TÁC ĐỘNG CỦA HIỆU QUẢ QUẢN TRỊ NGÂN HÀNG SỐ TỚI PHÁT TRIỂN BỀN VỮNG TẠI CÁC NGÂN HÀNG THƯƠNG MẠI VIỆT NAM
DOI:
https://doi.org/10.59266/houjs.2025.681Keywords:
quản trị ngân hàng số, phát triển bền vững ngân hàng, quản trị chiến lược ngân hàng, hạ tầng công nghệ ngân hàng, bảo mật thông tinAbstract
Nghiên cứu phân tích tác động của hiệu quả quản trị ngân hàng số đến phát triển bền vững tại các ngân hàng thương mại Việt Nam. Dựa trên cơ sở lý thuyết về quản trị ngân hàng số, hiệu quả quản trị và phát triển bền vững ngân hàng, nhóm tác giả tiến hành xây dựng mô hình và giả thuyết nhằm kiểm định mối quan hệ giữa các yếu tố quản trị ngân hàng số và phát triển bền vững. Dữ liệu được thu thập thông qua khảo sát ý kiến của cán bộ, nhân viên tại 15 ngân hàng thương mại, sau đó được xử lý bằng phần mềm SPSS thực hiện phân tích thống kê mô tả và phân tích hồi quy. Kết quả cho thấy các yếu tố quản trị chiến lược (STR), hạ tầng công nghệ (INF), trải nghiệm khách hàng (CEX) và bảo mật thông tin (IS) có ảnh hưởng tích cực và có ý nghĩa thống kê đến hiệu quả quản trị ngân hàng số (EDBM), qua đó góp phần thúc đẩy phát triển bền vững của ngân hàng. Nghiên cứu đồng thời đề xuất các ngân hàng cần tăng cường đầu tư vào hạ tầng công nghệ, cải thiện trải nghiệm khách hàng và củng cố bảo mật thông tin để nâng cao hiệu quả quản trị và phát triển lâu dài.
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