1. Faculty of Finance and Banking, Van Lang University, 69/68 Dang Thuy Tram Street, Ward 13, Binh Thanh District, Ho Chi Minh City 700000, Vietnam
2. Institute for Development and Research in Banking Technology, University of Economics and Law, Ho Chi Minh City 700000, Vietnam
3. Vietnam National University, Ho Chi Minh City 700000, Vietnam
4. Faculty of Mechanical-Electrical and Computer Engineering, School of Technology, Van Lang University, Ho Chi Minh City 700000, Vietnam