Study ID REFRESH (101-107) Resp. No. (108-111)
Interviewer No. (115-118) Interview Length (119-120)
No. Of Queries (121-122) Reference No. (123-126)
SCREENING SECTION Q1 CITY
Record the city the respondent is interviewed. [SA]
Code (127)
Route
Hanoi ... 1 Da Nang ... 2 Hai Phong ... 3 Dong Nai ... 4 HCMC ... 5 Can Tho ... 6 Q2 GENDER
DO NOT ASK
FI to record the respondent's gender
Code (128)
Route
Female ... 1 Male ... 2 Q3 AGE EXACT
Could you please tell me your age?
(R1) Age ... (129-131) Q4 AGE BRACKET
FI: Please record the age bracket of respondent Record the age bracket the respondent belongs to.
[SA]
Code (132)
Route
Less than 18 years old ... 1 CLOSE 18 - 25 years old ... 2 26 - 35 years old ... 3 36 - 45 years old ... 4 46 - 50 years old ... 5 Above 50 years old ... 6 CLOSE Q5 BANNED JOBS
SHOWCARD
Do you or anyone in your family work for these types of businesses/
professions?
Code (133)
Route
Newspapers/ Radio/ TV Stations ... 3 CLOSE Banks/ Securities company/Finance companies/Accounting companies/
Auditing ...
4 CLOSE
Do not work in these field ... 5 Q6a MONTHLY HOUSEHOLD INCOME
SHOWCARD
Could you tell me your average approximate net HOUSEHOLD monthly income from all income sources after tax, based on following scale?
You don't have to be exact, just indicate the approximate amount based on this card [SA]
Q6b MONTHLY HOUSEHOLD EXPENDITURE SHOWCARD
Could you tell me how much your average monthly household expenditure is? By monthly household expenditure I mean the purchase in an average month of daily necessities excluding purchase of luxury goods.
You don't have to be exact, just indicate the approximate amount based on this card [SA]
Q6c MONTHLY PERSONAL INCOME SHOWCARD
Could you tell me your average approximate net PERSONAL monthly income after tax, (not including pocket money given from others to you such as pocket money from parents, relatives), based on the following scale.
You don't have to be exact, just indicate the approximate amount based on this card [SA]
Q6d MONTHLY PERSONAL EXPENDITURE SHOWCARD
Could you tell me your average monthly PERSONAL EXPENDITURE, that is money for spending on you self per month, be it for transport, sports, food & drink consumed out of the home, books,
entertainment, clothes, toiletries and other goods.
You don't have to be exact, just indicate the approximate amount based on this card [SA]
Q6a Q6b Q6c Q6d
Household Income
(SA)
Household Expenditur
e (SA)
Personal Income
(SA)
Personal Expenditur
e (SA)
(134) (136) (138) (140)
0- 1,499,999 ... 01 01 01 01 1,500,000- 2,999,999 ... 02 02 02 02 3,000,000- 4,499,999 ... 03 03 03 03 4,500,000- 7,499,999 ... 04 04 04 04 7,500,000- 14,999,999 ... 05 05 05 05
75,000,000- 149,999,999 ... 09 09 09 09 150,000,000 or higher ... 10 10 10 10 No income/ expenditure ... 11 11 11 11 DK/NA ... 12 12 12 12
Q7 HIB
INTERVIEWER: PLEASE MATCH MONTHLY HOUSEHOLD INCOME FROM Q6a TO THE APPROPRIATE HOUSEHOLD INCOME BAND. [SA]
Code (142)
Route
Class A5 (150,000,000+) ... 01 Class A4 (75,000,000 - 149,999,999) ... 02 Class A3 (45,000,000 - 74,999,999) ... 03 Class A2 (30,000,000 - 44,999,999) ... 04 Class A1 (15,000,000 - 29,999,999) ... 05 Class B (7,500,000 - 14,999,999) ... 06 Class C (4,500,000 - 7,499,999) ... 07 Class D (3,000,000 - 4,499,999) ... 08 CLOSE Class E (1,500,000 - 2,999,999) ... 09 CLOSE Class F (0 - 1,499,999) ... 10 CLOSE Q8 BANK USAGE
Do you currently have any bank products? This may include but is not limited to transactional accounts, credit cards, loans, savings or insurance at banks. [SA]
Code (143)
Route
No ... 1 Yes ... 2 CLOSE Q9 INTENTION FINANCIAL SERVICES
In the next 6 months, do you plan to use any FINANCIAL SERVICES from a bank?
