id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
easat-8097	Duong, Vinh Suong ; Nguyen, Thi Thuy Huong ; Phan, Anh ; Nguyen, Thi Thuy Ngan ; Dinh , Thi Linh 	Leveraging TPB to enhance credit card usage in Vietnam: Implications for financial literacy and banking innovation	2025	18	.pdf	application/pdf	9200	448	41	Accordingly, this study adopts the original TPB model to examine the determinants influencing credit card usage decisions among individual customers of Vietnamese commercial banks. Other variables—Attitude (TD), Subjective Norm (CCQ), and Perceived Cost (CP)—also show statistically significant but comparatively lower correlations with credit card usage decisions.	cache/easat-8097.pdf	txt/easat-8097.txt