Digital transformation remains a passion. Globally, science and technology are transforming businesses to make them more competitive and conducive to sustainable development. However, rapid advancements in financial technology have enabled financial institutions to steal customers from...

As a result of the digital transition's information asymmetry, banks have generated a large number of non-performing loans to maximize profits, therefore endangering financial stability. In a complex and changing market environment, with sluggish economic growth and cross-industry integration,...