{"id":2705,"date":"2025-05-15T14:36:12","date_gmt":"2025-05-15T06:36:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2705"},"modified":"2025-05-15T14:36:12","modified_gmt":"2025-05-15T06:36:12","slug":"%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%bb%8b%e7%bb%8d%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/15\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%bb%8b%e7%bb%8d%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85\/","title":{"rendered":"Introduction to Vietnam's payment system: from cash to e-wallet"},"content":{"rendered":"<h1>Introduction to Vietnam's payment system: from cash to e-wallet<\/h1>\n<h2>Introduction: the evolution of payment methods in Vietnam<\/h2>\n<p>Vietnam, one of the fastest-growing economies in Southeast Asia, has seen its payment system undergo radical changes over the past decade. The gradual evolution from a traditional society that relied heavily on cash transactions to a digital economy where electronic payments have flourished reflects not only technological advances, but also profound changes in consumer habits and government policies.<\/p>\n<p>In this paper, we will provide a comprehensive analysis of the current status and trends in Vietnam's payment system, focusing on the transition process from traditional cash payments to modern e-wallets. We will explore the key factors driving this change, the current market landscape of the dominant payment methods, and possible future directions.<\/p>\n<h2>Part I: The dominance of traditional cash payments in Vietnam<\/h2>\n<h3>1.1 Historical background and cultural factors<\/h3>\n<p>Cash has long been the dominant medium of exchange in Vietnam. This preference stems from multiple factors:<\/p>\n<ul>\n<li><strong>cultural habit<\/strong>: The tradition of \"seeing is believing\" trade in the Vietnamese South<\/li>\n<li><strong>Inadequate financial infrastructure<\/strong>: Low coverage of bank branches in rural areas<\/li>\n<li><strong>Adaptability to small transactions<\/strong>: Suitable for daily market shopping and hawker trading<\/li>\n<li><strong>The need for privacy protection<\/strong>: Some people are reluctant to leave records of digital transactions<\/li>\n<\/ul>\n<p>According to 2020 statistics, despite the rapid growth of non-cash payments, nearly 80% of daily transactions are still done in cash.<\/p>\n<h3>1.2 Government-driven demonetisation policy<\/h3>\n<p>In recent years, the Vietnamese Government has actively promoted the reduction of the use of banknotes:<\/p>\n<ul>\n<li><strong>Approval of the National Development Plan for Non-Cash Payments in 2017<\/strong><\/li>\n<li><strong>Target set for 2020 to increase non-cash ratio to 50%<\/strong><\/li>\n<li><strong>Tax incentives encourage businesses to accept electronic payments<\/strong><\/li>\n<li><em>Digitisation of utility payments<\/em>Acceleration (utilities, tuition, etc.)<\/li>\n<\/ul>\n<p>These policy measures have significantly accelerated the pace of building a cashless society.<\/p>\n<h2>Part II: Transitional stage of bank cards and bank transfers<\/h2>\n<h3>2.1 ATM network and debit card penetration<\/h3>\n<p>Started in the early 2000s:<\/p>\n<h2>Part II: Transitional stage of bank cards and bank transfers<\/h2>\n<h3>2.1 ATM network and debit card penetration<\/h3>\n<p>In the early 2000s, the Vietnamese banking sector began to roll out ATM networks on a large scale to promote the use of debit cards. The development of the payment system at this stage was characterised by the following:<\/p>\n<ul>\n<li><strong>Increased bank account penetration<\/strong>:: The Government encourages the population to open bank accounts and supports the direct recording of salary payments, social benefits, etc.<\/li>\n<li><strong>POS terminal promotion<\/strong>: Modern retail channels such as supermarkets and shopping malls take the lead in accepting card payments<\/li>\n<li><strong>Cross-border transaction facilitation<\/strong>: Establishment of the National Clearing Centre of Vietnam (NAPAS) for interconnection between different banks<\/li>\n<\/ul>\n<p>However, the popularity of credit cards has been relatively slow. Due to strict credit checks and high processing fees, credit cards are mainly used by middle- and high-income groups. As of 2023, Vietnam will have about 0.8 debit cards per capita and only about 0.15 credit cards.<\/p>\n<h3>2.2 The rise of online banking<\/h3>\n<p>With the increase in internet coverage (more than 75% by 2023), online banking has become one of the key payment tools for urban residents:<\/p>\n<ul>\n<li><strong>Mobile Banking App Functionality Improvement<\/strong>Support for transferring funds, paying bills, investing and managing money, etc.<\/li>\n<li><strong>Pilot rollout of QR code payment<\/strong>: Some commercial banks launch code payment function<\/li>\n<li><strong>Digitisation of cross-border remittances<\/strong> : e.g. MoMo partners with Western Union to offer international money transfers<\/li>\n<\/ul>\n<p>Nevertheless, bank cards and internet banking have yet to fully replace cash transactions - especially in small purchases, where the \"top up first, spend later\" model has yet to take hold. This has created a window of opportunity for the rise of e-wallets.<\/p>\n<hr>\n<h2>Part III:Revolutionary growth of e-wallets<\/h2>\n<p>3.1 Key drivers of market explosion<br \/>\nDemand for mobile payments will be fuelled by smartphone penetration (over 70% by 2023) and a young demographic (under 35 years old accounts for 60%), with key drivers including.<\/p>\n<ul>\n<li><em>policy dividend<\/em> -Central bank eases third-party payment licence restrictions in 2016<\/li>\n<li><em>Entry of foreign tech giants<\/em>-GrabPay\/AirPay fast customer acquisition with the help of a super app ecosystem<\/li>\n<li><em>Local business innovation<\/em>-ZaloPay combines social scenarios, VNPT Pay relies on telecom operators' strengths<\/li>\n<\/ul>\n<p>According to Fitch Solutions data, in 2022, Vietnam's e-wallet users exceeded 40 million, the transaction value of 36% year-on-year growth, the growth rate of Southeast Asia's leading.<\/p>\n<hr>\n<p>Do we need to move on to product-specific analyses (e.g. MoMO's share of the 48% market)? Or do you want to move on to the impact of the regulatory framework on the industry? Please specify where you would like to go deeper so that I can maintain consistency.<\/p>","protected":false},"excerpt":{"rendered":"<p>An introduction to Vietnam's payment system: from cash to e-wallets INTRODUCTION: The evolution of payment methods in Vietnam...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-2705","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u8d8a\u5357\u652f\u4ed8\u7cfb\u7edf\u4ecb\u7ecd\uff1a\u4ece\u73b0\u91d1\u5230\u7535\u5b50\u94b1\u5305 - 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