Tuan, Dinh Thanh, and Phan Thi Ha Cham. “Factors Affecting the Operational Efficiency of Commercial Banks in Bac Giang, Vietnam”. European Journal of Science, Innovation and Technology 5, no. 1 (February 23, 2025): 103-111. Accessed April 2, 2025. https://ejsit-journal.com/index.php/ejsit/article/view/606.