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Balancing resources: Returns and the digital transformation of Vietnam’s banking sector . The Economics and Finance Letters, [S. l.], v. 13, n. 1, p. 95–104, 2026. DOI: 10.18488/29.v13i1.4783. Disponível em: https://archive.conscientiabeam.com/index.php/29/article/view/4783. Acesso em: 19 aug. 2026.