The paper aims to explore the factors affecting potential users of international bank cards in Vietnam. With milestones treaties being signed CPTPP and EVFTA, Vietnam is now exposing itself to the international open environment. Bank card market is at the core of this wind of change, and that is the reason for us to research the intention to use international bank cards. Given that the decision to choose international bank cards could either be the switch from domestic cards or adopting a brand new card, we develop some specific constructs to reflect that consideration, specifically PE and PD, asides from traditional constructs used in TPB and TAM frameworks. The analysis work is conducted using PLS-SEM approach. Our findings reveals that most of our proposed hypotheses are supported, in which SN plays the most important direct role to INT, while total effect of PU on INT is similar to that of SN. The newly introduced PD negatively and significantly impacts INT, and PE also has a positive impact on INT. The findings suggest that overall, it is important for bank card issuers to have a balance approach to the market, with focus on increasing usefulness and reducing potential disadvantages of international bank cards.

Abstract
1. Introduction
2. Literature Review and Hypotheses
    2.1. Perceived Ease of Use (PEU)
    2.2. Perceived Usefulness (PU)
    2.3. Attitude (ATT)
    2.4. Subjective Norm (SN)
    2.5. Perceived Behavioral Control (PBC)
    2.6. Past Experiences (PE)
    2.7. Perceived Disadvantages (PD)
3. Data and Methodology
    3.1. Methodology
    3.2. Data
4. Empirical Results
    4.1. Proposed Model Output
    4.2. Assessment of Measurement Model
    4.3. Assessment of Structural Model
5. Discussions
6. Conclusions and Limitations
References

• Dzung Tran Trung PHAN(Faculty of Finance and Banking, Foreign Trade University)
• Thanh Thi Ha NGUYEN(Faculty of Finance and Banking, Foreign Trade University) Corresponding Author.
• Tuan Anh BUI(Foreign Trade University)