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<xml><bibliography><APA>Thu-Trang Thi Doan และ -. (2020) FACTORS AFFECTING INTENTIONS TO USE CREDIT CARDS IN VIETNAM: AN EMPIRICAL RESEARCH BASED ON UTAUT. &lt;i&gt;International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies&lt;/i&gt;, &lt;i&gt;11&lt;/i&gt;(4), 11A04B: 1-11.</APA><Chicago>Thu-Trang Thi Doan และ -. "FACTORS AFFECTING INTENTIONS TO USE CREDIT CARDS IN VIETNAM: AN EMPIRICAL RESEARCH BASED ON UTAUT". International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies  11 (2020):11A04B: 1-11.</Chicago><MLA>Thu-Trang Thi Doan และ -. FACTORS AFFECTING INTENTIONS TO USE CREDIT CARDS IN VIETNAM: AN EMPIRICAL RESEARCH BASED ON UTAUT. TuEngr Group:ม.ป.ท. 2020.</MLA></bibliography></xml>