This may include but is not limited to transactional accounts, credit cards, loans, savings or insurance at banks.[SA]
Code (144)
Route
Yes ... 1 No ... 2 CLOSE MAIN QUESTIONNAIRE
FINANCIAL USAGE AND BEHAVIOR
Which of these is best describes your role in decision making in regards to purchasing financial products? This could include but is not limited to products and services related to banking, insurance or investments.[SA]
I am the person who is decision maker of and mostly responsible for purchasing
financial products/brands for myself or my family members ...
1 I often actively participates in deciding which financial products/ brands to
purchase for myself or my family members ...
2 CLOSE
I sometimes participates in deciding which financial products/ brands to
purchase for myself or my family members ...
3 CLOSE
I never/ hardly ever participate in deciding which financial products/ brands to
purchase for myself or my family members ...
4 CLOSE
Q11 INFLUENCE IN DECISION MAKING SHOWCARD
Who are the key people that influence your perceptions of banks and their products in a way that would impact on your decision making? [MA]
Code (146)
Route
Parents ... 1 Teachers ... 2 Co-workers ... 3 Other family besides parents ... 4 Bank staff (in-branch interaction) ... 5 Friends ... 6 Other (please specify___________________) ... 7 Nobody influences me ... 8 Q12a SOURCES SEEN
SHOWCARD
Over the last 6 months where have you seen banks or bank products mentioned? [MA]
Q12b SOURCE OF INFORMATION SHOWCARD
In the last 6 months, what sources of information have you actively looked for to get information on banks or bank products? [MA]
Q12c TRUST OF INFORMATION SHOWCARD
Which sources of information do you trust to give accurate/honest information? [MA]
Q12a Q12b Q12c
Seen Current Trusted
(148) (151) (154)
Other online sources ... 05 05 05 BANK MARKETING NET ... 06 06 06 Bank pamphlets/brochures (received from bank branch) ... 07 07 07 Direct mail ... 08 08 08 TV advertising ... 09 09 09 Radio Advertising ... 10 10 10 Print Advertising (Newspapers/Magazines) ... 11 11 11 Cinema advertising ... 12 12 12 LCD screen (in elevator, airport ect) ... 13 13 13 Direct sales (phone, in person) ... 14 14 14 Billboard ... 15 15 15 Transportation advertising (Taxi/Bus/Train) ... 16 16 16 Posters ... 17 17 17 OTHER NET ... 18 18 18 Friends/Family/Relatives ... 19 19 19 Bank staff (in branch interaction) ... 20 20 20 Others (Please specify_______________________) ... 21 21 21 Q13a AWARE FINANCIAL SERVICES
SHOWCARD PRODUCT DEFINITION
Which of the following financial services are you aware of? [MA]
PROBE Any thing else?
Q13b USED BUT STOPPED FINANCIAL SERVICES SHOWCARD
Which of the following financial services did you use before but stop using? [MA]
Q13c CURRENTLY USING FINANCIAL SERVICES SHOWCARD
Ask R14 to 24 only
Which of the following financial services have you used in the past 6 months? [MA]
Q13a Q13b Q13c
(H1) Aware of
(H1) Used but
stop
(H1) Currently
using (157-159) (160-162) (163-165) (R1) BANKING SERVICES ... 01 01 01 (R2) ATM/ debit card (Local use only) ... 02 02 02 (R3) ATM/ debit card (international use) ... 03 03 03
(R8) Custody service ... 08 08 08 (R9) Foreign exchange service ... 09 09 09 (R10) International money transfer/ Expatriates' inward
remittance ...
10 10 10
(R11) Domestic money transfer ... 11 11 11 (R12) Insurance products provided by banks ... 12 12 12 (R13) Don't know/don't use any banking services (NO
READ/SHOWCARD) ...
