Nguyen, T. T. H. ., V. L. . Nguyen, M. N. . Nguyen, T. M. N. . Le, and Q. C. . Truong. “Determinants of the Decision to Use Digital Banking Services of Individual Customers at Vietnamese Commercial Banks”. Edelweiss Applied Science and Technology, vol. 9, no. 3, Mar. 2025, pp. 1954-71, doi:10.55214/25768484.v9i3.5722.