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The purpose of this paper is to adopt the theory of planned behavior to close the entrepreneurial attitude–intention–behavior gap in the entrepreneurship field as well as test the key moderators of the entrepreneurial process, starting from entrepreneurial attitude and intention to behavior to engage in entrepreneurial activities – namely, entrepreneurship education.

The research used a sample of 2,566 students from 16 universities in Vietnam. First, Cronbach’s alpha and confirmatory factor analysis have been used to test the reliability and validity of scales. Then the coefficient paths in the conceptual framework were tested through structural equation modeling, and indirect associations were estimated via the PROCESS bootstrapping approach.

The research illustrated that both attitudes toward entrepreneurship and entrepreneurial intention serve as the central antecedents in the formation of entrepreneurial behavior. Also, when students are more entrepreneurially educated, the linkage between attitude toward entrepreneurship and entrepreneurial behavior was hypothesized to become stronger, yet the relation between entrepreneurial intention and behavior was weakened.

This research suggests useful recommendations for educators and policymakers to encourage university students’ favorable attitudes toward entrepreneurial activities, their intention to engage in them and their subsequent entrepreneurial behavior.

This research is expected to make a significant contribution to the entrepreneurship literature by closing the entrepreneurial attitude–intention–behavior gap as well as enriching our understanding of the influence of entrepreneurship education on the entrepreneurial process. Importantly, this research reveals that entrepreneurial education significantly moderates the effects of attitude toward entrepreneurship and entrepreneurial intention on entrepreneurial behavior.

This study aims to identify the key factors driving consumer adoption attention toward FinTech services in a bank-based financial system to lay a firm ground for further policy recommendations to promote the dual development of FinTech and the banking industry in Vietnam as well as other emerging economies similar banking system.

A technology acceptance model with a data set of 387 observations collected from a thorough research design is used and proceeded with probit regression.

The paper finds that existing bank users are holding a high intention to approach FinTech services regardless of involved costs and time, suggesting a traditional banking system to open up the collaboration channel with FinTech firms in prospective business areas. The findings also reveal an interestingly important position of consumers’ latent needs in inclining consumers to use FinTech services in Vietnam.

In this study, the variable measurement is not comprehensive as the authors use a single question for each variable. Second, most of the respondents reside in two big cities of the country, which are currently witnessing the rising presence of FinTech companies. So, if the future penetration of FinTech firms reaches out of these big cities, a better research sample with a diversified geographic trait should be considered.

This study’s findings draw out valuable recommendations to bankers and especially policymakers to stimulate the future penetration of FinTech firms along with assuring and strengthening the important position of the banking sector in the economy.

This paper’s novelty lies in several aspects. First, this study provides a broad view of the market potentials for FinTech firms from the demand side on a wide range of FinTech services rather than focusing only on payment services as presented in previous studies. Besides, the paper also discovers a new factor attributing to the adoption intention of the FinTech end-users, the users’ latent needs. Third, these empirical results carry a considerable contribution to the limited literature on this topic in Vietnam. And, most importantly, this study’s findings significantly prove the noticeable contribution of consumers’ preference to the indisputable development of FinTech. This afterwards helps to shape viable governmental regulations to facilitate effective market penetration strategies of FinTech in accordance with nurturing the future strategic development of a bank-based financial system under the emergence of FinTech. Of which, the authors call for clear and official moves of the governmental bodies in facilitating the collaboration between FinTech and the banking system coupled with enhancing measures of customer protection in the financial field in Vietnam. The findings and the regulatory implications for our country could be a vital source and replicated for other emerging economies’ cases with similar traits of the financial system.

Dehydrated bacterial cellulose’s (BC) intrinsic rigidity constrains applicability across textiles, leather, health care and other sectors. This study aims to yield a novel BC modification method using glycerol and succinic acid with catalyst and heat, applied via an industrially scalable padding method to tackle BC’s stiffness drawbacks and enhance BC properties.

Fabric-like BC is generated via mechanical dehydration and then finished by using padding method with glycerol, succinic acid, catalyst and heat. Comprehensive material characterizations, including international testing standards for stiffness, bending properties (cantilever method), tensile properties, moisture vapor transmission rate, moisture content and regain, washing, thermal gravimetric analysis, derivative thermogravimetry, Fourier-transform infrared spectroscopy and colorimetric measurement, are used.

The combination of BC/glycerol/succinic acid dramatically enhanced porous structure, elongation (27.40 ± 6.39%), flexibility (flexural rigidity of 21.46 ± 4.01 µN m; bending modulus of 97.45 ± 18.20 MPa) and moisture management (moisture vapor transmission rate of 961.07 ± 86.16 g/m²/24 h; moisture content of 27.43 ± 2.50%; and moisture regain of 37.94 ± 4.73%). This softening process modified the thermal stability of BC. Besides, this study alleviated the drawbacks for washing (five cycles) of BC and glycerol caused by the ineffective affinity between glycerol and cellulose by adding succinic acid with catalyst and heat.

The study yields an effective padding process for BC softening and a unique modified BC to contribute added value to textile and leather industries as a sustainable alternative to existing materials and a premise for future research on BC functionalization by using doable technologies in mass production as padding.