Graduation thesis international business economics factors influencing consumers adoption intention of e wallet in vinh long province

FOREIGN TRADE UNIVERSITY HO CHI MINH CITY CAMPUS -*** GRADUATION THESIS Major: International Business Economics FACTORS INFLUENCING CONSUMERS' ADOPTION INTENTION OF E-WALLET IN VINH LONG PROVINCE Student: Tran Nguyen Lan Ngoc Student ID: 1701015545 Class: K56CLC4 Intake: 56 Supervisor: Dr Pham Hung Cuong Thesis ID: 343 Ho Chi Minh City, December 2020 FOREIGN TRADE UNIVERSITY HO CHI MINH CITY CAMPUS SOCIALIST REPUBLIC OF VIETNAM Independence - Freedom - Happiness Ho Chi Minh City, … /… / DISSERTATION REMARKS Student’s full name: Tran Nguyen Lan Ngoc Student code: 1701015545 Subject of the thesis: Factors influencing consumers' adoption intention of e-wallet in Vinh Long province Name of the supervisor: Dr Pham Hung Cuong Department: DETAILED REMARKS Student’s attitude and progress during the dissertation schedule: Responsiveness of scientific content to the research topic: Format of the dissertation: The supervisor proposes the score for student’s attitude and progress during the dissertation schedule: ./1 Supervisor (Signature with full name) STATEMENT OF AUTHORSHIP Except where reference is made in the text of the thesis, this thesis contains no material published elsewhere or extracted in whole or in part from a thesis by which I have qualified for or been awarded another degree or diploma No other person’s work has been used without due acknowledgements in the thesis This thesis has not been submitted for the award of any degree or diploma in any other tertiary institution Ho Chi Minh City, December 2020 Tran Nguyen Lan Ngoc ACKNOWLEDGEMENT First of all, the author would like to express her deep gratitude toward lecturers of Foreign Trade University, Ho Chi Minh Campus for providing her with a lot of necessary knowledge in e-commerce, especially in e-wallet so that the author can have a solid base to fulfill her graduation thesis Besides, the author also sends her sincerest thanks to Dr Pham Hung Cuong who has supported her with many useful recommendations and clear guidance during the time the author does the thesis Without his dedicated and enthusiastic instructions, this thesis could not be accomplished Moreover, the author highly appreciates all respondents who were willing to spend their valuable time and efforts in completing the survey Thanks to their answers, the author could measure factors influencing the intention to adopt e-wallet and make some assessments toward this topic Finally, even though the author has received many helpful supports and tried her best to carry out this research, the thesis would still have some shortcomings due to her lack of knowledge and experience Thus, the author would highly value all contributive comments for the future development of the research C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an TABLE OF CONTENTS CHAPTER 1: INTRODUCTION 1.1 Research rationale 1.2 Research background 1.2.1 International research 1.2.2 Domestic research 1.3 Research aims and objectives 1.3.1 Research aims 1.3.2 Research objectives 1.4 Research object and scope 1.4.1 Research object 1.4.2 Research scope 1.5 Research questions 1.6 Research methods 1.7 Contribution and significance of the research 1.7.1 Contribution of the research 1.7.2 Significance of the research 1.8 Thesis structure CHAPTER 2: LITERATURE REVIEW AND RESEARCH MODEL 2.1 Overview of e-wallet 2.1.1 Definition of e-wallet 2.1.2 Functions of e-wallet 2.1.3 E-wallets in Vietnam 10 2.2 Definition of adoption intention 12 2.3 Theoretical models in determining the intention to adopt new technology 12 Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 2.3.1 Theory of Reasoned Action (TRA) 12 2.3.2 Social Cognitive Theory (SCT) 13 2.3.3 Technology Acceptance Model (TAM) 14 2.3.4 Unified Theory of Acceptance and Use of Technology (UTAUT) 16 2.4 Previous empirical researches on factors influencing intention to adopt ewallet 20 2.5 Proposed research model and research hypotheses 25 2.5.1 Proposed research model 25 2.5.2 Research hypotheses 26 CHAPTER 3: METHODOLOGY 30 3.1 Research procedure 30 3.2 Preliminary research 31 3.2.1 Conducting short interviews 31 3.2.2 Pilot survey 32 3.2.3 Official measurement scale building 33 3.2.4 Official