About the Authors

Thi Minh Hue Phan

Roles Conceptualization, Data curation, Formal analysis, Investigation, Methodology, Writing – original draft

Affiliation Faculty of Finance and Banking, Ho Chi Minh City Open University, Ho Chi Minh City, Vietnam

Japan Huynh

Roles Conceptualization, Data curation, Funding acquisition, Methodology, Project administration, Writing – original draft, Writing – review & editing

japan.h@ou.edu.vn

Affiliation Faculty of Finance and Banking, Ho Chi Minh City Open University, Ho Chi Minh City, Vietnam

Competing Interests

The authors have declared that no competing interests exist.