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Cash transaction is still dominant in Vietnam market. Even the advances of information technology have allowed banks and financial institutions introducing new and more efficient products and services but the rate of non cash transaction is modest. Vietnamese are still preferred cash payment. Basing survey data of consumer's perception toward card payment in HCM city, the aims of this study would shed some light on how individuals choosing payment by card and explain why cash transactions stilldoi:10.2139/ssrn.2364239 fatcat:doktp2xnhzennfyuspz527pvbq