Factors Affecting the Use of Bank Payment Cards In Ho Chi Minh City

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ACKNOWLEDGEMENT

I would like to take this chance for thanking my research facilitator, friends & family for support they provided & their belief in me as well as guidance they provided without which I would have never been able to do this research.

DECLARATION

I, (Your name), would like to declare that all contents included in this thesis/dissertation stand for my individual work without any aid, & this thesis/dissertation has not been submitted for any examination at academic as well as professional level previously. It is also representing my very own views & not essentially which are associated with university.

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Table of Contents

ACKNOWLEDGEMENTii

DECLARATIONiii

CHAPTER 01: INTRODUCTION1

Background of the Study1

Purpose of the Study1

Significance of the Study1

Research Questions2

CHAPTER 02: LITERATURE REVIEW3

Bank Payment Cards3

Types of Bank Payment Cards3

Key functions of the Issuers:4

Key Functions of the Acquirers4

Cardholder5

Role of Acquirer Bank5

International Authorities6

Usage of Bank Payment Cards In Ho Chi Minh City6

CHAPTER 03: METHODOLOGY8

Search Technique9

Literature Search9

Inclusion and exclusion criteria10

Ethical Consideration11

REFERENCES12

CHAPTER 01: INTRODUCTION

Background of the Study

In light of the information technology development in various fields and economic sectors, especially in the banking sector that is considered the heart of the economy, it is useful to analyze factors affecting the use of bank payment cards in Ho Chi Minh City. The electronic payment cards method includes different types of cards (debit cards, credit cards and ATM).



Purpose of the Study

The purpose of the study is to investigate the prospects of expanding the usage of credit cards as a main function of retail finance in the Vietnam banking industry and identified the factors affecting the use of bank payment cards in Ho Chi Minh City.

Significance of the Study

The main objective of the study is to analyze the factors affecting the use of bank payment cards in Ho Chi Minh City. This is important for policy makers to increase the liquidity in banks, ability of lending, levels of investment, levels of production and consumption, and finally GDP. The policy implications of the study for banking decision makers will extend the validity of the conventional wisdom which holds that the electronic payment cards always improve banking performance. The findings and results of the research will encourage banking policy makers to change their policy and seek the retail finance by highlighting the factors affecting the use of a bank payment cards in Ho Chi Minh City.

Research Questions

What are the factors affecting the use of bank payment cards in Ho Chi Minh City?

Has the application of credit cards affected the Ho Chi Minh City's banking performance?

Has the use of credit cards led to increase banking profitability?

Has the use of credit cards led to decrease banking credit risk?



CHAPTER 02: LITERATURE REVIEW

Bank Payment Cards

The payment card is a widely recognized banking instrument for meeting obligations, and it is accepted on the international and local levels, whether by individuals, merchants or banks as a cash alternative. The card is used to pay against commodities and services provided to the cardholders (Higgins, 1994, ...