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

In: The Vietnamese Economy and the Fourth Industrial Revolution

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  • Vo Duy Luong
  • Xuan Vinh Vo

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.

Suggested Citation

  • Vo Duy Luong & Xuan Vinh Vo, 2026. "Research on Employees’ Perceptions of Banking Activities in the Context of Digital Transformation in Vietnam," World Scientific Book Chapters, in: Dong Phong Nguyen & Dinh Thanh Su & Quang Hung Bui & Bich Nguyet Phan Thi & Viet Tien Ho & Nguyen Ph (ed.), The Vietnamese Economy and the Fourth Industrial Revolution, chapter 1, pages 3-26, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789811262258_0001
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    JEL classification:

    • P2 - Political Economy and Comparative Economic Systems - - Socialist and Transition Economies

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