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Article History

Received: 12 June 2025

Accepted: 9 March 2026

First Online: 28 March 2026

Competing interests

: The authors declare no competing interests.

: Ethics approval for the research was granted by Ho Chi Minh Banking University and Publication Ethics Committee on 1.06.2024, under decision number H10REA17. All procedures involving human participants followed the ethical standards of the institutional and national research committees and aligned with the 1964 Helsinki Declaration and its amendments.

: We provided detailed information to the participants about the purpose, scope, and expectations of the study before they participated in the study. We explained the aims of the study, the information requested from the participants, the data collection process, and the method of using the data in a clear and understandable language. Before the research survey questionnaire, the participants received a consent form between June 1, 2024, and June 1, 2025, having read and understood the research’s purpose. We informed the participants that participation in the study was completely voluntary and that they had the right to withdraw from the study at any stage. We obtained written informed consent forms from the participants. These forms indicate that the participants accepted the terms of the study and approved the use of their data for the purposes of the study.