Objective: The article's goal is to explore the policy factors affecting the development of digital banking to improve the business efficiency of commercial banks and policy recommendations for developing digital banking services. Method: The study applied qualitative and quantitative approaches to process data through SPSS 20.0 and Amos software. The authors surveyed 750 staffs working for 25 commercial banks in Vietnam. This study used descriptive statistical tools, measuring scales with Cronbach's Alpha for structural equation modeling (SEM). Results: the article's value is to measure the policy factors affecting the development of digital banking to improve the business efficiency of commercial banks. From that,. The article's novelty has three key factors influencing the development of digital banking and business efficiency, with a significance of 1.0 percent. Conclusions: The Fourth Industrial Revolution substantially impacted all aspects of life, and the outbreak of the Covid-19 pandemic worldwide catalyzed the demand for services. The digital platform has been increasing rapidly. As one of the fields that soon caught up with the change of technology, banks quickly approached, changed their business models, organized business, and provided innovative products and services to bring about innovative products and services. Finally, the study's original is to support policymakers and managers of banks in developing digital banking.
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Nga et al. (2023) studied this question.
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