Page 511 - ISC PROCEEDINGS 21.4
P. 511

[6]. Frost, J. (2020). The economic forces driving fintech adoption across countries.
                  BIS    Working     Papers,   No.    838.    Bank     for   International    Settlements.
                  https://doi.org/10.2139/ssrn.3530683
                        [7]. Gomber, P., Koch, J.-A., & Siering, M. (2017). Digital finance and FinTech:
                  Current research and future research directions. Journal of Business Economics, 87(5),
                  537–580. https://doi.org/10.1007/s11573-017-0852-x
                        [8]. Government of Vietnam. (2007). Decree No. 35/2007/ND-CP on electronic
                  transactions in banking activities. Hanoi.
                        [9]. Government of Vietnam. (2023a). Decree No. 13/2023/ND-CP on personal data
                  protection. Hanoi.
                        [10]. Government of Vietnam. (2024). Decree No. 69/2024/ND-CP on electronic
                  identification and authentication. Hanoi.
                        [11]. Government of Vietnam. (2025). Decree No. 94/2025/ND-CP on the regulatory
                  sandbox mechanism in the banking sector. Hanoi.
                        [12]. Le, D. M., Pham, T. T., Pham, T. H. N., Luu, G. L., & Pham, T. M. (2025). The
                  impact of digital transformation on the operational efficiency of commercial banks in
                  Vietnam. ISA Journal of Business, Economics and Management, 2(4), 409–419.
                  https://doi.org/10.5281/zenodo.16645863
                        [13]. Ministry of Information and Communications, Vietnam (MIC). (2018–2024).
                  Vietnam ICT Index: Index of readiness for information and communication technology
                  development and application. Hanoi: MIC.
                        [14]. National Assembly, Vietnam. (2022). Law on Anti-Money Laundering No.
                  14/2022/QH15. Hanoi.
                        National Assembly, Vietnam. (2023). Law on Electronic Transactions No.
                  20/2023/QH15. Hanoi.
                        [15]. National Assembly, Vietnam. (2024). Law on Credit Institutions (amended) No.
                  32/2024/QH15. Hanoi.
                        [16]. Prime Minister of Vietnam. (2018). Decision No. 986/QD-TTg approving the
                  Vietnam Banking Sector Development Strategy to 2025, with a vision to 2030. Hanoi.
                        [17]. Prime Minister of Vietnam. (2020). Decision No. 749/QD-TTg approving the
                  National Digital Transformation Programme to 2025, with a vision to 2030. Hanoi.
                        [18]. Prime Minister of Vietnam. (2021). Decision No. 1813/QD-TTg approving the
                  Cashless Payment Development Scheme 2021–2025. Hanoi.
                        [19]. Prime Minister of Vietnam. (2022). Decision No. 06/QD-TTg approving the
                  Scheme on developing the application of population data, e-identification and electronic
                  authentication for national digital transformation 2022–2025, vision to 2030. Hanoi.
                        [20]. Prime Minister of Vietnam. (2025). Decision No. 1131/QD-TTg on the National
                  Strategic Technology List for prioritised research, development and application. Hanoi.
                        [21]. Sahay, R., von Allmen, U. E., Lahreche, A., Khera, P., Ogawa, S., Bazarbash, M.,
                  & Beaton, K. (2020). The promise of fintech: Financial inclusion in the post COVID-19 era.
                  IMF Departmental Papers, 2020(009). https://doi.org/10.5089/9781513512242.087
                        [22]. State Bank of Vietnam (SBV). (2021). Decision No. 810/QD-NHNN promulgating
                  the Banking Sector Digital Transformation Plan to 2025, with orientation to 2030. Hanoi.
                        [23]. State Bank of Vietnam (SBV). (2024a). Decision No. 2069/QD-NHNN on digital
                  human resource development in the banking sector. Hanoi.
                        [24]. State Bank of Vietnam (SBV). (2024b). Report on payment activities and digital
                  banking results 2024. Hanoi.


                                                                                                      510
   506   507   508   509   510   511   512   513   514   515   516