Nguyen Minh Sang

This study aims to analyze financial well-being as well as the factors affecting the financial well-being of Vietnamese students. The study surveyed 658 students in Vietnam via email and Facebook groups with suitable survey subjects in the period from May to June, 2021. The study also collected demographic information and the status of independence or financial dependence of students participating in the survey in Vietnam. The study analyzes the direct and indirect effects of six groups of independent factors on the financial well-being of Vietnamese students through the PLS-SEM model. Empirical study results show that three factors, such as Financial Attitude, Financial Behavior, and Financial Self-Efficacy, have a direct impact, while two other factors, Financial Knowledge and Financial Skills, have an indirect impact on financial well-being of students in Vietnam. Although there are some limitations in the representative level of students participating in the survey, sampling methods and the number of respondents in the survey, the study achieved its research objectives. This study provides more empirical evidence and insights to the Ministry of Education and Training and economics universities in designing training programs that equip students with knowledge and skills to achieve financial well-being.

Acknowledgment
The author wishes to acknowledge support from the Banking University of Ho Chi Minh City. The author would like to thank all the lecturers and students for their support in sharing the survey, and the students who completed the survey. This study was made possible thanks to all valuable support from relevant stakeholders.

Banking system is an important part of the financial system of each country. The operating efficiency in the commercial banking system will provide the tools and financial products more attractive and relevant to the needs of actors in the economy. The purpose of this paper is to analyze the impact of COVID-19 on the efficiency of 26 Vietnamese commercial banks. The paper uses a quantitative method with the nonparametric frontier analysis, data envelopment analysis (DEA) approach, to measure the efficiency of Vietnamese commercial banks. The paper adopts an intermediation approach as the banks are viewed as financial intermediaries providing financial services and payment services to entities in the economy. Research findings reveal that Vietnamese commercial banks have effectively leveraged the positive impacts of the COVID-19 pandemic, since the average efficiency in 2020 improved over the pre-pandemic period in 2019 on the same models for comparison and estimation. Based on such findings, the study makes some suggestions and recommendations to help Vietnamese commercial banks increase their operational efficiency in the context of the prolonged pandemic.

Acknowledgment
The author wishes to acknowledge support from the Banking University – Ho Chi Minh City. This research was made possible thanks to all valuable support from relevant stakeholders.

The objective of this study is to provide more empirical evidence on the impact of the capital adequacy ratio, as well as control and micro variables, on the financial stability of commercial banks in emerging markets such as Vietnam. The study analyzes the impact of the capital adequacy ratio on the financial stability of 18 Vietnamese commercial banks in the period 2010–2020 using the Generalized method of moments (GMM) model. Empirical research results show that the capital adequacy ratio has a positive correlation with the financial stability of Vietnamese commercial banks during the study period. Besides, the study also uses control variables such as Profitability through ROA and ROE, Bank Size (SIZE), Loans to Assets Ratio (LTA), Deposits to Assets Ratio (DTA), and Loan Loss Ratio (LLR), to analyze their impact on the financial stability of Vietnamese commercial banks.
Based on the above results, the study proposes some policy implications to enhance the financial stability of Vietnamese commercial banks using the capital adequacy ratio and the control variables from the GMM model that are statistically significant. The paper also pointed out four limitations of the study in terms of data, research samples, methods and research models, so that further research can be more complete.

Acknowledgment
The author wishes to acknowledge support from the Banking University of Ho Chi Minh City.
This research was made possible thanks to all valuable support from relevant stakeholders.

This research explored and examined the link between electronic word-of-mouth, corporate social responsibility, and loyalty of 282 customers using banking services in Vietnam (PLS-SEM) through the Partial Least Squares Structural Equation Modeling. The data were gathered using convenience sampling, with a sample of 282 customers who used banking services in Vietnam and interacted with the bank through social media. The survey is intended to include 16 questions separated into two parts: the first part contains 5 demographic questions, and the second part contains 11 questions divided into three sets of factors: corporate social responsibility, electronic word-of-mouth, and loyalty.
The survey was emailed to customers using banking services and interacting with banks via social media in Vietnam. According to the findings of the empirical study, there is a direct and indirect link between corporate social responsibility, electronic word-of-mouth, and customer loyalty in Vietnam’s banking sector. The results of empirical research in Vietnam’s banking industry indicate that corporate social responsibility has direct and positive impact on customer loyalty; corporate social responsibility has a direct and positive impact on customer’s word-of-mouth; electronic word-of-mouth has a direct and positive impact on customer loyalty; and finally, corporate social responsibility has an indirect impact on customer loyalty through customer’s electronic word-of-mouth.

Acknowledgment
The author would like to thank all the customers who completed the survey. The author would like to thank all parties and the Banking University of Ho Chi Minh City for their excellent support and assistance in completing this research.

