Nguyen, Huyen Thanh, Giang Huong Nguyen, and Yen Thi Hai Tran. “The Impact of Digital Transformation on the Operational Efficiency of Commercial Banks: Empirical Evidence from Vietnam”. International Journal of Innovative Research and Scientific Studies 8, no. 2 (April 22, 2025): 4345–4353. Accessed June 11, 2025. https://www.ijirss.com/index.php/ijirss/article/view/6365.