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The collected primary data were processed using SPSS and AMOS software. The
                  study  tested  the  reliability  of  the  scales  using  Cronbach’s  Alpha  >  0.7,  a  statistical

                  measure indicating the degree of internal consistency among the items in the scale.
                  Subsequently,  an  Exploratory  Factor  Analysis  (EFA)  was  performed  to  assess  the
                  unidimensionality of the scales used in the study. Following this, Confirmatory Factor
                  Analysis  (CFA)  was  utilized  to  validate  the  scales.  Finally,  the  study  employed
                  Structural Equation Modeling (SEM) to test the fit of the theoretical model and the
                  hypotheses.
                        4. Research results
                        4.1. Descriptive demographic statistics

                                              Table 2. Descriptive Sample Statistics
                         Criteria                Category                   Quantity      Proportion (%)

                                                 Male                             112           30.44
                         Gender                  Female                           256           69.56
                                                 Total                            368           100
                                                 20 - 30 years                    73            19.84
                                                 30 - 40 years                    156           42.39
                         Age                     40 - 50 years                    127           34.51

                                                 Above 50 years                   12            3.26
                                                 Total                            368           100
                                                 Under 10 million VND             195           52.99

                                                 10 - 15 million VND              116           31.52
                         Income                  15 - 20 million VND              28            7.61
                                                 Over 20 million VND              29            7.88
                                                 Total                            368           100

                                                 Office worker                    167           45.38
                         Current                 Business                         87            23.64
                         Occupation              Freelance worker                 51            13.86
                                                 Student                          63            17.12

                                                 Total                            368           100
                        4.2. Exploratory and confirmatory factor analysis
                        Reliability Analysis of Measurement Scales
                                          Table 3. Summary of Scale Reliability Tests
                                                                       Corrected
                                  Scale Mean if     Scale Variance if   Item-Total     Cronbach's Alpha
                    Variable      Item Deleted      Item Deleted       Correlation     if Item Deleted
                                          Confidence in benefits - Cronbach’s Alpha = 0,795
                         CON1                10,07             3,282            0,585                 0,755
                         CON2                10,01             3,054            0,611                 0,742
                         CON3                10,01             3,193            0,579                 0,757
                         CON4                10,05             2,932            0,651                 0,721
                                                      Cronbach’s Alpha = 0,845

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