According to the Vietnam Banks Association, at the start of June 2010, Vietnam had
more than 24 million bank cards, 48 card issuers, over 190 card brands, nearly 11,000
ATMs and 37,000 points of sale (POS). At the end of April 2012, the country had 52 card
issuers with more than 300 card brands, and over 44.6 million cards (an increase of 12
times over end-2006) (Thuy Trieu, 2010) .These figures were impressive in the roadmap
of implementing the non-cash payment scheme in Vietnam but they point out to the more
and more intensive competition between banks in having more customer using their
cards.
Card services are also