Duy Van Nguyen Quantitative Analysis Center, Hanoi, Vietnam   9/82 Chua Lang Dong Da District Hanoi, 100000 Vietnam   duynv@qaglobal.edu.vn   http://nghiencuudinhluong.com/   Biographical Sketch: Master Science of Financial management, Sustainability, Customer behavior   Primary Research Focus: Financial management, sustainability, customer behavior, employee behavior   JEL Areas: C : Mathematical and Quantitative Methods E : Macroeconomics and Monetary Economics