan & Trinh Hoang Nam, 2017. "Developing credit card market from Vietnamese consumers’ perspective," HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE - ECONOMICS AND BUSINESS ADMINISTRATION, HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE, HO CHI MINH CITY OPEN UNIVERSITY, vol. 7(1), pages 61-74.
    • Handle: 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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