13 13 13
(R14) NON-BANKING SERVICES ... 14 14 14 (R15) Investment (into real estate, securities, etc.) ... 15 15 15 (R16) Loans (from other sources apart from banks) ... 16 16 16 (R17) Saving (not at banks) ... 17 17 17 (R18) Insurance through insurance company ... 18 18 18 (R19) Don't know/ Don't use any non-bank services (NO
READ/SHOWCARD) ...
19 19 19
Q14a NEEDS FOR BANKING SHOWCARD
What needs do you have that have caused you to consider banking?
[MA]
Q14a
Not importan
t
Slightly importan
t
Importan t
Very importan
t
D/K
(166)
(R1) I don't want to carry cash ... 1 2 3 4 5 (167)
(R2) I don't know what to do with left over
cash ...
1 2 3 4 5
(168)
(R3) I want to access bank promotions ... 1 2 3 4 5 (169)
(R4) My workplace requiers me to have a
bank account ...
1 2 3 4 5
(170)
(R5) I wanted to earn intrest on my money ... 1 2 3 4 5 (171)
(R6) To access my money internationaly ... 1 2 3 4 5 (172)
(R7) My busness partners prefer electronic
transfer ...
1 2 3 4 5
(R9) I see my friends using banking ... 1 2 3 4 5 (175)
(R10) I want to use modern transaction
methods to make my life easyer ...
1 2 3 4 5
(176) (R11) Other (please
specify___________________________
______) ...
1 2 3 4 5
Q15a ASK FOR CODES in Q13a
CONSIDERED FINANCIAL SERVICES
SHOWCARD SCALES CHECK LOGIC WITH Q8
You mentioned you are considering using a bank in the next 6 months, which of the following FINANCIAL SERVICES are you considering using? [SA]
Q15a
Not at all likely
Unlikely Undecide d
Likely Highly Likely (177)
(R1) BANKING SERVICES ... 1 2 3 4 5 (178)
(R2) ATM/ debit card (Local use only) ... 1 2 3 4 5 (179)
(R3) ATM/ debit card (international use) ... 1 2 3 4 5 (180)
(R4) Credit card ... 1 2 3 4 5 (215)
(R5) Deposit/ saving account at bank ... 1 2 3 4 5 (216)
(R6) Loan services provided by banks ... 1 2 3 4 5 (217)
(R7) Current account (without card) ... 1 2 3 4 5 (218)
(R8) Custody service ... 1 2 3 4 5 (219)
(R9) Foreign exchange service ... 1 2 3 4 5 (220)
(R10) International money transfer/
Expatriates' inward remittance ...
1 2 3 4 5
(221)
(R11) Domestic money transfer ... 1 2 3 4 5
Q15)?[SA]
Yes ... 1 No ... 2 Q17 REASON FOR MULTI-BANKING OR NOT
Why do you want to (read response in Q16)?
PROBE Any thing else? (probe to no)
(R1) Why want to use one bank? (ask for code 2 in Q17)
___________________________________________________________________________
___________________________________________________________________________
(236-239) (R2) Why want to use different banks? (ask for code 1 in Q17)
___________________________________________________________________________
___________________________________________________________________________
(240-243)
Q18a TRIGGERS FINANCIAL SERVICES SHOWCARD
You mentioned that you were considering (mention code 2 in Q15 a). What is important to you when choosing a bank for this product? [MA]
Q18b You mentioned that you were considering (mention code 3 in Q15 a). What is important to you when choosing a bank for this product? [MA]
Q18c You mentioned that you were considering (mention code 4 in Q15 a). What is important to you when choosing a bank for this product? [MA]
Q18d You mentioned that you were considering (mention code 5 in Q15 a). What is important to you when choosing a bank for this product? [MA]
Q18e You mentioned that you were considering (mention code 6 in Q15 a). What is important to you when choosing a bank for this product? [MA]
debit card (Local use only)
debit card (internati onal use)
card saving account
at bank
services provided by banks
account (without
card)
(245) (253) (261) (269) (277) (319)
Local ATM/Debit Card ... 01 01 01 01 01 01 I need it to access my payroll
income ...
