Peer-to-peer lending is considered one of the most successful yet risky inventions of the Fintech wave in recent years. The trend of peer-to-peer lending service boom has an impressive impact on developing countries, including Vietnam -a country with nearly 60% of the working-age population, shopping and spending needs are skyrocketing in the last five years. Additional downfalls of recent peer-to-peer markets have brought up more concerns and arguments to the subject. Therefore, this research aims to investigate the approachability of peer-to-peer lending in transitional economies with the case of Vietnam. Primary data is based upon questionnaire surveys with a quantitative method to test data. The results show that the demography and finance factors do not have an impact or have a low impact on the accessibility of users to peer-topeer lending. In contrast, the social capital factor plays a leading role of indicating determinants of the accessibility of individuals users to peer-to-peer lending in the emerging market context. Based on these findings, recommendations were proposed to enhance the accessibility of individual users to peer-to-peer lending.

The paperaims at detecting factors affecting individual customers' online savings deposit behaviours at Vietnamese commercial banks based on theoretical frame works such as the Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Theory of Perceived Risk (TPR). The survey was sent to the respondents via Google Forms and direct questionnaire. Based on response of 430 valid questionnaires were included in the analysis. Data were analyzed according to the process from testing reliability scale to factor analysis, correlation analysis, and regression analysis. The results showed that Perceived usefulness is the most influencing factor, followed by Brand reputation and Financial benefits. In which, Perceived risk has a negative influence on transacting behaviours. Accordingly, recommendations were proposed to enhance online saving deposit of individual clients at banks

Vietnamese commercial banks are complying with Basel 2 regulations, particularly those pertaining to pillar 2. This article concentrates on moral hazard and the elements that influence bank employees' intentions to produce a moral hazard. We distributed a questionnaire to persons now employed in the banking industry, combining the Theory of Planned Behavior (TPB) was produced by Ajzen (1991) with the attribution theory was created by Weiner (1985). The structural equation modeling (SEM) results indicate that the decision manager and attitude toward the behavior have a detrimental effect. By contrast, positive affect is governed by subjective norms and perceived behavior. Additionally, the research discovers that moral hazard motivation (working motivation) has a detrimental effect on the decision manager and is influenced by distinctiveness and consensus. The research findings suggest that Vietnamese commercial banks should establish work standards for employees to strengthen the job's uniqueness and establish a business culture that discourages deviant behavior.