Authors
Phan Dien Vy
Faculty of Postgraduate Studies, Ho Chi Minh University of Banking (HUB), Ho Chi Minh City, Vietnam
Phan Thanh Tam
Faculty of Postgraduate Studies, Lac Hong University (LHU), Dong Nai Province, Vietnam
© 2025 Phan Dien Vy, Phan Thanh Tam, published by Oikos Institut d.o.o.
This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.