This research aims to investigate the impact of school efficiency on student development and sheds light on the way that top-universities enhance students’ knowledge, skills, health, and psychological development. Through interviewing and sending online questionnaires to over 2000 students from 5 top universities in Vietnam based on Ranking Web of Universities, the research results suggest the significant influence of school-related factors, student demographic factors, and students’ personality on student development. Specifically, teaching quality has a positive relationship with all dependent variables except for psychosocial development. The results also illustrate that school facilities positively relate to students’ satisfaction but negatively associate with their academic performance. Additionally, the research points out that boys have better psychological, mental, and physical development than girls do. At the same time, students with lower schoolyear tend to have a higher level of studying satisfaction. Furthermore, the impact of personality, including openness, conscientiousness, and extraversion, on student development is remarkable due to their significant positive connections with all five dependent variables. On the other hand, agreeable students appear to have less psychological development than those in other personality groups.

This study aims to shed light on the way customers determine their utilization of international payment services with blockchain applications. The primary data is collected from the 373 individuals who frequently use the international payment services in Vietnam. We apply the combination of TAM, UTAUT, and ISS models to test the determinants of the Intention to use International payment services at Commercial banks applying Blockchain. These determinants are Quality of System, Quality of Service, Quality of Information, Perceivable usefulness, Convenient usefulness, and Social influence. The research results show that (i) All of the above factors are positively associated with customers’ intention to use international payment services in Vietnamese banks which implement blockchain; (ii) The quality of information has the strongest positive impact on the customer's intended use. It refers that the international payment services in banks should be safe, accurate and timely; (iii) Differently from the hypothesis, the social influence indicator is positively related to the customer's intention to use the service, affirming the potential interests of customers on blockchain if applying successfully in banks; (iv) Although current customers have not paid much attention whether banks apply blockchain in international payment or not, they have taken concentration on fundamental risks, costs, and convenience of the services. This signal is consistent with the fact that only 2/46 commercial banks and 49 foreign bank branches in Vietnam provide international payment service with blockchain application nowadays.