Phan Thanh Tam, Nguyen Thanh Tam, Nguyen Thi Phuong Thao, Cao Thi Duc Anh, & Do Thi Phuong Anh. (2026). 5. Factors affecting individual customers’ decisions to make online savings deposits at Saigon – Hanoi Commercial Joint Stock Bank, Dong Nai Branch. Tạp Chí Khoa học Lạc Hồng, 1(28), 37–46. https://doi.org/10.61591/jslhu.28.1203