02 02 02 02 02 02
Good interest earned ... 03 03 03 03 03 03 Low fees ... 04 04 04 04 04 04 Large ATM network ... 05 05 05 05 05 05 Convenient location of ATM ... 06 06 06 06 06 06 Accepted at many retail outlets ... 07 07 07 07 07 07 I can pay for things online ... 08 08 08 08 08 08 Can pay my bills without cash ... 09 09 09 09 09 09 Maximum withdrawal limit ... 10 10 10 10 10 10 International ATM/Debit Cards ... 11 11 11 11 11 11 I need to access my payroll income ... 12 12 12 12 12 12 I can access my money anywhere
in the world ...
13 13 13 13 13 13
I want my money to be safe so I
will put it in the bank ...
14 14 14 14 14 14
Good interest earned ... 15 15 15 15 15 15 Low fees ... 16 16 16 16 16 16 Large ATM network ... 17 17 17 17 17 17 Convenient location of ATM ... 18 18 18 18 18 18 Accepted at many retail outlets ... 19 19 19 19 19 19 I can pay for things online ... 20 20 20 20 20 20 Can pay my bills without cash ... 21 21 21 21 21 21 Maximum withdrawal limit ... 22 22 22 22 22 22 SAVINGS ... 23 23 23 23 23 23 Short deposit periods ... 24 24 24 24 24 24 Flexible withdrawal of funds ... 25 25 25 25 25 25 Minimum deposit amount ... 26 26 26 26 26 26 Good interest earned ... 27 27 27 27 27 27 Low fees ... 28 28 28 28 28 28 Multiple currencies investable ... 29 29 29 29 29 29 LOANS ... 30 30 30 30 30 30 Low fees ... 31 31 31 31 31 31
requirements ...
Flexible payment options ... 35 35 35 35 35 35 High debt to collateral ratio ... 36 36 36 36 36 36 Realistic collateral valuation ... 37 37 37 37 37 37 CREDIT CARD ... 38 38 38 38 38 38 Flexibility in document
requirements ...
39 39 39 39 39 39
Generous opening conditions ... 40 40 40 40 40 40 High credit limit ... 41 41 41 41 41 41 Low annual fees ... 42 42 42 42 42 42 Low late payment fee ... 43 43 43 43 43 43 Low annual interest rate ... 44 44 44 44 44 44 Low transactional fees ... 45 45 45 45 45 45 Interest free period ... 46 46 46 46 46 46 Large ATM network ... 47 47 47 47 47 47 Convenient location of ATM ... 48 48 48 48 48 48 Accepted at many retail outlets ... 49 49 49 49 49 49 I can pay for things online ... 50 50 50 50 50 50 Can pay my bills without cash ... 51 51 51 51 51 51 Maximum cash withdrawal limit ... 52 52 52 52 52 52 Rewards programs ... 53 53 53 53 53 53 CURRENT ACCOUNT ... 54 54 54 54 54 54 I need to access my payroll income ... 55 55 55 55 55 55 Good interest earned ... 56 56 56 56 56 56 Low fees ... 57 57 57 57 57 57 Can pay my bills without cash ... 58 58 58 58 58 58 Minimum monthly deposits ... 59 59 59 59 59 59 Different account types available ... 60 60 60 60 60 60 Q19a TOM AWARENESS
ASK ALL
Which bank FIRST comes to your mind? [SA]
Q19b OTHER UNAIDED AWARENESS Any other banks?[MA]
Q19c AIDED BRAND AWARENESS SHOWCARD
ASK ALL
TOM Other unaided awareness
Prompted brand awareness (335-344) (345-354) (375-418) (R2) Bank for Industry & Commercial Vietnam (Vietinbank) ... 02 02 02 (R3) Bank for Investment & Development of Vietnam (BIDV) ... 03 03 03 (R4) Bank for Foreign Trade of Vietnam (Vietcombank) ... 04 04 04 (R5) Bank for Agriculture & Rural Development (AGRIBANK) ... 05 05 05 (R7) Asia Commercial Joint Stock Bank (ACB) ... 07 07 07 (R8) An Binh Bank (ABBank) ... 08 08 08 (R9) Citibank ... 09 09 09 (R11) Eastern Asian Commercial Bank (Dong A Bank) ... 11 11 11 (R12) Vietnam Technological & Commercial Joint Stock Bank
(TECHCOMBANK) ...
