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All Journal Social Science Learning Education Journal Emerging Science Journal International Journal of Supply Chain Management Journal of Applied Data Sciences
Phan Thanh Tam, Phan Thanh
Lecturer of Lac Hong University (LHU)
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Engineering Environmental Science Industrial & Manufacturing Engineering Social Sciences Transportation

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Journal : Journal of Applied Data Sciences

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Applied Regression Modelling to Recommend Microfinance Development Policies Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.139

Abstract

Microfinance plays an essential role in the socio-economic development of each country through support for poverty reduction. In Vietnam, hunger eradication and poverty reduction under the National Target Program have received attention and implementation in recent years. However, during 2020-2021, Vietnam had several difficulties and hurdles for microfinance organizations, exacerbated by the Covid-19 outbreak, which was hurting the country and all sectors of social life. Microfinance is an excellent instrument for long-term poverty reduction since it teaches the poor how to do business and save and provides essential information. However, microfinance has not yet reached its full potential in our nation. One of the suggested reasons is the legal framework impediment. Thus, the research examines the State's policies for microfinance operations using a survey of 260 staffs related to microfinance activities from 30 microfinance organizations and 30 commercial banks in Vietnam, with data processed using SPSS 20.0. Finally, the study's value suggests ideas for removing barriers to continued microfinance activity development in Vietnam.
An Empirical Analysis of Bank Capital Adequacy Ratio in Vietnam: A Data Science Approach Using System Generalized Method of Moments Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 1: JANUARY 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i1.156

Abstract

Commercial banks and the financial industry face considerable hurdles in light of the fourth Covid-19 outbreak. Commercial banks continuously put capital adequacy measures in place to fulfill Basel regulations. One of the main ways they do this is by issuing bonds, which boost tier 2 capital sources. This helps mobilize capital and assure capital safety for the market's borrowing requirements in the long run. As a result, considering both external and internal variables, this research seeks to investigate what influences the capital adequacy ratio of Vietnam's joint-stock commercial banks. Between 2011 and 2022, the authors combed through data from 25 different Vietnamese joint-stock commercial banks. The authors employed the system generalized method of moments model and other conventional techniques for panel data analysis. The authors derived key findings: Fourteen components are statistically significant at the 1% level, affecting the capital adequacy ratio. Therefore, it is evident that the equity capital of Vietnamese commercial banks has successfully met the required safety standards for assets with credit risk as per legislation. As a result, this assists Vietnamese commercial banks in managing potential losses from credit activities, thus assuring the security of banking operations and protecting depositors. However, the issue suggests policy implications for enhancing Vietnamese commercial banks' future capital adequacy ratio coefficient.
Applying Structural Equation Modeling for Accessing Mobile Banking Service Quality and Customer Satisfaction: A Case Study in Vietnam Huy, Nguyen Quoc; Nga, Lu Phi; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 4, No 4: DECEMBER 2023
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v4i4.137

Abstract

Mobile Banking allows customers to use mobile devices and smartphones to conduct banking transactions anytime, anywhere. On the other hand, Mobile banking is a service product that brings high business efficiency, does not cost much, creates initiative for users, reduces pressure on over-the-counter transactions and has little risk, so developing developing mobile banking services brings great benefits to banks. Therefore, using scientific and technological achievements, particularly information technology, electronics, and telecommunications, has had a significant impact on daily life, the economy, and society, changing people's awareness and production and business methods in a wide range of fields and industries, including financial-banking services. In order to address the aforementioned analytical concerns, the authors performed a survey of 650 individual consumers who use mobile banking services at ten commercial banks in Vietnam. The authors employed structural equation modeling and data processing tools SPSS 20.0, Amos. Customer satisfaction is influenced by five elements, according to the findings: dependability, responsiveness, empathy, competence, and tangibles. The findings of the article had a significant reliability influence on individual customer satisfaction, with a significance level of sig 0.01. Finally, the study uniqueness validates ideas regarding customer satisfaction and service quality drivers, as well as the need of flexibly implementing customer satisfaction research policies.
Applied Regression Modelling to Recommend Green Business Development in Vietnam Nga, Lu Phi; Huy, Nguyen Quoc; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 3: SEPTEMBER 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i3.294

