Authors
Thanh Nga Thi Tran
Faculty of Finance – Banking, University of Finance -Marketing, Ho Chi Minh City, Viet Nam
Xuân Linh Nguyen Tran
Faculty of Finance – Banking, University of Finance -Marketing, Ho Chi Minh City, Viet Nam
© 2025 Thanh Nga Thi Tran, Xuân Linh Nguyen Tran, published by Central Bank of Montenegro
This work is licensed under the Creative Commons Attribution 4.0 License.