12 12 12
(R15) Orient Commercial Joint Stock bank (OCB) ... 15 15 15 (R16) Military bank (MB) ... 16 16 16 (R17) Vietnam International Bank (VIB Bank) ... 17 17 17 (R18) Saigon Thuong Tin Bank (Sacombank) ... 18 18 18 (R21) HCM Housing and Development Bank (HD) ... 21 21 21 (R22) Vietnam Maritime Stock Bank (Maritime Bank) ... 22 22 22 (R23) Vietnam Export & Import Bank (EXIMBANK) ... 23 23 23 (R24) Vietnam Joint Stock Commercial Bank for Private
Enterprises (VP BANK) ...
24 24 24
(R28) ANZ Bank (ANZ) ... 28 28 28 (R29) The Hong Kong and Shanghai Banking Corporation (HSBC) ... 29 29 29 (R33) No banks (DO NOT SHOWCARD) ... 33 33 33 (R45) Southest Asia Bank (SeA Bank) ... 45 45 45 (R51) Don't have (NO READ/ NO SHOWCARD) ... 51 51 51
Q20a CONSIDERED BANKS (LOCAL ATM) ASK CODE 1 in Q15
Thinking of (ask for code 1 in R2 in Q15) please rank 5 banks that you would consider with 1 being the most highly considered. [SA]
PROBE Any others (if less than 5)
Thinking of (ask for code 4 OR 5 in R3 in Q15 ) please rank 5 banks that you would consider with 1 being the most highly considered.
[MA]
PROBE Any others (if less than 5)
Q20c ASK CODE 4 OR 5 in R4 in Q15
Thinking of (ask for code 4 OR 5 in R4 in Q15 ) please rank 5 banks that you would consider with 1 being the most highly considered. [SA]
PROBE Any others (if less than 5)
Q20d ASK CODE 4 OR 5 in R5 in Q15
Thinking of (ask for code 4 OR 5 in R5 in Q15 ) please rank 5 banks that you would consider with 1 being the most highly considered.
[MA]
PROBE Any others (if less than 5)
Q20e ASK CODE 4 OR 5 in R6 in Q15
Thinking of (ask for code 4 OR 5 in R6 in Q15 ) please rank 5 banks that you would consider with 1 being the most highly considered.
[MA]
PROBE Any others (if less than 5)
Q20f ASK CODE 4 OR 5 in R7 inQ15
Thinking of (ask for code 4 OR 5 in R7 in Q15 ) please rank 5 banks that you would consider with 1 being the most highly considered.
[MA]
PROBE Any others (if less than 5)
Q20a Q20b Q20c Q20d Q20e Q20f
(H1) ATM/De
bit (Local)
(H1) ATM/de
bit internati
onal
(H1) Credit
card
(H1) Savings
(H1) Loan
(H1) Current Account
(419- 428)
(429- 438)
(439- 448)
(449- 458)
(459- 468)
(469- 478) (R1) STATE-OWNED BANKS ... 01 01 01 01 01 01 (R2) Bank for Industry & Commercial
Vietnam (Vietinbank) ...
02 02 02 02 02 02
(R3) Bank for Investment &
Development of Vietnam (BIDV)
...
03 03 03 03 03 03
(R4) Bank for Foreign Trade of
Vietnam (Vietcombank) ...
04 04 04 04 04 04
(R5) Bank for Agriculture & Rural 05 05 05 05 05 05
(R8) An Binh Bank (ABBank) ... 08 08 08 08 08 08 (R9) Citibank ... 09 09 09 09 09 09 (R11) Eastern Asian Commercial Bank
(Dong A Bank) ...
11 11 11 11 11 11
(R12) Vietnam Technological &
Commercial Joint Stock Bank
(TECHCOMBANK) ...
