Cu Nguyen Ha Trang, Tran Linh Anh, Le Minh Anh and Nguyen Thi Thu Huyen (2024) “Digital transformation: The impact of information technology application on the risks of commercial banks”, VNU JOURNAL OF ECONOMICS AND BUSINESS, 4(1), p. 42. doi: 10.57110/jebvn.v4i1.248.