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The purpose of this paper is to investigate the impact that several of these factors have on a consumer’s decision to hold a credit card, as well as those involved in determining the level of credit card limit.

Potential explanatory variables were identified in the literature, then used to build a binary logit model to test the impact of the card and consumer characteristics on credit card ownership. Data were collected via a structured interview of 409 consumers living in Hebei Province, China.

The results indicate that convenience in use, level of credit card interest rates, the application process, number of people in the household, a rewards programme, marital status, credit limit and age influence the likelihood of the respondent holding a credit card. Further, an anaylsis shows that the number of credit cards held, duration of holding a credit card, monthly credit card purchasing volume and having a degree at the tertiary level, are significantly and positively related to different levels of credit limit.

In summary, in order to attract more consumers to credit card use, the banks and credit card companies should consider making it more convenient for consumers to use their credit cards. Moreover, banks can increase their networking and degree of cooperation with merchants to increase the acceptance of payment by credit card. The most heavily used businesses such as supermarkets and smaller retailers, where consumers purchase goods frequently, would be good targets for banks’ attention. In addition, banks might also improve credit card reward programmes to make these more efficient and perhaps increase the size of the rewards customers can earn through card use.

The purpose of this paper is to identify factors affecting formal credit constraint status of rural farm households in Vietnam’s North Central Coast (NCC) region.

Using the direct elicitation method (DEM), the authors consider both internal and external credit rationing.

Empirical evidences confirm the importance of household head’s age, gender and education to household’s likelihood of being credit constrained. In addition, households who have advantages in farm land size, labour resources and non-farm income are less likely to be credit constrained. Poor households are observed to remain restricted by formal credit institutions. Results from the endogenous switching regression model suggest that credit constraints negatively impact household’s consumption per capita and informal credit can act as a substitute to mitigate the negative influence of formal credit constraints.

One limitation arises from the usage of the DEM to identify credit constrained households. The method cannot detect effective and ineffective constraints. Another limitation is the inability of cross-section data to capture long-term impacts of credit constraints on household welfare. Finally, causes of credit constraints from the lender’s view cannot be observed.

The results suggest that it is necessary to enhance the credit allocation regime to reduce the transaction cost and provide target households with sufficient credit. It should be emphasized that high transaction cost and the mismatch between credit demand and supply stemming from information asymmetry. The government can help formal financial institutions to reduce information cost by encouraging the active role of social organizations such as Women Unions, Youth Unions and Veteran Unions in bridging rural farm households with formal lenders.

There are limited studies focusing on determinants of credit constraints and their impacts on rural farm households. To the best of the knowledge, there is no study evaluating the impact of credit constraints on rural farm household welfare particularly in Vietnam. In addition, the studies related to credit constraints only considered full quantity rationing (households applied for the loan but were rejected), omitting the case of partly quantity rationing (loan obtained by the borrowers is less than their demand) and self-rationing.

Compliant mechanism has been receiving a great interest in precision engineering. However, analytical methods involving their behavior analysis is still a challenge because there are unclear kinematic behaviors. Especially, design optimization for compliant mechanisms becomes an important task when the problem is more and more complex. Therefore, the purpose of this study is to design a new hybrid computational method. The hybridized method is an integration of statistics, numerical method, computational intelligence and optimization.

A tensural bistable compliant mechanism is used to clarify the efficiency of the developed method. A pseudo model of the mechanism is designed and simulations are planned to retrieve the data sets. Main contributions of design variables are analyzed by analysis of variance to initialize several new populations. Next, objective functions are transformed into the desirability, which are inputs of the fuzzy inference system (FIS). The FIS modeling is aimed to initialize a single-combined objective function (SCOF). Subsequently, adaptive neuro-fuzzy inference system is developed to modeling a relation of the main geometrical parameters and the SCOF. Finally, the SCOF is maximized by lightning attachment procedure optimization algorithm to yield a global optimality.

The results prove that the present method is better than a combination of fuzzy logic and Taguchi. The present method is also superior to other algorithms by conducting non-parameter tests. The proposed computational method is a usefully systematic method that can be applied to compliant mechanisms with complex structures and multiple-constrained optimization problems.

The novelty of this work is to make a new approach by combining statistical techniques, numerical method, computational intelligence and metaheuristic algorithm. The feasibility of the method is capable of solving a multi-objective optimization problem for compliant mechanisms with nonlinear complexity.