12 12 12 12 12 12
(R14) Southern bank ... 14 14 14 14 14 14 (R15) Orient Commercial Joint Stock
bank (OCB) ...
15 15 15 15 15 15
(R16) Military bank (MB) ... 16 16 16 16 16 16 (R17) Vietnam International Bank (VIB
Bank) ...
17 17 17 17 17 17
(R18) Saigon Thuong Tin Bank
(Sacombank) ...
18 18 18 18 18 18
(R21) HCM Housing and Development
Bank (HD) ...
21 21 21 21 21 21
(R22) Vietnam Maritime Stock Bank
(Maritime Bank) ...
22 22 22 22 22 22
(R23) Vietnam Export & Import Bank
(EXIMBANK) ...
23 23 23 23 23 23
(R24) Vietnam Joint Stock Commercial Bank for Private Enterprises (VP
BANK) ...
24 24 24 24 24 24
(R28) ANZ Bank (ANZ) ... 28 28 28 28 28 28 (R29) The Hong Kong and Shanghai
Banking Corporation (HSBC) ...
29 29 29 29 29 29
(R33) No banks (DO NOT SHOWCARD) ... 33 33 33 33 33 33 (R34) Viet Capital ... 34 34 34 34 34 34 (R45) Southest Asia Bank (SeA Bank) ... 45 45 45 45 45 45 (R98) No banks (DO NOT SHOWCARD) ... 98 98 98 98 98 98 (R99) DK/NA (DO NOT SHOWCARD) ... 99 99 99 99 99 99 Q21 WHY CONSIDER THIS BANK
You mentioned that (ask for rank 1 in Q20 ) would be your most highly considered bank. What is the primary reason for this?
(R1) ATM/ debit card (Local use only)
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(R2) ATM/ debit card (international use)
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(516-518) (R3) Credit card
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(519-521) (R4) Deposit/ saving account at bank
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(522-524) (R5) Loan services provided by banks
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(525-527) (R6) Current account (without card)
___________________________________________________________________________
___________________________________________________________________________
___________________________________________________________________________
(528-530)
ASK FOR BANKS AWARE OF IN Q19D HORIZONTALLY SHOWCARD & ROTATE STATEMENTS AND BANKS
Here are some statements people have about banks in different perspectives. On a scale of 1 to 5, please rate the following banks on this list of statements.
1 is strongly disagree with the statement 2 is slightly disagree
3 is neutral/ no opinion 4 is slightly agree 5 is strongly agree
If code 5 banks per person (randomly rotated per respondent) if respondent is aware of ________________ (READ OUT THE NAME OF BANK CHOSEN IN Q19 c)
Vietc omba
nk
ACB Techc omba nk
BIDV Saco mban
k
Đông Á
HSBC VIB Bank
Mariti me bank (532) (534) (535) (536) (537) (538) (539) (540) (543) (R1) Has a wide range of
services ...
(547) (549) (550) (551) (552) (553) (554) (555) (558) (R2) Has efficient processes/
procedure ...
(562) (564) (565) (566) (567) (568) (569) (570) (573) (R3) Has a broad network of
transaction branches ...
(577) (579) (580) (615) (616) (617) (618) (619) (622) (R4) Has professional
service styles and
attitudes ...
(626) (628) (629) (630) (631) (632) (633) (634) (637) (R5) Has very good
customer services ...
(641) (643) (644) (645) (646) (647) (648) (649) (652) (R6) Is financially secure ...
(656) (658) (659) (660) (661) (662) (663) (664) (667) (R7) Has attractive/user-
friendly transaction
points ...
(671) (673) (674) (675) (676) (677) (678) (679) (716) (R8) Is strongly
recommended by every
one ...
(720) (722) (723) (724) (725) (726) (727) (728) (731)
(R9) Has attractive
(750) (752) (753) (754) (755) (756) (757) (758) (761) (R11) Have competitive fees
and interest rate ...
Q23 IMPORTANCE OF IMAGERY SHOWCARD
From this list of attributes could you please rank your top 3, with 1 being the most important.
