TTLV: Occupational stress for employees of financial technology companies

INFORMATION ABOUT THE MASTER'S THESIS

1. Student's full name:Nham Thi Phuong Thao.2. Gender: Female

3. Date of birth: 13/06/1994                              4. Place of birth:Dong Quan Commune, Hung Yen Province

5. Decision to recognize student number:Decision No. 5626/QD-XHNV dated December 29, 2023 by the Rector of the University of Social Sciences and Humanities, Vietnam National University, Hanoi

6. Changes in the training process:

- Decision on extending the study period for postgraduate students No. 9028/QD-XHNV dated December 23, 2025 By the Rector of the University of Social Sciences and Humanities, Vietnam National University, Hanoi.

7. Thesis title:Job stress among employees of financial technology companies.

8. MajorPsychology;       

9.Code:8310401

10Scientific supervisor:Assoc. Prof. Dr. Pham Thi Thu Hoa – Faculty of Social Sciences and Humanities – Vietnam National University, Hanoi.

11Summary of thesis results: The thesis confirms the suitability of the request model.bridge – control – supportin the industry contextfinance technologyin Hanoi and builterectthe concept of "competence trap"showing asymmetrybetween high skill level and autonomyownerlow. The results show that high psychological demands are the underlying pressure of the entire industry, while powercontrolThis is the most significant factor causing strain, with the "competency trap" being most evident among new employees..Social support is an important protection mechanism, as evidenced by the paradox of group dynamics.financial technology service companyThey have the highest level of social support, despite being at the greatest disadvantage in terms of control.

12Practical applications: The research findings can help Fintech companies redesign jobs towards a more controlled empowerment approach to reduce the "competency trap," especially for new employees..

13Further research directions: Longitudinal research is needed, and the survey sample should be expanded beyond Hanoi using stratified sampling to increase representativeness. A scale measuring digital technology stress and outcome variables such as burnout, performance, and intention to quit should be added.

14.Published works related to the thesis: None

INFORMATION ON MASTER'S THESIS

1. Full name: NhamThi Phuong Thao2. Sex: Female

3. Date of birth: June13, 1994.4.Place of birth: Dong Quan Commune, Hung Yen Province

5. Admission decision number: 5626/QD-XHNV dated December 29, 2023, issued by the Rector of the University of Social Sciences and Humanities, Vietnam National University, Hanoi

6. Changes in academic process: Decision on extending the study period for postgraduate students No. 9028/QD-XHNV dated December 23, 2025, issued by the Rector of the University of Social Sciences and Humanities, Vietnam National University, Hanoi.

7. Official thesis title: Occupational Stress among Employees of Fintech Companies

8. Major: Psychology.  9. Code: 8310401

10. Supervisors: Assoc. Prof. Dr. Pham Thi Thu Hoa – University of Social Sciences and Humanities, Vietnam National University, Hanoi

11. Summary of the findings of the thesis:

The thesis confirms the applicability of the Demand–Control–Support model in the context of the Fintech sector in Hanoi and develops the concept of the "competence trap," reflecting the asymmetry between high skill utilization and low decision latitude. The findings show that psychological demand is a structural, sector-wide baseline pressure, while decision latitude is the strongest factor differentiating stress levels, with the "competence trap" most pronounced among new. Social support emerges as a key protective mechanism, illustrated by the paradox that the outsourced group, despite having the lowest decision latitude, reports the highest level of social support.

12. Practical applicability, if any: The research findings can help Fintech companies redesign job structures toward bounded empowerment in order to reduce the "competence trap," especially for new employees.

13. Further research directions, if any: Future studies should adopt a longitudinal design and expand the sample beyond Hanoi using stratified sampling to enhance representativeness. They should also incorporate measures of digital/technological pressure as well as outcome variables such as burnout, job performance, and turnover intention.

14. Thesis-related publications: None