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First Author:
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| Dung viet Tran |
| Banking University Ho Chi Minh City |
| dungtv@buh.edu.vn |
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| 36 Ton That Dam |
| Ho Chi Minh City, 700000, Vietnam |
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| +84901181016(Phone) |
| +84901181016(Fax) |
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Second Author:
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| Trung duc Nguyen |
| Banking University Ho Chi Minh City |
| trungnd@buh.edu.vn |
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Third Author:
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| Chi huu Lu |
| Banking University Ho Chi Minh City |
| luhuuchi.pm@gmail.com |
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