Abstract
This study aims to investigate the impact of digital transformation on profitability and take-risk banking in Vietnamese banks. The study uses fixed effects (FEM) and random effects (REM) regression and of 26 commercial banks (CBs) in Vietnam, during the period 2009–2020. In addition, the study uses the Feasible Generalized Least Square (FGLS) method to overcome autocorrelation and heteroscedasticity phenomena, ensuring the robustness of the model. This study provides empirical evidence on the role of digital transformation on banks’ profitability and take-risk banking. This study extends the current literature on the relationship between digital transformation, banks’ profitability and take-risk banking, focusing on CBs in Vietnam. Given the dominance of a few large banks in the banking system, the study also explores whether the impact of digital transformation on banks’ profitability and take-risk banking varies with size. The study provides statistical evidence on the impact of digital transformation on banks’ profitability and take-risk banking.
Keywords: Digital transformation, Profitability, take-risk banking.
JEL classification: G20, G21, G28.
DOI: 10.63767/TCKT.34.2025.152.160
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Ban biên tập Tạp chí Kinh tế & Quản trị Kinh doanh
Phòng 514, Nhà điều hành, trường Đại học Kinh tế & Quản trị Kinh doanh
Địa chỉ: Phường Tân Thịnh, thành phố Thái Nguyên
Email: tapchikt-qtkd@tueba.edu.vn; Điện thoại: 0208.3903373
