Phan, Bao Trung, Dao Le-Van, Dinh Van Nguyen, and Thi Kim Duyen Nguyen. “Digital Divide on Financial Development in Asia-Pacific Region: The Role of Contextual Factors”. Scientific Annals of Economics and Business (June 11, 2025). Accessed June 14, 2025. https://saeb.feaa.uaic.ro/index.php/saeb/article/view/2860.