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contextualised for Vietnam and illustrated with pilot data from 99 business students in Ho
                  Chi Minh City.
                        7.1. Several limitations must be acknowledged
                        The pilot sample is small, non-representative, and drawn from a single institution
                        All measures are self-reported, introducing common method bias
                        The cross-sectional design cannot establish causal relationships
                        The survey does not directly measure digital/AI competencies or behavioural biases
                  (present bias, overconfidence) central to the framework
                        Very high inter-predictor correlations raise multicollinearity concerns in the multiple
                  regression
                        7.2. Directions for future research include:
                        A larger, multi-institutional survey incorporating validated measures of digital skills,
                  self-efficacy (e.g., Bandura's scales), and employer-demand perceptions
                        Longitudinal designs tracking students from university to early career to assess
                  actual (not merely perceived) employability outcomes
                        Experimental or quasi-experimental designs testing behavioural interventions
                  (nudges, career information treatments) in enhancing students' human capital
                  investment
                        Comparative studies across different institutional types, disciplines, and regions
                  within Vietnam and across ASEAN economies.


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