Nguyen, Thi Dieu Linh, and Tam Hoang Luong. “Enhancing Satisfaction With Credit Card Products: The Role of Empathy, Responsiveness, and Reliability”. Ho Chi Minh City Open University Journal of Science - Economics and Business Administration 17, no. 2 (June 23, 2026). Accessed September 12, 2026. https://journalofscience.ou.edu.vn/index.php/econ-en/article/view/5129.