Part of the population live in rural areas with low incomes and unstable so almost no need to use the card, especially international credit card, so it is not a target market of banking. Part of the population live in urban areas with high income and more stable, but not everyone has the same income. So can be divided into two groups: those with income per 3 million / month and the average income group over 3 million / month. There are also objects that are alien to Vietnam, this is quite large objects need to use international credit cards high.
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