Factors affecting user’s risk perception and precautionary behavior when using Fintech: a comparison of Norway-a developed country, and Vietnam- a developing country.

Financial technology (known as Fintech) is one of the most prominent trends in the global industrial revolution 4.0. It refers to innovative technology that aims to enhance and automate the delivery and usage of financial services. As a result of the effects of the covid 19 epidemic, particularly the social distancing policy and the demand for digital connectedness, the formation of fintech firms providing various types of services has expanded rapidly (Feyen et al., 2021). This financial industry innovation provides numerous positive effects, but it also contains considerable risks for customers, suppliers, and intermediaries, especially cyber security risks. Based on prior research subjects such as perceived risk variables influencing intention to use Fintech (Tang et al., 2020) and the connection between risk perception and preventative behavior (Alqahtani et al., 2021; van Schaik et al., 2017), this study will focus on two main goals. The first objective is to discover and recognize factors that influence consumers' perceptions of possible hazards when using fintech. Then, we will examine the effect of risk perception on consumer precautionary behavior regarding information security. Therefore, investors and founders of Fintech software may better understand their customers' requirements and develop more security solutions. The findings indicate that knowledge, affect, and trust are the primary determinants influencing the risk perception of Fintech consumers in Vietnam and Norway. Nevertheless, there exists a disparity in the level of their impact when contrasting the two nations. Furthermore, it was observed that risk perception served as a predictor of Fintech users’ precautionary behavior. The research model's reliability and validity are ensured through the utilization of SmartPLS software for the analysis of survey data

Agri-Food Value Chain Performance during the COVID-19 Pandemic: An Empirical Study of Chu-mango Business Linkages in Dong Thap, Vietnam

This study aims to identify important factors that directly influence value chain performance (quality, responsiveness, flexibility and efficiency), which are explained by value chain integration (collaboration, commitment, coordination and joint decision-making) in the case of unexpected risk (the COVID-19 pandemic). This study contributes to maintaining the business linkage model among farmers – cooperatives – enterprises in the caseof the COVID-19 pandemic and quickly recovering after the COVID-19 pandemic. Structural equation modelling (SEM) was used for data analysis following an iterative process based on theoretical and empirical analyses toobtain a structural model fit and test the research hypothesis. The findings indicate that the VCI positively influenced the VCP of Chu-mango business linkages at the 1% significance level through coordination (Beta = 0.345;construct reliability (CR) = 3.272), collaboration (Beta = 0.289; CR = 3.128), and joint decision-making (Beta = 0.324; CR = 3.245). This study provides empirical data on the relationship between VCI and VCP through the Chu -mango value chain in Dong Thap Province during the COVID-19 pandemic to raise awareness from stakeholders and encourage value chain thinking to improve performance. This result may pave the way for relevant policymakers to look for policies and strategies for better inclusiveness of stakeholders to show the importance of the VCI in improving the performance. Moreover, the study is an empirical case contributing to the agribusiness value chain in a developing country; it applies the agribusiness value chain of the tropical fruit domain and can be used for otheragricultural products in other cases of unexpected risks

Necessity for the policy to reinforce the role of universities from innovative startup competitions at the innovative startup ecosystem in Vietnam

Universities have always been a place to grow and foster innovation, which often leads to the founding of startups and the introduction of innovative goods or services. One key contributor to this occurs in the form of innovative startup competitions on a university level. In this paper, we highlight the role of such university startup competitions in providing a favorable environment for students to participate in innovation activities and to organize contests of innovative startup ideas. We further categorize innovative startup competitions in Vietnam as a real-world example, and present the results of a local survey on university student participation in innovative startup competitions. Finally, we suggest various solutions as the necessary policy to strengthen the role of universities in the existing startup ecosystem

Necessity for the policy to reinforce the role of universities from innovative startup competitions at the innovative startup ecosystem in Vietnam

Universities have always been a place to grow and foster innovation, which often leads to the founding of startups and the introduction of innovative goods or services. One key contributor to this occurs in the form of innovative startup competitions on a university level. In this paper, we highlight the role of such university startup competitions in providing a favorable environment for students to participate in innovation activities and to organize contests of innovative startup ideas. We further categorize innovative startup competitions in Vietnam as a real-world example, and present the results of a local survey on university student participation in innovative startup competitions. Finally, we suggest various solutions as the necessary policy to strengthen the role of universities in the existing startup ecosystem

MORE ENVIRONMENTAL FRIENDLY METHOD OF LEAD RECYCLING FROM WASTE BATTERY PASTE-AN ELECTROCHEMICAL INVESTIGATION

Joint Research on Environmental Science and Technology for the Eart

The Factors Affecting the Level of Information Disclosure on Financial Statements in the Industrial Enterprises Listed on Ho Chi Minh Stock Exchange

This research analyzes the factors affecting the level of information disclosure on financial statements in the industrial enterprises listed on Ho Chi Minh stock exchange. Using financial statements of 87 industrial enterprises of the fiscal year 2017, the research shows that there are 6 factors affecting and having a positive relations with the level of information disclosure. These include: the scale of business, Duration of operation, Audit firm reputation, Solvency, Financial leverage and Return on Equity (ROE). The result points to signals that help the State Securities Commission to control better of information disclosure of firms. In addition, the study recommends measures for shareholders, especially those in large companies to strengthen the supervision, control managers in the disclosure of business information

Research of multi-response optimization of milling process of hardened S50C steel using minimum quantity lubrication of Vietnamese peanut oil

This study aims to build a regression model when surveying the milling process on S50C steel using Minimum Quantity Lubrication (MQL) of Vietnamese peanut oil-based on Response Surface Methodology. The paper analyses and evaluates the effect of cutting parameters, flow rates, and pressures in minimum quantity lubrication system on cutting force and surface roughness in the milling process of S50C carbon steel materials after heat treatment (reaching a hardness of 52 HRC). The Taguchi method, one of the most effective experimental planning methods nowadays, is used in this study. The statistical analysis software, namely Minitab 19, is utilized to build a regression model between parameters of the cutting process, flow rates and pressures of the minimum quantity lubrication system and the cutting force, surface roughness of the part when machining on a 5-axis CNC milling machine. Thereby analyzing and predicting the effect of cutting parameters and minimum quantity lubrication conditions on the surface roughness and cutting force during machining to determine the influence level them. In this work, the regression models of Ra and F were achieved by using the optimizer tool in Minitab 19. Moreover, the multi-response optimization problem was solved. The optimum cutting parameters and lubricating conditions are as follows: Cutting velocity Vc=190.909 m/min, feed rate fz=0.02 mm/tooth, axial depth of cut ap=0.1 and nozzle pressure P=5.596 MPa, flow rate Q=108.887 ml/h. The output parameters obtained from the above parameters are Ra=0.0586  and F=162.035 N, respectively. This result not only provides the foundation for future research but also contributes reference data for the machining proces

Direct Democracy under the Conditions of One Party Ruling in Modern Vietnam

The article focuses on clarifying the role of direct democracy, analyzing the Communist Party of Vietnam's position system on direct democracy and recognizing the limitations in the implementation of this form of democracy in modern Vietna