3RD ASIA PACIFIC PACIFIC CONFERENCE ON MULTIDISCIPLINARY RESEARCH (APCMR) Saigon Prince Hotel HoChi Minh City, Vietnam March 29 – 30, 2023 Table of Contents CONFERENCE PROCEEDINGSP-ISSN 2651-7701 E-ISSN 2651-771X 37. The External Variables Affecting the Intention & Decision to Use Bank Card of Vietnamese ConsumersPhạm Nguyễn Thị Hoàng Hoaphamnguyenthihoanghoa@qnu.edu.vnVietnam38. Perceived Risk Factors Affecting Consumers’ Online Shopping BehaviorMabel O. Lopez, Erika Caniño And Jamaica VelosoBatangas State University JPLPC – Malvar, Philippines39. Hotel Attributes: A Basis For Consumer Decision-Making in Hotel ReservationDennis B. LegaspiBatangas State University TNEU JPLPC-Malvar, Philippines40. Electronic Guide Stick Using Ultrasonic Sensors and Arduino with Earphone Assistance for the Visually Impaired PeopleMariciel Marcial-Teogangco, James Patrick P. Huelar, Romie D. Prado, Roberto S. Sto. Domingo III, Joedel A. TamadilesUniversity of Perpetual Help System DALTA – Molino Campus, Philippines Page 1 2 3 4 5