Embaer do a nice little pamphlet called understanding Vref and Approach speeds. I don't have it with me but will print extracts from work tomorrow. Not withstanding the Approach speed additions which for the E-jets are half the head plus all the gust min 5 max 20 this speed is expected to be lead off so you cross the threshold at Vref and touchdown below Vref.
Important to know that Vref is used to ensure landing climb and approach climb gradients so could be considerably higher than 1.3 or 1.23 Vsr.