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Continuous learning in the ai-integrated workplace: an examination of key determinants

Wed, 01 Jan 2025 00:00:00 GMT

Title: Continuous learning in the ai-integrated workplace: an examination of key determinants Author(s): Dang Khoa Nguyen; Thanh Ngan Ngo; Le Bao Ngoc Doan Abstract: AI is reshaping workplace learning, but evidence on how it enables employees’ continuous learning (CL) via cognitive and motivational routes remains scarce in Vietnam. Drawing on Social Cognitive Theory and Self-Determination Theory, we test a model where AI integration in L&D affects CL through AI self-efficacy (ASE) and learning motivation (LM). Survey data from 299 Vietnamese employees across five sectors were analyzed with PLS-SEM and Necessary Condition Analysis (SmartPLS 4.1). AI integration, ASE, and LM each show significant positive effects on CL, with ASE the strongest path. NCA indicates all three are necessary, and AI integration becomes the key bottleneck at higher CL levels. The study links cognitive and motivational mechanisms and urges co-investment in AI infrastructure, AI literacy, and motivating learning design, alongside human-centric upskilling policies. Keywords: AI Integration, AI Self-efficacy, Learning Motivation, Continuous Learning

The impact of AI-Enabled personalization on sustainable fashion consumption behavior: a theory of planned behavior approach

Wed, 01 Jan 2025 00:00:00 GMT

Title: The impact of AI-Enabled personalization on sustainable fashion consumption behavior: a theory of planned behavior approach Author(s): Chu Chung Cang; Tran Mai Dong Abstract: This study develops and empirically tests an integrated model that embeds artificial intelligence-enabled personalization into the Theory of Planned Behavior (TPB) to explain sustainable fashion consumption intention in e-commerce in emerging economies. Artificial intelligence enabled personalization is theorized as an external technological driver of TPB’s belief set - attitude, subjective norms and perceived behavioral control, thereby shaping intention. A survey of 419 Vietnamese Gen Y and Gen Z consumers was analyzed with PLS-SEM. Results show that artificial intelligence-enabled personalization has strong positive effects on attitude, subjective norms and perceived behavioral control, with large effect sizes, and that all three beliefs significantly predict stainable fashion consumption intention; subjective norms is the strongest predictor, followed by attitude and perceived behavioral control. The model demonstrates substantial explanatory power (R square of SFCI = 0.556) and positive predictive relevance. These findings extend TPB by identifying designable, personalized artificial intelligence cues that enhance favorable evaluations, social validation, and perceived efficacy for sustainable choices, particularly salient among young consumers in Vietnam’s digitally mediated market. The study addresses a theoretical gap on integrating artificial intelligence into sustainable consumer-behavior models and offers actionable guidance for leveraging artificial intelligence-enabled personalization to promote responsible consumption. This research addresses theoretical gaps regarding the integration of artificial intelligence technology into sustainable consumer behavior models and offers practical implications for businesses aiming to leverage artificial intelligence to encourage responsible consumer behaviors. Research purpose: To investigate how artificial intelligence-enabled personalization influences attitude, subjective norms and perceived behavioral control within TPB, and how these beliefs, in turn, shape sustainable fashion consumption intention in the context of e-commerce sustainable fashion consumption among Vietnamese Gen Y and Gen Z consumers. Research motivation: While TPB is widely used to predict sustainable consumption, it under-specifies contemporary technological influences. The rapid diffusion of artificial intelligence-enabled personalization suggests a need to integrate artificial intelligence as an external antecedent to TPB beliefs to better explain sustainable choices in digital retail, especially in emerging markets such as Vietnam. Research design, approach, and method: A online survey of Gen Y and Gen Z Vietnamese consumers with sustainable-fashion experience (n = 419) was analyzed using PLS-SEM following a two-stage procedure (measurement and structural models). Main findings: Artificial intelligence-enabled personalization significantly enhances attitude, subjective norms and perceived behavioral control; all three beliefs positively predict sustainable fashion consumption intention, with SN strongest, followed by ATT and PBC. The model explains R² = 0.556 (SFCI) Practical/managerial implications: Retail platforms should configure artificial.intelligence-enabled personalization to (i) improve ATT via personalized sustainability benefits (impact dashboards, life-cycle information), (ii) amplify SN via social proof (community ratings, certifications, KOL cues), and (iii) raise PBC by reducing friction (smart filters, green defaults, transparent ecoscores, AR try-on), making the sustainable option the most convenient default.

