International Journal of

ADVANCED AND APPLIED SCIENCES

EISSN: 2313-3724, Print ISSN: 2313-626X

Frequency: 12

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 Volume 13, Issue 1 (January 2026), Pages: 84-90

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 Original Research Paper

The impact of information technology adoption on bank efficiency: Evidence from listed Vietnamese banks

 Author(s): 

 Lan Thi Tran *, Lam Thi La, Ha Bich Thi Hoang, Anh Quynh Ho

 Affiliation(s):

 Banking and Insurance Department, Academy of Finance, Hanoi, Vietnam

 Full text

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 * Corresponding Author. 

   Corresponding author's ORCID profile:  https://orcid.org/0009-0000-9341-7937

 Digital Object Identifier (DOI)

  https://doi.org/10.21833/ijaas.2026.01.009

 Abstract

In this study, we examined publicly listed commercial banks in Vietnam from 2014 to 2020 to investigate whether technology development has a non-linear effect on bank efficiency. We measured bank efficiency using Data Envelopment Analysis (DEA). The level of technological development was assessed using the Information Communication Technology (ICT) Index, which is published annually by the Vietnamese government. Consistent with our expectations, the results show an inverted U-shaped relationship between technological development and bank efficiency. This finding provides important insights for banks when planning and allocating their budgets for information and technology investments, particularly in the context of increasing digitalization in the banking sector.

 © 2025 The Authors. Published by IASE.

 This is an open access article under the CC BY-NC-ND license ( http://creativecommons.org/licenses/by-nc-nd/4.0/).

 Keywords

 Bank efficiency, Technology development, Data Envelopment Analysis, ICT index, Digitalization

 Article history

 Received 15 July 2025, Received in revised form 1 December 2025, Accepted 15 December 2025

 Acknowledgment

No Acknowledgment. 

 Compliance with ethical standards

 Conflict of interest: The author(s) declared no potential conflicts of interest with respect to the research, authorship, and/or publication of this article.

 Citation:

 Tran LT, La LT, Hoang HBT, and Ho AQ (2026). The impact of information technology adoption on bank efficiency: Evidence from listed Vietnamese banks. International Journal of Advanced and Applied Sciences, 13(1): 84-90

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 Tables

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