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All Journal Oikonomia Review: Journal of Economics, Management, and Accounting
Trần Văn Nam Trần Văn Nam
Hanoi University of Industry

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Fintech Lending Readiness, Borrower Trust, and Credit Access among Vietnamese SMEs: The Mediating Role of Information Transparency Nguyễn Thị Minh Anh Nguyễn Thị Minh Anh; Trần Văn Nam Trần Văn Nam; Kanya Rattanapong Kanya Rattanapong
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 1 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Abstract

Fintech lending platforms have expanded rapidly across Southeast Asia, promising faster credit decisions and broader access for small and medium-sized enterprises (SMEs) that struggle with conventional collateral-based banking. Even so, many SMEs remain hesitant to rely on digital lenders, and platform usage frequently fails to translate into reliable credit access when borrowers cannot demonstrate credible information, predictable repayment capacity, or procedural transparency. This study examines how fintech lending readiness influences perceived credit access among Vietnamese SMEs through borrower trust and information transparency. Drawing on signaling theory, technology trust perspectives, and information asymmetry logic, the model treats readiness as an operational capability that combines digital preparedness, documentation discipline, and procedural familiarity. Survey data were collected from 418 Vietnamese SMEs across manufacturing, services, and agri-business sectors. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to test direct effects and parallel mediation. The results indicate that fintech lending readiness relates positively to perceived credit access, with borrower trust and information transparency operating as complementary mediators. The findings suggest that digital credit inclusion depends not only on platform availability but also on the borrower’s capacity to present verifiable information and to interpret lending processes confidently. Policy implications emphasize integrating SME digital bookkeeping support with platform governance standards that improve explainability, dispute handling, and fairness perceptions.
AI-Enabled Demand Forecasting Capability, Inventory Resilience, and Operational Performance among Vietnamese Retail SMEs: The Mediating Role of Decision Quality Trần Văn Nam Trần Văn Nam; Lê Thị Hồng Nhung Lê Thị Hồng Nhung
Oikonomia Review: A Journal of Applied Management, Accounting, and Business Strategy Vol. 1 Núm. 2 (2025): Oikonomia Review: Journal of Economics, Management, and Accounting
Publisher : Kalam Practica Media

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Retail SMEs across Southeast Asia increasingly experiment with AI-enabled analytics to improve demand forecasting, yet performance outcomes remain uneven because technology adoption does not automatically translate into better operational decisions. This study examines how AI-enabled demand forecasting capability influences operational performance among Vietnamese retail SMEs through inventory resilience and decision quality. Building on capability theory, information processing logic, and resilience perspectives, the model conceptualizes AI capability as a set of routines that combine data readiness, tool reliability, and managerial interpretive competence. Survey data were collected from 455 Vietnamese retail SMEs that had used digital analytics tools for forecasting or replenishment planning for at least six months. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to test direct effects and parallel mediation. Results indicate that AI-enabled forecasting capability is positively associated with operational performance, with decision quality and inventory resilience operating as complementary mediators. Decision quality strengthens resilience by improving replenishment timing and reducing overreaction to short-term noise. The findings clarify why AI initiatives often fail when data and interpretation routines are weak, and they offer ASEAN-relevant insights for small retailers facing demand volatility and supply disruptions. Practical implications emphasize pairing analytics tools with data governance and managerial training, enabling SMEs to convert forecasts into robust inventory actions.
Co-Authors Kanya Rattanapong Kanya Rattanapong Lê Thị Hồng Nhung Lê Thị Hồng Nhung Nguyễn Thị Minh Anh Nguyễn Thị Minh Anh