About the Authors

Minh Phuong Nguyen

Contributed equally to this work with: Minh Phuong Nguyen, Anh Phan

Roles Data curation, Investigation, Methodology, Resources, Software, Writing – original draft, Writing – review & editing

Affiliation Faculty of Banking, Banking Academy of Vietnam, Hanoi, Vietnam

Anh Phan

Contributed equally to this work with: Minh Phuong Nguyen, Anh Phan

Roles Conceptualization, Formal analysis, Funding acquisition, Project administration, Supervision, Validation, Visualization, Writing – original draft, Writing – review & editing

phananh@hvnh.edu.vn

Affiliation Banking Research Institute, Banking Academy of Vietnam, Hanoi, Vietnam

Competing Interests

The authors have declared that no competing interests exist.