Results: the article's value is to measure the policy factors affecting the development of digital banking to improve the business efficiency of commercial banks. This study used descriptive statistical tools, measuring scales with Cronbach's Alpha for structural equation modeling (SEM). The authors surveyed 750 staffs working for 25 commercial banks in Vietnam. Method: The study applied qualitative and quantitative approaches to process data through SPSS 20.0 and Amos software. Objective: The article's goal is to explore the policy factors affecting the development of digital banking to improve the business efficiency of commercial banks and policy recommendations for developing digital banking services. ![]() ![]() Development, digital, banking, business, and efficiency Abstract
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