Page 27 - Ebook HT QTNHS

The research findings indicate that Vietnam has achieved significant progress in digital
banking development, including a strong increase in user adoption, rapid growth in electronic
transactions, and substantial investments by banks in technological infrastructure. However,
several challenges remain, such as disparities among banks, outdated IT systems, a shortage of
high-tech human resources, legal and regulatory barriers, and regional gaps in digital awareness.
Based on these insights, the article proposes five comprehensive solution groups to enhance the
effectiveness of digital banking development, namely: technological cooperation, infrastructure
modernization, human resource development, legal and regulatory improvement, and promotion
of digital financial inclusion.
Keywords: digital banking, Vietnam, Fourth Industrial Revolution

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