Khang felt a cold knot in his stomach. He was a master of finance, but he was a novice in the digital world.

He clicked his choices with calm precision.

The old guard didn't groan this time. They opened their laptops.

That night, he stayed late. He put on his reading glasses and logged into . He failed the first module. The screen flashed red: "Incorrect. A digital signature requires two-factor authentication. Please review Section 3.2."

Mr. Khang had been a branch general manager at BIDV for eighteen years. He knew the smell of wet banknotes, the weight of a steel safe door, and the precise rhythm of a signature on a loan contract. What he did not know was how to "click the next button."