ESG (environmental, social and governance, a framework used to assess an organisation’s business practices and performance on various sustainability and ethical issues) and Digital Transformation (the process of using digital technologies to change a business’s operations, products and services by integrating digital solutions into all areas of the business, which can lead to cultural and technological changes) are emerging issues across different industries, including the banking field. There has been limited research focusing on exploring the linkages between ESG, Digital Transformation and Customer Behaviour in the banking area, especially within developing countries such as Vietnam. Based on this gap, this study analyses and assesses the role of Digital Transformation and ESG on customer behaviour towards brands in the banking sector in Ho Chi Minh City. The research employed the quantitative research methods with the combination of fundamental analytical methods such as statistics, Cronbach’s alpha reliability, Exploratory Factor Analysis (EFA), measurement models and Partial Least Squares Structural Equation Modelling (PLS-SEM). The analysis was based on survey data from 550 customers who are the commercial banks’ current customers and live in Ho Chi Minh City, yielding 514 valid responses. Using SPSS and SMART PLS software, the study provided notable results. Specifically: (1) The component factors of ESG, including Environmental Issues (EN), Social Issues (SO), Government Issues (GO) and Digital Transformation (DT), positively influence Customer Behaviour (CB); (2) The component factors of ESG, including Environmental Issues (EN), Social Issues (SO) and Government Issues (GO), play a mediating role in the relationship between Digital Transformation (DT) and Customer Behaviour (CB).

Small and medium-sized enterprises as the main body of Chinese enterprises should be an important driving force for China's economic development. However, the problems of salary management faced by small and medium-sized enterprises are increasingly hindering their own survival and development. Whether it is standing on the position of the enterprise or the workers, the pay problem is that they are more concerned about the problem, while the remuneration is also an indispensable modern means of competition and incentives. Salary management is not only indispensable content of enterprise human resources, but also the establishment of modern enterprise system, and optimization of the allocation of social resources requirements. Enterprise salary management operation flexibility or not, directly affect the production and operation management, which will affect the long-term development of enterprises. This paper analyzes the problems of salary management in small and medium-sized enterprises (SMEs), such as unreasonable pay system, lack of forward-looking management system, and so on, and analyzes and discusses their own countermeasures.