Determinants of Continuance Intention to Use Credit Cards in Vietnam: A Model Integrating Stimulus-Organism-Response, Perceived Risk, and Information System Success

This study investigates the factors influencing customers' continuance intention to use credit cards in Vietnam, drawing on the stimulus-organism-response framework, the theory of perceived risk, the expectation-confirmation model, and the information system success model.The study conducts a survey of 418 credit card holders to test a proposed model linking three quality attributes (information, service, system) to perceived risk, perceived usefulness, satisfaction, and continuance intention.The results, based on structural equation modeling, reveal that the quality attributes have significant effects on perceived risk and usefulness, which, along with satisfaction, directly influence continuance intention.However, perceived risk only indirectly affects satisfaction through perceived usefulness.The findings provide insights into the complex interplay of cognitive, affective, and environmental factors shaping credit card users' post-adoption behavior, and offer implications for enhancing the design, marketing, and management of credit card services in emerging markets.Limitations and future research directions are discussed.