NGUYEN, H. T. .; NGUYEN, G. H. .; TRAN, Y. T. H. . The impact of digital transformation on the operational efficiency of commercial banks: Empirical evidence from Vietnam. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 8, n. 2, p. 4345–4353, 2025. DOI: 10.53894/ijirss.v8i2.6365. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/6365. Acesso em: 18 jun. 2025.