This study aims to investigate the impact of employees’ engagement in government social media (GSM) on their cybersecurity compliance attitude, protection motivation and protective behavior, thereby contributing to effective cybersecurity practices at organizations.

A quantitative cross-sectional field survey was conducted to collect primary data in big cities and large provinces in Vietnam. The final data set of 323 responses was analyzed using the partial least squares-structural equation modeling approach to interpret the results and test research hypotheses.

Engagement in GSM positively influences employees’ cybersecurity compliance attitude (ATT). Perceived threat vulnerability and response efficacy also contribute to a positive compliance attitude, although self-efficacy has a negative impact. Moreover, the cybersecurity compliance ATT significantly explains the information protection motivation, which in turn influences employee protective behaviors. However, the relationship between compliance attitude and protective behaviors is weak, unlike previous studies that found a strong correlation.

Although recent studies have explored specific information security practices in corporate and home contexts, the influence of GSM on individuals’ cybersecurity behaviors has received limited attention because of its novelty. This study contributes to the existing body of knowledge by investigating the impact of GSM on cybersecurity behaviors. This study provides significant contributions to understanding social media’s effects of social media on individuals’ cultivation processes, by expanding upon the protective motivation theory and cultivation theory. The results lead to practical suggestions for organizational managers and policymakers so that they can enhance their understanding of the importance of cybersecurity, encourage the implementation of self-defense strategies and highlight the significance of threat and coping evaluations in influencing attitudes and motivations.

Cambodian and Laotian students (CLS) are among the largest groups of international students in intra-ASEAN student mobility as well as in Vietnamese higher education institutions (HEIs). However, little has been researched on the factors influencing CLS’s decision to choose Vietnam as destination country. The purpose of this study is to investigate why CLS decide to go overseas and choose Vietnam as their host country among other opportunities as well as their perceptions of the decision.

Using qualitative methods and employing purposive sampling, data were collected by semi-structured interviews from CLS studying in a HEI in the Mekong Delta of Vietnam. The data were analysed against the push–pull framework to understand factors influencing the participants’ decision.

The findings show that CLS in the study were “pushed” by the perceived higher value of a foreign qualification and family encouragements. In terms of pull factors, they were attracted to choose Vietnam as the host country most observably due to scholarship opportunities. However other pull factors were also significant, especially the lack of certain skills in home countries and its congruence with Vietnam’s competitive strength in offering courses for those skills. In retrospect, the participants expressed a sense of optimism, though there was also certain reservation.

The small sample restrict the generalisability of the findings.

As an exploratory study, the findings can lay the ground for largerscale studies investigating CLS mobility in Vietnam and be employed for inbound student mobility policymaking reference for HEIs in Vietnam as well as in other developing countries.

This study investigates why Cambodian and Laotian international students decide to go to Vietnam, a developing country in the lesser-known part of international student mobility landscape. This is a topic that remains under-researched in the Asia-bound student mobility literature. Insights from the study can not only contribute to the scholarly gap but also offer implications for HEIs in Vietnam and other Asian countries.

Data crawling in e-commerce for market research often come with the risk of poor authenticity due to modification attacks. The purpose of this paper is to propose a novel data authentication model for such systems.

The data modification problem requires careful examinations in which the data are re-collected to verify their reliability by overlapping the two datasets. This approach is to use different anomaly detection techniques to determine which data are potential for frauds and to be re-collected. The paper also proposes a data selection model using their weights of importance in addition to anomaly detection. The target is to significantly reduce the amount of data in need of verification, but still guarantee that they achieve their high authenticity. Empirical experiments are conducted with real-world datasets to evaluate the efficiency of the proposed scheme.

The authors examine several techniques for detecting anomalies in the data of users and products, which give the accuracy of 80 per cent approximately. The integration with the weight selection model is also proved to be able to detect more than 80 per cent of the existing fraudulent ones while being careful not to accidentally include ones which are not, especially when the proportion of frauds is high.

With the rapid development of e-commerce fields, fraud detection on their data, as well as in Web crawling systems is new and necessary for research. This paper contributes a novel approach in crawling systems data authentication problem which has not been studied much.

The performance measure approach (PMA) is widely adopted for reliability analysis and reliability-based design optimization because of its robustness and efficiency compared to reliability index approach. However, it has been reported that PMA involves repeat evaluations of probabilistic constraints therefore it is prohibitively expensive for many large-scale applications. In order to overcome these disadvantages, the purpose of this paper is to propose an efficient PMA-based reliability analysis technique using radial basis function (RBF).