questionnaire 39 3.3 Official research 40 3.3.1 Method of data collection and sampling 40 3.3.2 Methods of data analysis 40 CHAPTER 4: RESEARCH RESULTS 45 4.1 Descriptive statistics analysis 45 4.1.1 Descriptive statistics for e-wallet adoption behaviors 45 4.1.2 Descriptive statistics of demographic variables 47 4.1.3 Descriptive statistics of independent variables 49 4.1.4 Descriptive statistics of dependent variables 50 4.2 Cronbach Alpha’s coefficient analysis 50 Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 90 90 State Bank of Vietnam, 2020 Danh sach cac to chuc khong phai ngan hang duoc NHNN cap giay phep hoat dong cung ung dich vu trung gian toan [online] Available at: [Accessed 7th October 2020] 91 Thai Thu, 2020 Nguoi Viet dang su dung vi dien tu sao? Bao Dong Nai, [online] Available at: [Accessed 7th October 2020] 92 Visa, 2020 Khao sat cua Visa cho thay ti le su dung tien mat tai Viet Nam giam nguoi tieu dung doan nhan nhung phuong thuc toan moi [online] Available at: https://www.visa.com.vn/vi_VN/about-visa/newsroom/press-releases/nr-vn200522.html [Accessed 7th October 2020] Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 91 APPENDIX Appendix 1: Survey on factors influencing consumers’ intention to adopt ewallet in Vinh Long province Dear Sir/Madam, My name is Tran Nguyen Lan Ngoc I am a senior student at Foreign Trade University in Ho Chi Minh City Currently, I am doing my graduation thesis entitled “Factors influencing consumers' adoption intention of e-wallet in Vinh Long province” The aim of this research is to determine factors influencing your intention to adopt e-wallet as well as their impact on adoption intention I would highly appreciate it if you could spend your valuable time in fulfilling this questionnaire All your responses are extremely meaningful and useful to the success of this research I guarantee that your personal information and responses are handled confidentially and used only for the aim of this research Thank you so much! Definition of e-wallet E-wallet is currently one of the most popular non-cash payment methods Consumers can make online payment for utility bills, purchasing on Tiki, Lazada, Shopee, or make offline payment at any stores that accept e-wallet payment People prefer ewallet because it is convenient, time-saving and has a lot of promotional benefits Some popular e-wallets are Momo, ZaloPay, Moca, AirPay, VNPay, etc PART I: FILTER QUESTIONS Please mark a tick () to indicate the most suitable answers for the following questions Do you work or live in Vinh Long province?  Yes (please continue the survey)  No (please stop the survey) Have you ever heard about e-wallet?  Yes (please continue the survey)  No (please stop the survey) Have you ever adopted any e-wallet?  Yes (please continue the survey) Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn  No (please stop the survey) C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 92 PART II: E-WALLET ADOPTION BEHAVIORS QUESTIONS Please mark a tick () to indicate the most suitable answers for the following questions How long have you been adopting e-wallet?  For months  For year  For months  More than year Which of e-wallets have you ever adopted? (More than answer is acceptable)  Momo  Moca  ZaloPay  Payoo  AirPay  VNPay  VNPT Pay  Nganluong  Viettelpay  Baokim  Others (please note down) What are the purposes in adopting e-wallet? (More than answer is acceptable)  Transfer money  Make payment for many utility services (electricity, water, pay TV, Internet, telephone, mobile phone, etc.)  Make payment for online purchasing (on Tiki, Lazada, Shopee, etc.)  Purchase tickets (movie, train, plane tickets, etc.)  Make online order (food, beverage, etc.)  Make a reservation (hotel, restaurant, etc.)  Top up your accounts (telephone, Grab, etc.)  Make payment for offline purchasing (at any stores that accept e-wallet payment)  Receive promotional benefits (discount, refund, voucher, etc.)  