Truong, Thanh Cong, Thi Thanh Huong Vu, and Van Phong Nguyen. 2026. “Cybersecurity Risk Governance and Fraud Management in Invoice-Tax Data Sharing for Credit Scoring: A Tripartite Framework for Vietnam”. Journal of Finance - Marketing Research 17 (1enes):82-93. https://doi.org/10.52932/jfmr.v17i1enes.1522.