Abstract
Modern marketing science says that in business, it is always necessary to satisfy the needs of consumers to get the desired profit. Decisions based on hypotheses about consumer behavior always have a higher probability of success than decisions based solely on managers' intuition. Within the scope of the article, based on the general perception of consumer behavior theory, analysis of the credit behavior of Vietnamese consumers, and the development of Vietnam's credit market, the author proposes some solutions to apply the theory of consumer behavior in credit business in Vietnam in the coming time.
 Keywords: Credit, Consumer Behavior, Vietnam.
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