Anh, Nguyen Thi Lan, and Duy Van Nguyen. “Balancing Resources: Returns and the Digital Transformation of Vietnam’s Banking Sector”. The Economics and Finance Letters 13, no. 1 (February 13, 2026): 95–104. Accessed March 23, 2026. https://www.archive.conscientiabeam.com/index.php/29/article/view/4783.