TY  - JOUR
T1  - The Impact of Digital Transformation on Credit Operations in an Emerging Country
A1  - Trang Thi Thu Nguyen
A1  - Huong Thi Thu Tran
A1  - Anh Minh Nghiem
JF  - Journal of Organizational Behavior Research
JO  - J Organ Behav Res
SN  - 2528-9705
Y1  - 2026
VL  - 11
IS  - 2
DO  - 10.51847/zZod7Zp3GT
SP  - 36
EP  - 47
N2  - This study investigates the impact of digital transformation on the credit activities of 25 Vietnamese commercial banks from 2016 to 2024. Utilizing secondary data and panel data regression techniques, specifically the Generalized Least Squares (GLS) model to correct for heteroskedasticity and autocorrelation, the research evaluates how digital transformation (measured by the ICT Index) affects credit expansion and credit risk of commercial banks in Vietnam. The empirical findings reveal a dual positive effect: digital transformation significantly promotes credit capacity while effectively reducing the credit risk of commercial banks in Vietnam. Further analysis demonstrates that human resource infrastructure strongly drives lending expansion, whereas robust technical infrastructure plays a crucial role in minimizing credit risks. However, the study notes that the benefits of digitalization exhibit a lagged effect, requiring time for new system integration, employee training, and cultural adaptation. Based on these results, the research recommends that commercial banks synchronize their investments in both advanced technology and high-quality human capital. Additionally, it urges policymakers and the State Bank of Vietnam to expedite a comprehensive legal framework, including a Regulatory Sandbox, to ensure sustainable banking operations in the digital era.
UR  - https://odad.org/article/the-impact-of-digital-transformation-on-credit-operations-in-an-emerging-country-zp4phi2m1kcpnmy
ER  -