Others (please note down) Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 93 PART III: MEASUREMENT QUESTIONS ON FACTORS INFLUENCING THE CONSUMERS’ INTENTION TO ADOPT E-WALLET IN VINH LONG PROVINCE Please mark only one tick () to indicate the extent to which you agree or disagree with each following statement Note: (1) = Strongly disagree; (4) = Agree; (2) = Disagree; (5) = Strongly agree (3) = Neither agree nor disagree; No Statements Answer Performance Expectancy 1 5 Using e-wallet would increase the efficiency of my payment process (faster, easier and more convenient payment) Using e-wallet payments would allow me to track the payment process more accurately Using e-wallet would allow me to obtain benefits beyond the payment (vouchers, discounts, refunds) Overall, I believe that e-wallet is useful when making payment for products/services Effort Expectancy Learning how to use e-wallet is easy for me My interaction with e-wallet would be clear and understandable I find e-wallet easy to use It is easy for me to become skillful at using e-wallet Social Influence People who are important to me (relatives, friends, colleagues) think that I should use e-wallet Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 94 10 People who influence my behavior (relatives, friends, colleagues) think that I should use e-wallet 11 People whose opinions that I value (superiors, professors) prefer that I use e-wallet Facilitating Condition 12 5 I have the resources necessary to use e wallet (for example: smartphone, tablet) 13 I have the knowledge necessary to use e-wallet 14 E-wallet is compatible with other technologies I use 15 I can get help from others when I have difficulties using e-wallet Trust 16 I believe e-wallet service providers keep their promise 17 I believe e-wallet service providers keep customers' interests in mind 18 I believe e-wallet service providers are trustworthy 19 I believe e-wallet service providers will everything to secure the transactions for users Perceived Risk 20 The probability that something will go wrong with the performance of e-wallet is high 21 E-wallet might not perform well and create problems with my payment process during purchasing 22 The chances of using the e-wallet and losing control over my personal information privacy is high Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 95 23 My signing up and using e-wallet would lead me to a loss of privacy because my personal information would be used without my knowledge Self-efficacy 24 5 I have confidence to use e-wallet even if there is no one around to show me how to it 25 I easily understand how e-wallet works 26 I feel comfortable using e-wallet on my own Adoption Intention 27 I intend to continue using e-wallet in the future 28 I will always try to use e-wallet in my daily life 29 I plan to continue to use e-wallet frequently PART IV: PERSONAL INFORMATION Your gender is:  Male  Female Your age is:  Below 18 years old  31 – 45 years old  18 - 23 years old  Above 45 years old  24 - 30 years old Your level of education is:  High school  Undergraduate  College  Post graduate Your occupation is:  Student  Office worker/ Technical worker  Unskilled labor/ Homemaker  Manager Your income per month is:  Below million VND  10 – 20 million VND  – 10 million VND  Above 20 million VND Thank you so much for taking your time to complete this survey Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 96 Appendix 2: Descriptive statistics for demographic variables Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 97 Appendix 3: Descriptive statistics for dependent and independent variables Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 98 Appendix 4: Exploratory Factor Analysis for independent variables Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 99 Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 100 Appendix 5: Exploratory Factor Analysis for dependent variables Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 101 Appendix 6: Multiple regression outcomes Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 102 Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an 103 Appendix 7: Independent T-test and ANOVA Independent T-test for Gender ANOVA for Age Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn C.vT.Bg.Jy.Lj.Tai lieu Luan vT.Bg.Jy.Lj van Luan an.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj Do an.Tai lieu Luan van Luan an Do an.Tai lieu Luan van Luan an Do an Stt.010.Mssv.BKD002ac.email.ninhd.vT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.LjvT.Bg.Jy.Lj.dtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn.Stt.010.Mssv.BKD002ac.email.ninhddtt@edu.gmail.com.vn.bkc19134.hmu.edu.vn