PROBE Any others? (probe until 3)
RANK
(R1) Has a wide range of services ... (764) (R2) Has efficient processes/ procedure ... (765) (R3) Has a broad network of transaction branches ... (766) (R4) Has professional service styles and attitudes ... (767) (R5) Has very good customer services ... (768) (R6) Is financially secure ... (769) (R7) Has attractive/user-friendly transaction points ... (770) (R8) Is strongly recommended by every one ... (771) (R9) Has attractive promotion programs ... (772) (R10) Is a market leader in Vietnam ... (773) (R11) Have competitive fees and interest rate ... (774) Q24a MOBILE/ INTERNET BANKING AWARE
SHOWCARD
Which of the following banking methods are you aware of?[MA]
Q24b CONSIDERED TRANSACTIONAL CHANNELS SHOWCARD SCALE
Which of the following TRANSACTIONAL CHANNELS are you considering using? [MA]
Q24a Q24b
Aware Not at all likely
Unlikely Undecid ed
Likely Highly Likely (775) (780)
(R1) Phone banking (call operator) ... 1 1 2 3 4 5 (776) (815)
(R2) Mobile banking (SMS banking) ... 1 1 2 3 4 5 (777) (816)
(R3) Online/ Internet banking ... 1 1 2 3 4 5 (778) (817)
(R4) Bank counter ... 1 1 2 3 4 5
MOBILE BANKING SHOWCARD
Amongst these functions of MOBILE BANKING, which one are you aware of? [MA]
Q25b ASK FOR CODE 3 IN Q24 INTERNET BANKING SHOWCARD
Amongst these functions of INTERNET BANKING, which one are you aware of?
[MA]
Q25a Q25b
(H1) Mobile banking
(H1) Internet Banking (819) (820) (R1) Reciving funds from other people ... 01 01 (R2) International money transfer ... 02 02 (R3) Query the bank information ... 03 03 (R4) Query historical transactions, interest rate, exchange rate ... 04 04 (R5) Pay for bills and invoices (utilities, phone, mobile, etc.) ... 05 05 (R6) Query account information (current account, loan, saving, etc.) ... 06 06 (R7) Fund transfer between my own accounts ... 07 07 (R8) Fund transfer to mobile accounts ... 08 08 (R9) Other (specify ____) ... 09 09 (R10) DK/ NA ... 10 10 Q26 ASK CODE 3 IN Q24
SHOWCARD
What is your opinion on internet banking? [MA]
Code (821)
Route
Convenient (General mention) ... 01 Cheap ... 02 Faster turnaround time ... 03 I can perform my banking activities online ... 04 I don't feel internet banking is save ... 05 It provides fast access to banking services ... 06 I like to interact with bank staff ... 07 I don't have access to internet at home ... 08 I can access any time ... 09 Takes long time to load the interface ... 10 I am worried about SCAM websites ... 11
... 15
SAVING AND INVESTMENT (NOT AT BANKS)
Q27 ASK FOR CODE 14 & 16 IN Q13c
WHERE DO YOU PUT YOUR SAVINGS SHOWCARD
Which methods are you currently using for your savings? [MA] Code (830) Route
Save at home ... 01
Gold trading ... 02
Foreign currency trading ... 03
Take part in a tontine ... 04
Invest into real estate ... 05
Invest into stock exchange ... 06
Invest into bonds ... 07
Put money into other business ... 08
Buy insurance ... 09
Other (specify) ... 10
Q28 ASK FOR CODE 14 OR 16 IN Q13c
WHY SAVE THAT WAY SHOWCARD
Why do you choose to save/ invest by those methods? [MA] Code (832) Route
Faster returns on investment ... 01
Simple procedure ... 02
Flexible withdrawal ... 03
I'm a risk-taker ... 04
Do not trust bank ... 05
Better returns ... 06
Safety of investment ... 07
Influenced by others (ie. I must save the same way as my parent/spouse) ... 08
Other (specify) ... 09
DK/NA ... 10 Q29 AMOUNT OF MONEY SAVED
Could you please tell me the average monthly amount that you save or invest(VND '000)?
