Nguyen, H. and Ho, T. 2022. Factors affecting the willingness to accept digital transformation by small and medium enterprises in Ho Chi Minh City. Science & Technology Development Journal: Economics- Law & Management. 6, 2 (Jun. 2022), 2752-2762. DOI:https://doi.org/https://doi.org/10.32508/stdjelm.v6i2.973.