Van Dung HA, and Viet Dung TRAN. “Smart Card-Based Electronic Payment Systems and Retailing in HO CHI MINH City”. Journal of Business Management and Economics 8, no. 03 (March 31, 2020): 13–20. Accessed December 22, 2024. http://innovativejournal.in/index.php/jbme/article/view/2851.