Q30 ASK FOR CODE 15 IN Q13c WHERE DO YOU BORROW SHOWCARD
When you are in need of certain amount of money, which sources do you choose to borrow money from, beside banks?[MA]
PROBE Any others?
Code (843)
Route
I use money from own savings ... 01
I sell valuable assets ... 02
Non-bank financial/ Institution companies ... 03
Pawn shops ... 04
Family/ Relatives ... 05
Friends/ Colleagues ... 06
Loan sharks ... 07
My company ... 11
Other (specify) ... 12
Q31 ASK FOR CODE 15 IN Q13b
WHY NOT BORROW FROM BANKS SHOWCARD
What are the reasons that you decide to borrow money from above sources
other than bank?[MA] Code (845) Route Don't need to deposit certificates of assets/ property ownership ... 01
Procedure/ formality is simple ... 02
Able to provide big loan ... 03
Able to obtain loans quickly ... 04
Can increase credit line ... 05
Don't have to pay for interest rate ... 06
Able to avoid bureaucratic issues or additional for bank staff ... 07
Flexible payment manners ... 08
Other (specify) ... 09 Q32 ASK FOR CODE 15 IN Q13b
LOAN AMOUNT (NOT AT BANK) SHOWCARD
Could you please tell me the average amount that you borrow from other sources rather than bank(VND '000)?
(R1) Loans amount ... (846-853)
METHOD OF TRANSFER
Which methods are you currently use to transfer money to others?[MA]
(854)
Gold stores ... 1
Banks ... 2
Western Union ... 3
Money Gram ... 4
Passenger bus services ... 5
Post office ... 6
Through relatives/acquaintance ... 7
Self-bringing ... 8
Other (specify) ... 9 Q34 ASK FOR CODE 10/11/21 IN Q13b
AMOUNT OF TRANSFER
Could you please tell me the average monthly amount that you transfer to others?
(R1) ... (855-862) FINANCIAL ATTITUDE
Q35a ATTITUDE TOWARDS RISKS SHOWCARD SCALE
ROTATE STATEMENT
Below are some statements that people use to describe about themselves. Could you please let us know which statements are suitable with you about taking risk? [MA]
Q35a
Strongly Disagree
Disagree Neither Agree or Disagree
Agree Strongly Agree (864)
(R1) People who know me would describe
me as a cautious person. ...
1 2 3 4 5
(865) (R2) I feel comfortable about investing in the
stock market. ...
1 2 3 4 5
(866) (R3) I generally look for the safest type of
investment, even if that means lower
returns. ...
1 2 3 4 5
(867)
(R4) I like to listen to advice about 1 2 3 4 5
(869) (R6) I find investment and other financial
risks easy to understand. ...
1 2 3 4 5
(870) (R7) I am willing to take substantial financial
risk to earn substantial financial returns.
...
1 2 3 4 5
Q36a ATTITUDE TOWARDS LONG-TERM/ SHORT-TERM SHOWCARD SCALE
ROTATE STATEMENT
Below are some statements that people used to describe about themselves. Could you please let us know how likely do those statements suit with you? [SA]
Q36a
(H1) Strongly Disagree
(H2) Disagree
(H3) Neither Agree or Disagree
(H4) Agree
(H5) Strongly
Agree
(876) (877) (878) (879) (880)
(R1) Saving some money for the future is very
important. ...
1 1 1 1 1
(R2) Usually I may run out of money at the
end of the month. ...
2 2 2 2 2
(R3) I want to save money to protect myself
from unexpected events. ...
3 3 3 3 3
(R4) I usually spend all the money I have within today, then think about how to
earn more money later on. ...
4 4 4 4 4
(R5) My friends describe me as an
uncautionary person. ...
5 5 5 5 5
(R6) I usually have careful plan for using
money/ buying something. ...
6 6 6 6 6
(R7) I often spend money without care. ... 7 7 7 7 7
Q37a OPEN TO TRY NEW THINGS SHOWCARD SCALE
ROTATE STATEMENTS
Please indicate how much you agree/disagree with each statement.
[SA]
Q37a
Strongly Disagree
Disagree Neither Agree or Disagree
Agree Strongly Agree