Purpose The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam. Design/methodology/approach The data were collected from 485 bank customers through a nationwide online survey. An exploratory and confirmatory factor analyzes were performed to validate the factor structure of the measurement items while structural equation modeling was used to validate the proposed model and testing the hypotheses. Findings The results of structural equation modeling reveal that perceived risk, perceived usefulness, social influence and perceived ease of use were significant determinants of consumer intention to use a credit card. Of them, only perceived risk discouraged the intended use of a credit card, which was synthesized from psychological, financial, performance, privacy, time, social and security risk. Research limitations/implications This study measured the first-order risk dimensions based on the payment function of the credit card only; these measurements missed potential losses relevant to credit function of credit cards. Practical implications This study can be beneficial to banks enacting policies to attract more consumers and to help decide how to allocate resources to retain and expand their customer base. Originality/value The study adds value to the literature on consumer behavior by confirming the impact of second-order perceived risk on the intended use of credit cards, which most previous studies have not demonstrated. The research also provides an empirical evidence to the academic research platform on e-banking services in Vietnam, especially related to the credit card industry.

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This research aimed to investigate the chemical composition of seed oils extracted from three Vietnamese Dalbergia species (D. tonkinensis, D. mammosa, and D. entadoides). The fatty acid profiles and contents of tocopherols and sterols of the seed oils, and total phenolic compounds extracted from the fresh seeds were characterized using different methods. Among the examined samples, D. tonkinensis seed oils showed high contents of linoleic acid (64.7%), whereas in D. mammosa, oleic acid (51.2%) was predominant. In addition, α- and γ-tocopherol and β-sitosterol were major ingredients in the seed oils, whereas ferulic acid and rosmarinic acid are usually predominant in the seeds of these species. Regarding sterol composition, the D. entadoides seed oil figured for remarkably high content of Δ5,23-stigmastadienol (1735 mg/kg) and Δ7-stigmastenol (1298 mg/kg). In addition, extracts with methanol/water (80:20, v/v) of seeds displayed significant in vitro antioxidant activity which was determined by DPPH free radical scavenging assay.

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