Research on Employees’ Perceptions of Banking Activities in the Context of Digital Transformation in Vietnam

Vo Duy Luong and Xuan Vinh Vo

Chapter 1 in The Vietnamese Economy and the Fourth Industrial Revolution, 2026, pp 3-26 from World Scientific Publishing Co. Pte. Ltd.

Abstract: The study confirms that digital transformation plays an important role in improving the operational efficiency of banks based on employees’ perceptions. The data sample includes 275 employees working at commercial banks in Ho Chi Minh City and neighboring provinces. Using the FsQCA method, the results show that (i) age and educational level strongly influence the outcomes of digital transformation; (ii) digital transformation is comprehensive, involving three different factors: people, internal factors, and external factors of the bank; (iii) certain configurations help banks overcome potential risks of digital transformation, such as budget constraints, lack of communication, or understanding of new processes; and (iv) digital experience is a key factor in overcoming risks arising from banking regulations and compliance.

Keywords: Vietnamese Economy; Fourth Industrial Revolution; Marketing; Behavioral Economics; Tourism; Management; Consumer Behavior; Ethical Leadership; Female Leadership; Work Motivation; Microfinance; Remittances; Digital Transformation; Business Management Strategies; Globalization; Industrialization (search for similar items in EconPapers)
JEL-codes: P2 (search for similar items in EconPapers)
Date: 2026
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