Abstract

The green businesses engaged in environmentally friendly business activities, minimizing negative impacted on the ecosystem and used resources effectively. Green businesses contributed to the country's sustainable development goals and brought practical benefits to the businesses themselves. Therefore, the article aimed to identify the key factors affecting green business development and proposed policy implications for green business development. Based on the study goal, the authors surveyed 400 managers of green enterprises in Vietnam and applied simulation modelling based on the quantitative research method. The findings explored five critical factors affecting green business development: (1) financial incentives, (2) corporate strategy and culture, (3) technological innovation, (4) mechanisms and policies, and (5) regulatory environment. The novelty of this study is that it increased the level of reputation and trust of customers, partners, and the community. Green businesses built a positive brand image to affirm their social responsibility and pioneering role in environmental protection. Green businesses could also attract and retain talent when employees feel proud and attached to the business's mission. A significant benefit of green businesses was their contribution to protecting the living environment for humans and animals. The article’s contributions helped to reduce greenhouse gas emissions, air, water, and soil pollution, reduce waste, and increase energy and resource efficiency. Green business development can also support nature conservation activities, habitat restoration, and biodiversity maintenance. The article's contributions proposed recommendations to management agencies in developing and implementing mechanisms and policies to support and promoted businesses to build in a green direction.
Applying Structural Equation Modelling for Assessing Factors Influencing Innovation Capacity and Business Efficiency Nga, Lu Phi; Huy, Nguyen Quoc; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 3: SEPTEMBER 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i3.295

Abstract

In the context of globalization and competition between businesses in an increasingly fierce international trade environment, participating in production networks and global value chains has become an inevitable requirement for developing each economy, in which business forces play a core and pioneering role. Creativity is critical to achieving significant business success in any business, large or small, in manufacturing, commerce, or service. Implementing innovation and creativity will have a profound and lasting impact on the enterprise's ecosystem. Conversely, companies that fail to innovate risk falling behind and becoming irrelevant in today's rapidly evolving business environment. Therefore, this study aims to analyze the key factors affecting innovation capacity and business efficiency, thereby providing solutions to promote this process. The study applied two methods: qualitative research, conducted through interviews, and focused on ten expert group discussions to adjust the content of observed variables to suit the characteristics of the business. Quantitative research was undertaken in 700 samples of representative managers representing 700 small and medium enterprises to test the model and research hypotheses. The findings show five factors affecting innovation capacity, with a significance of five percent, and innovation capacity affecting business efficiency. This result contributes to academic value and is a reference for research on innovation capacity in Vietnam in the coming years. There are five policy implications and contributions to promoting and building a creative culture in businesses, stimulating creativity and passion. After all, developing an innovative culture in businesses will create the role of individuals and groups with endless intelligence and creative passion for creating unique, different, and valuable products with high added value, significantly contributing to promoting growth in businesses.
Utilizing Structural Equation Modelling to Evaluate Factors Affecting Investment Capital Attraction and Sustainable Development in Vietnam Dai, Do Thi Lan; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 5, No 4: DECEMBER 2024
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v5i4.428