The objective of this study was to examine the determinants that impact the inclination of Generation Z individuals to use QR Pay in the context of Vietnam following the COVID-19 pandemic. In order to gather the necessary data, this study conducted a survey among a sample of 415 individuals who were customers of the relevant service or product. The survey was conducted using the Google Forms platform from September 2022 to January 2023, employing a convenience sampling approach. This paper constructed a research model utilizing the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) frameworks. Then, it analyzed the data using partial least squares structural equation modeling (PLS-SEM). Principal findings indicate that attitude, COVID-19 impact, personal innovativeness, perceived compatibility, perceived ease of use, perceived usefulness, and social influence are significant determinants of Vietnamese Gen Z’s intention to adopt QR Pay. This study provides valuable insights into the factors affecting Gen Z customers’ behavior toward technology adoption in Vietnam under the shadow of the COVID-19 pandemic. The findings can benefit business managers and policymakers, as they can better understand the factors that influence customers’ technology adoption and develop effective strategies to enhance customers’ acceptance of technology.

Acknowledgment
The author wishes to convey heartfelt gratitude to all consumers who took the time to complete the survey. Furthermore, heartfelt gratitude is extended to all parties involved, as well as the Ho Chi Minh City University of Banking, for their incredible support and help, which contributed considerably to the completion of this study.

Digital banks must promote on social media to attract tech-savvy young consumers who use social media extensively. Creating brand loyalty among digital banking customers is necessary to increase retention and motivate them to spend more with the preferred financial brand. This study investigates the impact of social media marketing on brand loyalty and continued usage intentions among young Vietnamese digital banking service consumers. This study employed a quantitative methodology, with a five-point Likert scale questionnaire administered online via non-probability sampling. The sample comprised 244 Vietnamese consumers aged 18 to 35, representing the young consumer segment. The data were analyzed using partial least squares structural equation modeling (PLS-SEM). The results indicate that exposure to social media marketing substantially positively impacts brand loyalty. It was discovered that brand loyalty positively influences the intention to continue using the same digital banking provider. However, social media marketing did not influence continued usage intentions directly. Instead, brand loyalty mediated the positive relationship between social media marketing and future digital banking service usage intentions. The findings have important implications for digital banks’ customer engagement and branding strategies to establish long-lasting relationships with the crucial youth demographic via social media platforms.

Acknowledgment
The author wishes to express sincere appreciation to all respondents who completed the survey. In addition, profound appreciation is extended to all involved parties, as well as the Ho Chi Minh University of Banking, for their tremendous support and assistance, which contributed significantly to the completion of this research.

This bibliometric study examines publication trends, influential works, authorship networks, conceptual themes, and future directions in knowledge management research within the banking sector over the past three decades. Data were collected from a total of 443 scholarly publications written in English and indexed in Scopus. The data collection period spanned from 1994 to 2023. Quantitative bibliometric analysis techniques were employed, which involved the use of temporal visualization to examine publication and citation patterns, mapping co-authorship networks, and clustering high-frequency keywords. The results suggest a consistent rise in research interest and output as time progresses. Influential publications have proposed various models and frameworks for knowledge management, risk analysis, and organizational change. The majority of prolific authors were primarily of European descent, and it is worth noting that the Journal of Knowledge Management held the position as the most influential publication venue. The core research focus encompassed various areas such as knowledge for competitive advantage, intellectual capital measurement, knowledge-performance links, customer relationship management, and knowledge management technologies. The research has evolved to encompass digital transformation, sustainability, automation, and analytics. Proposed future directions include an examination of the role of knowledge management in ensuring continuity during crises, the facilitation of risk management through knowledge systems, and the development of decision support based on knowledge. This study offers valuable insights into the development of knowledge management research in the banking sector, although it is limited to English sources in Scopus.

Acknowledgment
Expressing gratitude towards those who have contributed to the successful completion of a study has significant importance. In particular, it is crucial to extend appreciation to the individuals affiliated with the Ho Chi Minh University of Banking for their valuable support and assistance during the research endeavor.

This bibliometric study seeks to analyze the intellectual structure and development of green finance research over a nearly 30-year period. Using Scopus data, a comprehensive analysis of 1,487 English-language publications on green finance was conducted. The scope of the analysis spans the years from 1997 to 2024. The analysis investigates numerous facets of green finance scholarship, such as publication and citation trends, influential works, authorship networks, geographic concentrations, conceptual links, and developmental phases. Since 2015, the number of publications and citations has increased significantly, indicating a significant rise in academic and industry interest. China is the leader in terms of research output and influence, demonstrating its dominance in the field. However, it is essential to note that other Asia-Pacific countries, such as Japan and Malaysia, have also made significant contributions to the field. Public policies, government initiatives, and the participation of the private sector are crucial to accelerating green investments and promoting sustainability, as evidenced by numerous citations to scholarly works on the subject. The study investigates a number of prospective future research avenues, including green bonds, green credit policies, green investment, green financial regulation, and green financial technology applications. Despite its heavy reliance on English-language Scopus sources, this quantitative longitudinal mapping provides valuable insights into the emergence and evolution of green finance as a significant multidisciplinary research field.

Acknowledgment
It is essential to express gratitude to all those who contributed to the success of this study, particularly those at the Ho Chi Minh University of Banking, Vietnam.