Regulatory pressure and lending discipline: evidence from non-performing loan supervision in Vietnam

Wed, 01 Jan 2025 00:00:00 GMT

Title: Regulatory pressure and lending discipline: evidence from non-performing loan supervision in Vietnam Author(s): Thi Lan Nhi Phung; Chi Dat Le Abstract: Although growing concerns have been raised over increasing nonperforming loans (NPLs) in emerging markets, empirical evidence remains limited on the effectiveness of regulations implemented for NPL resolution. This study examines whether the enforcement of the State Bank of Vietnam’s (SBV’s) supervision of NPLs plays a regulatory role in shaping self-disciplinary lending behavior and assesses whether the SBV’s regulatory threshold represents an optimal point for Vietnamese banks.5 Using a threshold regression model and panel data from 27 Vietnamese commercial banks from 2013–2023, we identify an optimal NPL ratio threshold of < 3%, which aligns with the SBV’s supervisory benchmark. The risk–return trade-off becomes invisible when banks maintain NPL ratio under this threshold. However, if NPLs exceed this threshold, Vietnamese commercial banks become more cautious, accepting lower short-term returns and decreasing credit growth, reflecting a disciplinary effect from regulatory oversight. Our main results remain consistent after robustness checks. These results highlight the importance of regulation in mitigating risk and enhancing the stability of the banking system by providing empirical evidence on the effectiveness of the SBV's NPL threshold-based supervision in shaping the self-discipline of bank behaviors in emerging markets. In addition, this study extends signaling theory by identifying a regulatory NPL threshold as a negative signal sent to stakeholders.

Capital structure and its impacts on bank profitability – the case of Vietnam during the Covid-19 pandemic

Wed, 01 Jan 2025 00:00:00 GMT

Title: Capital structure and its impacts on bank profitability – the case of Vietnam during the Covid-19 pandemic Author(s): Thanh An Do; Thi Lan Huong Hoang Abstract: This study investigates the relationship between capital structure and financial performance of Vietnamese commercial banks over the period 2015–2024, with particular attention to the impact of the COVID-19 pandemic. Using a log-linear panel regression model applied to data from 29 banks, the study evaluates how Debt-to-Assets (D/A), Debt-to-Equity (D/E), and Capital Adequacy Ratio (CAR) affect the key profitability indicator: Return on Equity (ROE). The model also incorporates Net Interest Margin (NIM), bank size, state ownership (SOE), and a post-pandemic dummy variable (After_COVID) to capture institutional and macroeconomic influences. The results show that NIM and the post-COVID period are consistently and positively associated with ROE, suggesting that core lending efficiency and strategic adaptation significantly enhance bank profitability. In contrast, D/A has negativel impact on ROE. In addition, D/E, CAR, SOE, and SIZE are not statistically significant, indicating limited explanatory power of traditional capital structure metrics and ownership under Vietnam’s current regulatory regime. The findings provide practical implications for financial managers and policymakers. Research purpose: While extensive literature explores capital structure and profitability in developed markets, empirical evidence from Vietnam remains limited. In particular, the moderating role of state ownership and the regulatory transition to Basel III have not been thoroughly examined, leaving a gap in understanding capital decisions in transitional banking systems. Research motivation: The study adopts a quantitative research design using panel data from 29 Vietnamese commercial banks over the period 2015–2024. Panel regression techniques (OLS, Fixed Effects, Random Effects) were applied, with diagnostic tests ensuring model robustness. Research design, approach, and method: The study adopts a quantitative research design using panel data from 29 Vietnamese commercial banks over the period 2015–2024. Panel regression techniques (OLS, Fixed Effects, Random Effects) were applied, with diagnostic tests ensuring model robustness. Main findings: Results reveal that the debt-to-assets ratio exerts a negative and significant effect on ROE, whereas net interest margin (NIM) and the post-Covid dummy variable positively influence profitability. By contrast, debt-to-equity ratio, capital adequacy ratio, state ownership, and bank size show no significant impact on ROE. Practical/managerial implications: The findings suggest that Vietnamese banks should strengthen liability management by reducing reliance on short-term borrowing and institutionalize resilience strategies developed during the pandemic. Policymakers, meanwhile, should refine capital adequacy regulations and gradually liberalize interest rate ceilings to foster competitiveness without undermining stability