Abstract

Vietnam and several nations globally are facing unparalleled effects of climate change, the progressive exhaustion of natural resources, and the global Covid-19 pandemic alongside non-traditional security threats. These tremendous challenges and occurrences underscore the significance of harmonious and balanced development among the three pillars of economics, society, and the environment. Sustainable development has emerged as an imperative necessity and an unavoidable trajectory in the evolution of human society. This study examines the principal aspects influencing investment capital attraction and sustainable development, consequently offering suggestions to enhance this process. The study employed two methodologies: qualitative research, executed via interviews, and concentrated on 15 economic expert group talks to modify the substance of observable factors to align with the business's features. Quantitative research was conducted on 800 representative managers from three Vietnamese provinces and one city to evaluate the model and research assumptions. The results indicate five elements influencing the attraction of investment capital, with a significance level of five percent, and the attraction of investment capital impacting sustainable development in Vietnam. This contribution enhances academic significance and is a reference for future studies on sustainable development in Vietnam. Five policy implications and contributions exist to advancing sustainable development in Vietnam, fostering innovation and enthusiasm. The novelty of this study is that sustainable development will establish Vietnam's working and living environment by concurrently advancing three dimensions: sustainable economic growth, a prosperous and equitable society, stable cultural diversity, a pristine environment, and preserved resources maintained sustainably. Consequently, a comprehensive framework of ethical principles for sustainable development encompasses the concepts of sustainability across the economic, social, and environmental dimensions.
Applied Structure Equation Model for Policy Suggestions to Develop the Digital Economy in Vietnam Hien, Lam Thanh; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 6, No 1: JANUARY 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i1.525

Abstract

In the current context, promoting innovation in digital economic growth models associated with economic restructuring is a prerequisite for sustainable development. Therefore, the article aims to explore the critical factors influencing the digital economy and proposes policy recommendations for developing the digital economy. The study applies quantitative research methods mainly through actual data surveying of economic experts to evaluate factors affecting the digital economy based on the structural equation model to measure the digital economy in five big cities of Vietnam, including Hanoi, Hai Phong City, Da Nang City, Ho Chi Minh City, and Can Tho City. The data collection strategy involves direct interviews via a structured questionnaire, with a sample size of 800 economic experts, and analysis using SPSS version 20.0 and Amos software. The study's novelty identifies eight critical factors influencing the digital economy at a significance level of 0.01 and eight accepted hypotheses, including (1) Information technology and digital infrastructure, (2) Digital transformation capacity in businesses, (3) Government policies and laws, (4) Human resources, (5) Digital consumer needs and behavior, (6) E-commerce and financial technology, (7) International economic integration, and (8) Market. The findings highlight the significant influence of information technology and telecommunications infrastructure on Vietnam's digital economy. Finally, the authors proposed policy recommendations to enhance the digital economy; moreover, the digital economy is a way of doing business that relies on digital technology and data as its main inputs, operates mainly in a digital environment, and employs information and communication technologies to boost labor productivity, create new business models, and optimize economic structures. This model can be used by agencies, researchers, experts, and economic managers.
Impacting Technology on Employees' Job Performance: A Case Study of Commercial Banks in Vietnam Hien, Lam Thanh; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 6, No 2: MAY 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i2.630

Abstract

Technology is driving rapid transformation in the way people work. Many banks have caught up by introducing technology into their operations and training their personnel to use technology to optimize work productivity. Besides, employee technology competency is one of the most critical issues for organizations, helping them maintain a competitive position in the market. Therefore, the research aimed to measure critical factors impacting on bank employees' job performance and policy recommendations. The methodology of this study applied a structural equation model consisting of five factors: knowledge, attitude, hard skills, soft skills, and technology, and examined the impact of the above factors on tasks, context, and job performance. Data were collected from 900 employees working for 40 branches at 15 commercial banks in Vietnam and processed using SPSS 20.0 and Amos software. After testing the scale’s reliability, convergence, and discrimination, the study's findings showed that the critical factors of knowledge, attitude, skills, and technology positively impact task, contextual, and job performance. In addition, the originality of this research includes the introduction of technological factors into the model, a new factor of the banking industry in the digital transformation period in Vietnam. Based on the results of testing the research model, the authors provided empirical evidence that the career competency framework includes critical factors: knowledge, attitude, skills, and technology that positively impact task performance, contextual performance, and employee job performance. The practical implications of the article proposed management implications to help employees, managers, and policymakers improve employees' knowledge, attitudes, and skills, which play an essential role in performing their duties, and improving job performance in digital competency is one of the required skills in the banking industry.
Applied Data Science for Exploring Human Resource Management Affecting the Competitiveness of Commercial Banks in Vietnam Hien, Lam Thanh; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 6, No 2: MAY 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i2.710