This study examines the level of knowledge, use, and determinants determining the adoption of Apple Pay among Generation Z customers in Vietnam. An online survey with 339 participants aged 18-26 was done using quantitative methods. The participants were recruited using social media platforms. The study model included elements from technological acceptance theories, such as effort expectation, perceived risk, perceived value, and convenience. The measurements were ensured to be reliable and genuine. The hypotheses were tested by analyzing the data using partial least squares structural equation modeling. The study’s results suggest that the data collected through PLS-SEM analysis provide evidence in support of the hypotheses proposing that factors such as Mobile User Skillfulness, Personal Innovation, Perceived Usefulness, Effort Expectation, Convenience, and Perceived Value have a positive influence on individuals’ Intentions to Use Apple Pay in Vietnam. Furthermore, the study revealed that the variables of Perceived Risk and Social Image did not have a statistically significant influence. The findings suggest that the pragmatic orientation of Generation Z towards the functionality and ease of use of Apple Pay has a significant impact on their adoption of this payment system in Vietnam. The study offers banks in Vietnam significant insights regarding the promotion of mobile wallet adoption among the younger demographic. Adoption may be increased by presenting Apple Pay as a practical and convenient application.

Acknowledgment
The author would like to thank everyone who filled out the survey. Without the help of everyone involved and the Ho Chi Minh University of Banking (Vietnam), this study would not have been possible. 

This study examines the role of influencer marketing for banks in Vietnam with the objective of reaching to the demographic of young customers between the ages of 18 and 35. A quantitative methodology was utilized in this study, which involved the distribution of an online survey to a total of 732 young banking consumers in Vietnam. The data were analyzed using partial least squares structural equation modeling (PLS-SEM). The results indicated significant positive indirect effects on the intention to use influencer marketing in relation to influencer credibility, trustworthiness, expertise, friendliness, similarity, and attractiveness. The impacts mentioned were mediated by the individual’s attitude toward the influencer. Favorable attitudes toward an influencer boosted respondents’ intention to use endorsed banking products/services. Similarly, positive attitudes toward influencers directly increased usage intentions. The results offer innovative empirical proof that partnering with influencers on social media can serve as a successful marketing tactic for banks to positively impact the acceptance of their services among young consumers in Vietnam’s digital landscape. The study provides practical recommendations for banks to effectively identify and collaborate with influencers who have the strongest appeal to youth target audiences.

Acknowledgment
I would like to express my gratitude to those of you who took part in the survey and to the Ho Chi Minh University of Banking for their assistance in enabling me to finish my research.

This bibliometric analysis aims to delineate the progression of research in the domain of digital marketing by examining 513 English-language articles published in Scopus during the period of 2003–2024. An examination of scholarly productivity indicates an upward trend, as evidenced by the increase in publications from one in 2003 to 115 in 2022 and citations from 79 in 2003 to 1131 in 2021, as determined by keyword, citation, and authorship analyses. A review of citation patterns reveals that publications with significant impact are primarily found in prestigious academic journals, such as Industrial Marketing Management and International Journal of Research in Marketing. Prominent contributors hail from Jordan, Finland, Spain, the United Arab Emirates, and Saudi Arabia; among other regions – the United States, the Middle East, Europe, and Asia. Keyword analysis revealed an emphasis on emerging technologies such as artificial intelligence and traditional digital marketing techniques (e.g., social media, content marketing, internet marketing). Co-occurrence theme analysis highlighted digital marketing strategy, digital marketing audiences, the digital transformation of business and marketing, and the acceleration of digital adoption as a result of COVID-19. Further areas of investigation encompass optimizing the utilization of emergent social media platforms, implementing virtual and augmented reality technologies to enhance the customer experience, and capitalizing on the potential of artificial intelligence and machine learning to augment the efficacy of digital marketing. By utilizing data-driven insights, this study offers guidance for curricular enhancements, scholarly agendas, and digital marketing practice.

Acknowledgment
The author thanks everyone who helped make this study possible, but especially those at the Ho Chi Minh University of Banking, Vietnam.

This bibliometric analysis examines the evolution of academic research on banking risk management over the past four decades. The research maps publication trends, influential works, authorship, geographical distribution, conceptual themes, and future research directions using quantitative analysis of 286 English-language articles from the Scopus database. Since the 1990s, publication output and citations have been on the rise, with peaks in 2012 and 2019, indicating a rise in scholarly interest. The focus of research has expanded beyond credit risk to include operational, liquidity, and other key risks. Governance and culture are also expanding areas of emphasis. Geographic diffusion is revealed by bibliometric mapping, shifting from the early dominance of U.S. and European scholars to the increasing contributions of Asia and other emerging economies. Analysis of frequently occurring keywords illustrates the importance of fundamental risk management concerns. Six conceptual domains are identified by cluster analysis: operational risks, governance, liquidity risks, commercial bank risks, credit risks and performance, and market risk interactions. Based on the bibliometric analysis and research findings, three promising future research directions are proposed: the impact of pandemics and natural disasters on bank risk management; emerging threats such as cybercrime and climate change; and the impact of risk culture and governance on outcomes.

Acknowledgment
It is crucial to recognize everyone who contributed to the success of this study, notably the Ho Chi Minh University of Banking, Vietnam.