The RBF is adopted to approximate the implicit limit state functions in combination with latin hypercube sampling (LHS) strategy. The advanced mean value method is applied to obtain the most probable point (MPP) with the prescribed target reliability and corresponding probabilistic performance measure to improve analysis accuracy. A sequential framework is proposed to relocate the sampling center to the obtained MPP and reconstruct RBF until a criteria is satisfied.

The method is shown to be better in the computation time to the PMA based on the actual model. The analysis results of probabilistic performance measure are accurately close to the reference solution. Five numerical examples are presented to demonstrate the effectiveness of the proposed method.

The main contribution of this paper is to propose a new reliability analysis technique using reconstructed RBF approximate model. The originalities of this paper may lie in: investigating the PMA using metamodel techniques, using RBF instead of the other types of metamodels to deal with the low efficiency problem.

This study, using stakeholder approach, aims to examine the impact of corporate governance and risk-taking on the performance of the top 100 nonfinancial listed firms in Vietnam from 2015 to 2019.

The theoretical and empirical studies are reviewed for rational hypotheses development. Firm performance is represented by return on assets, return on equity and Tobin’s Q.

Specifically, concentrated ownership structure, large workforce, being a great workplace, quick sales growth, high receivables turnover, being funded by both the state and foreigners and high-risk exposure positively affect firm performance. However, a high level of state ownership or foreign ownership, more independent members on board, large board size and chief executive officer (CEO) duality show an inverse effect. Besides, an inverted U-shaped relationship with firm performance is recognized for liquidity ratios.

This study uses three triangles, including governance, risk, and performance. The paper offers some evidence-based recommendations to improve firm performance in Vietnamese businesses.

The purpose of this paper is to increase knowledge of the key drivers, and challenges, of the internationalization of Higher Education (HE), especially in the transitioning economy of Vietnam.

An exploratory qualitative research design used semi-structured interviews. Nine senior institutional leaders from five Vietnamese universities were interviewed. Thematic analysis, informed by the literature, was undertaken on English-translated transcripts.

The findings shared senior HE leader perspectives on how internationalization of HE in Vietnam was being conceptualized and operationalized, as well as insights as to how these processes might be improved. Further research to monitor the success of internationalization processes in Vietnam, and beyond, is recommended.

This was an exploratory qualitative study including nine interviews with senior HE leaders from Vietnamese Universities. Exploratory findings only are shared.

No previous studies exploring internationalization of HE in Vietnam have been located. Vietnam is a nation in economic transition from a state-based to market-driven economy, and is different culturally, economically and socially, to its Asian neighbors. Internationalizing HE is considered essential to the global integration and development of Vietnam.

The purpose of this paper is to review both international and domestic (i.e. Vietnamese language) journal articles and graduate theses and dissertations on educational leadership in Vietnam. The review addresses two specific goals: first, to describe and critically assess the nature of the formal knowledge base on principal leadership in Vietnam, second, to synthesize findings from the existing literature on principal leadership in Vietnam.

The paper employed a method for conducting systematic reviews of research. The authors conducted a detailed, exhaustive search for international and “local” papers from Vietnam, yielding 120 research sources. Information from these papers was extracted and evaluated prior to analysis. Data analysis included both quantitative description of the “review database” as well as critical synthesis of substantive findings.

The review supports and extends an earlier review which found that the practice of educational leadership in Vietnam remains largely “invisible” to the international community of scholars. The review also yielded a highly critical assessment of research perspectives and methods used in the “local” Vietnamese studies which comprised the bulk of the authors’ database. Synthesis of substantive findings highlighted the manner by which organizational, political, and socio-cultural forces in the Vietnamese context shapes the practice of school leadership.

First, qualitative studies are recommended that seek to describe, in-depth, the enactment of leadership in the Vietnamese context. Second, broad-scale surveys of characteristics, attitudes, and beliefs of school leaders across Vietnam are warranted. Third, the authors encourage graduate students and scholars studying school leadership in Vietnam to undertake a new generation of theory-informed studies that connect with the global literature.

Due to the relatively weak nature of the existing knowledge base, the authors were unable to identify specific implications for leadership practice. However, practical implications are identified for developing the research capacity needed to improve research quality in Vietnam’s universities.

This review is the first systematic review of educational leadership and management conducted of the Vietnamese literature. Moreover, the authors suggest that the review is original in its comprehensive coverage of both the local and international literature on educational leadership in Vietnam.