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Authors
Do, Hang Thu
Luu, Diep Thi Ngoc
Nguyen, Truc Thanh
Nguyen, Ngoc Thi Hong
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Funding
Funding for this research was provided by:
Banking Academy of Vietnam (5711/TB-HVNH)
Banking Academy of Vietnam (5711/TB-HVNH)
Banking Academy of Vietnam (5711/TB-HVNH)
Banking Academy of Vietnam (5711/TB-HVNH)
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Article History
Received: 28 November 2025
Accepted: 2 February 2026
First Online: 17 February 2026
Declarations
:
: Not applicable.
: Not applicable.
: The authors declare no competing interests.
