https://www.archive.conscientiabeam.com/index.php/29/issue/feed 2025-12-16T03:29:10-06:00 Open Journal Systems https://www.archive.conscientiabeam.com/index.php/29/article/view/4575 2025-12-11T23:55:31-06:00 Vu Thuy Linh linhvt.tlkt@ulsa.edu.vn Tran Van Hai tvhai9@hou.edu

<p>In the era of Industry 4.0 and ongoing digital transformation in the banking sector, Fintech has become a vital catalyst for the growth of cashless payment services in Vietnamese commercial banks. The Bank for Investment and Development of Vietnam (BIDV) is among the leading banks at the forefront of Fintech adoption, aiming to improve customer experience and enhance the efficiency of electronic transactions. However, the extent of Fintech adoption varies significantly across BIDV branches and is influenced by various factors. Grounded in theoretical foundations and a comprehensive review of previous studies, this research develops a conceptual model to identify the main factors affecting the level of Fintech adoption in cashless payments at BIDV. Primary data were collected through a structured survey of 250 customers across multiple BIDV branches. The data were analyzed using SPSS software, beginning with reliability testing to confirm the consistency of measurement scales. Subsequently, exploratory factor analysis (EFA) was employed to uncover the underlying factor structure, followed by multiple regression analysis to assess the impact of each factor on Fintech adoption levels. The results indicate that all identified factors have a positive and statistically significant influence on the degree of Fintech adoption across BIDV branches. Based on these findings, the study offers several practical recommendations to promote more effective and consistent Fintech implementation. The main contribution of this research lies in providing empirical evidence and a validated analytical framework for understanding the key drivers of Fintech adoption within Vietnamese commercial banking.</p>

2025-12-11T00:00:00-06:00 Copyright (c) 2025 https://www.archive.conscientiabeam.com/index.php/29/article/view/4578 2025-12-16T03:29:10-06:00 Nur Liyana Mohamed Yousop nurliyana@uitm.edu.my Nazrul Hisyam Ab Razak nazrul@upm.edu.my Bany Ariffin Amin Noordin bany@upm.edu.my

<p>This study explores current research trends on Trade-Based Money Laundering (TBML) within the context of environmental crime through a structured review of academic literature. It then investigates the association between TBML and environmental crime incidents across Southeast Asia. A two-stage methodology is adopted. The first stage systematically reviews studies published between 2006 and 2025, revealing that TBML research remains in its infancy and is principally focused on conceptual frameworks with limited empirical validation. The second stage applies a fixed-effects panel regression, using trade mis invoicing as a proxy for TBML and controlling for corruption, government intervention, and cross-border mobility. The results indicate a positive and statistically significant association between TBML and environmental crime, with the relationship strengthened in jurisdictions marked by higher levels of corruption and weaker enforcement. These findings underline the necessity for coordinated regional action and a holistic policy response to all TBML dimensions. Policymakers should conduct a comprehensive review of Southeast Asian regulatory frameworks to close loopholes, strengthen cross-border cooperation, and deploy real-time fraud detection systems to enhance transparency and deter illicit conduct. Enforcement must remain proportionate to avoid displacing laundering into clandestine channels, striking a balance between vigilant oversight and the facilitation of legitimate trade.</p>

2025-12-16T00:00:00-06:00 Copyright (c) 2025