The Impact of Income Diversification and Digital Transformation on the Operating Efficiency of Vietnamese Commercial Banks: Evidence from Bibliometric Analysis

Abstract

This study examines the impact of income diversification and digital transformation on the operational efficiency of Vietnamese commercial banks using bibliometric analysis of data from Scopus and Web of Science (2019–2024). The analysis uncovers research trends, collaboration networks, and gaps in the literature concerning these key factors. Findings suggest that income diversification mitigates risks and enhances profitability by expanding non-interest income sources, while digital transformation boosts operational efficiency and strengthens competitiveness.