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Acknowledgements
This research is supported with funding from The German Sparkassenstiftung for
International Cooperation (DSIK).
The authors would like to express their gratitude to Ms Anna Szalwick (DSIK) and Ms
Nguyen Hong Anh (DSIK) for their constructive comments during the report's drafting
process. Gratitude is also extended to Dr Thuy Anh Le (VNU University of Foreign
Languages) for her insightful comments and assistance in data collection. Additionally,
the authors would like to thank all the students and faculty members at VNU University
of Economics, VNU University of Foreign Languages, Banking Academy of Vietnam,
National University of Economics, Union University, and Hanoi University of Science
and Technology for their cooperation in data collection.
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