Pham, T. P., H. T. Huynh, B. Popesko, S. D. Hoang, and T. B. Tran. “Impact of Fintech’s Development on Bank Performance: An Empirical Study from Vietnam”. Gadjah Mada International Journal of Business, Vol. 26, no. 1, Jan. 2024, pp. 1-22, https://jurnal.ugm.ac.id/v3/gamaijb/article/view/15825.