... REVIEW OF LITERATURE AND STUDIES The chapter presents the discussion of the overview of Viet Nam economic development and the literature review of banking industry, the consumer behavior ... Consumer Behavior Consumer behavior is a complex process involving the activities people engage in when seeking for, choosing, buying, using, evaluating and disposing of products and services with ... State Bank, (ii) the Sate Bank of Viet Nam stopped giving licenses for banks to open new branches, (iii) the governor of the State Bank of Viet Nam warmed that strong actions should be taken with...