Abstract

Human resource management is crucial in banking operations and is fundamental for maintaining sustainable development and enhancing the competitiveness of commercial banks. The current challenges in human resource management within banking operations provide notable limits that adversely impact competitiveness. This study seeks to identify the elements impacting human resource management in commercial banks in Vietnam and assess their degree of impact. Considering these issues and their influence on human resource management, the authors suggested strategies to enhance human resource management and bolster the competitiveness of banks. This research employs a blend of qualitative and quantitative methodologies. The study included qualitative approaches, utilizing expert techniques and in-depth interviews with 10 bank directors, supplemented by primary data gathered via 350 questionnaires distributed to staff across 10 commercial banks in 10 regions in Vietnam. SPSS 20.0 and Amos software were utilized to measure the extent of influence of the components. The research found six factors: leadership support, training and development of human resources, workplace environment, employee perks and policies, incentive strategies, monitoring, and assessment. The study finds that control and evaluation have the strongest impact on human resource management. Ultimately, the tool assists banks in maintaining adequate human resource management and enhancing competitive positioning. The novelty of this study showed that human resource management affects the competitiveness of commercial banks with a significance of 0.05. Finally, commercial banks should improve digital human resource development software to provide comprehensive management solutions such as AI-driven recruitment platforms, automated performance evaluations, and human resource analytics tools to enhance efficiency, reducing costs and time to perform tasks. Especially helping bank leaders quickly make the right decisions about human resources. Furthermore, human resources management also contributes to the crystallization of corporate cultural values, building and preserving the bank's brand and identity, and is the driving force and goal for the bank's sustainable development.
Applied Data Science for Analyzing the Mediating Role of Digital Transformation Influencing Banking Business Efficiency in Vietnam Huy, Nguyen Quoc; Tam, Phan Thanh
Journal of Applied Data Sciences Vol 6, No 3: September 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i3.807

Abstract

In the context of accelerated digitalization and growing competitive pressures, commercial banks in emerging economies urgently need to enhance internal capabilities to drive innovation and performance. This study investigates how key organizational factors, including employee engagement, leadership style, corporate culture, financial capacity, and management capacity, influence creative innovation and digital transformation and how these, in turn, impact business efficiency in Vietnamese commercial banks. Grounded in the Resource-Based View and Dynamic Capabilities Theory, the research develops and empirically tests a comprehensive structural model using data collected from 942 banking professionals across 30 commercial banks in Vietnam. A mixed-methods approach was employed, combining expert interviews with a large-scale survey. Structural Equation Modeling (SEM) and bootstrapped mediation analysis were used to test 17 hypotheses. The results reveal that all five internal factors positively influence Creative Innovation (CI) and Digital Transformation (DT). Notably, employee engagement and management capacity emerged as the strongest drivers. Creative innovation exerts the most significant direct effect on business efficiency, while digital transformation plays a complementary but weaker mediating role. The findings validate a multi-layered framework linking organizational dynamics to performance, offering novel insights into how banks can align internal resources with strategic goals. This study contributes to the literature by positioning creative innovation and digital transformation as mediators between organizational capabilities and business outcomes. It also provides actionable recommendations for bank executives seeking to enhance operational efficiency through people-centered, innovation-led strategies tailored to the context of emerging markets. Finally, policymakers and bank leaders should implement digital Key Performance Indicators (KPIs), foster employee-led innovation, invest in managerial training, and align human resource incentives with transformation goals to enhance efficiency and resilience in Vietnam's banking sector.
Co-Authors B.ANguyen Thi Bich Thuy, B.ANguyen Dai, Do Thi Lan Dien Vy, Phan Hac, Le Dinh Hien, Lam Thanh Huy, Nguyen Quoc Le Thu Thuy, Le Thu Nga, Lu Phi Nguyen Van Tan, Nguyen Van Phan Dang Ngoc Yen Van, Phan Dang Ngoc Thu, Trang Nguyen Thi