{"id":3060,"date":"2025-05-26T14:01:50","date_gmt":"2025-05-26T06:01:50","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3060"},"modified":"2025-05-26T14:01:50","modified_gmt":"2025-05-26T06:01:50","slug":"%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%8a%80%e6%9c%af%e5%8f%91%e5%b1%95%e8%b7%af%e7%ba%bf%e5%9b%be","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/26\/%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%8a%80%e6%9c%af%e5%8f%91%e5%b1%95%e8%b7%af%e7%ba%bf%e5%9b%be\/","title":{"rendered":"Vietnam Local Payment Technology Development Roadmap"},"content":{"rendered":"<p>Local payments technology development in Vietnam is in a phase of rapid change, driven by the expansion of the digital economy, government policy support, and growing demand for mobile payments among the young population. Below is a key roadmap and trend analysis of payment technology development in Vietnam:<\/p>\n<hr>\n<h3><strong>1. Transition period from cash-led to digital payments (2010-2020)<\/strong><\/h3>\n<ul>\n<li><strong>diagnostic property<\/strong>: Cash is still dominant, but e-wallets and bank cards are beginning to penetrate.<\/li>\n<li><strong>milestone<\/strong>::\n<ul>\n<li>National payments infrastructure upgrades (e.g., NAPAS clearing system).<\/li>\n<li>Rise of local e-wallets such as MoMo and ZaloPay (post-2016).<\/li>\n<li>Harmonisation of QR code standards (VietQR was launched by the Central Bank of Vietnam in 2018).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. Mobile payments explosion and regulatory framework improvement (2021-2025)<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>driving force<\/strong>::<\/p>\n<ul>\n<li><strong>Epidemic catalyst<\/strong>: The demand for contactless payments is surging.<\/li>\n<li><strong>Policy support<\/strong>:: Cashless Payment Development Programme to 2025 (target: 50% of non-cash transactions).<\/li>\n<li><strong>Banking cooperation<\/strong>: eWallets are deeply tied to local banks (e.g. MoMo connects 30 banks).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Progress in key technologies<\/strong>::<\/p>\n<ul>\n<li>QR code popularity: street vendors to chain shops all support scanning code payment.<br \/>\nCross-border interconnection pilot launched.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. Open Banking and FinTech eco-integration (2026+)<\/strong><\/h3>\n<p>Future directions of focus include:<\/p>\n<h4><strong>(1) API Economy and Open Banking<\/strong><\/h4>\n<p>Data sharing through standardised API interfaces.<\/p>\n<h4><strong>(2) Deepening the Super App model<\/strong><\/h4>\n<p>For example, Grab or Shopee integrate multi-scenario services.<\/p>\n<h4><strong>(3) AI-driven wind control upgrade<\/strong><\/h4>\n<h4><strong>(4) CBDC Exploration<\/strong><\/h4>\n<hr>\n<h3><em><strong>challenge<\/strong><\/em><\/h3>\n<p>There is a need to balance the speed of innovation with the control of systemic risk.<\/p>\n<h3><strong>4. Cross-border payments and regional financial integration (2025-2030)<\/strong><\/h3>\n<p>As Vietnam's integration into global supply chains and the ASEAN Economic Community (AEC) deepens, payment technology will expand to cross-border scenarios:<\/p>\n<h4><strong>(1) ASEAN Fast Payment Interconnection (e.g. QR Phased Cross-Border)<\/strong><\/h4>\n<ul>\n<li>Vietnam has piloted code-sweeping mutual recognition with Thailand and Malaysia.<\/li>\n<li><strong>objectives<\/strong>: Realise real-time money transfers to major South East Asian countries within the next five years.<\/li>\n<\/ul>\n<h4><strong>(2) Application of Blockchain in Trade Settlement<\/strong><\/h4>\n<ul>\n<li>Pilot blockchain-based letters of credit (LCs) and supply chain finance to reduce reliance on SWIFT.<\/li>\n<\/ul>\n<h4><strong>(3) Internationalisation of digital identity<\/strong><\/h4>\n<ul>\n<li>The eKYC standard interfaces with the ASEAN Common Framework to support the use of local payment instruments by foreigners.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. Careful advancement of the CBDC (Central Bank Digital Currency) (phased 2026-2035)<\/strong><\/h3>\n<p>The Central Bank of Vietnam (CBV) has initiated a study on the possibility of adopting a \"two-tier operation\" model:<\/p>\n<ul>\n<li><strong>Pilot phase (2026-2028)<\/strong>: Wholesale CBDCs are used for interbank clearing.<\/li>\n<li><strong>Retail phase (2030+)<\/strong>:<br \/>\nCash replacement rate may exceed 30% if successfully rolled out.<\/li>\n<\/ul>\n<hr>\n<h3><em><strong>Key challenges<\/strong><\/em> \ud83d\udea8<\/h3>\n<ol>\n<li><strong>Consolidation of user habits<\/strong>:<br \/>\nRural areas still rely on cash, which needs to be gradually transformed through \"light finance\" scenarios such as recharging phone bills.<\/li>\n<li><strong>Data sovereignty disputes<\/strong>:<br \/>\nForeign tech companies dominate some of the eco-regulatory requirements for localised data storage.<\/li>\n<li><strong>Lagging anti-fraud technology<\/strong>:<br \/>\nBiometric risk control investment needs to increase to deal with new types of fraud such as AI face swapping.<\/li>\n<\/ol>\n<hr>\n<h3><em><strong>Corporate strategy recommendations<\/strong><\/em><\/h3>\n<p>\u2705 <em>traditional banking<\/em> \u2192 Accelerate the opening of API interfaces to avoid being marginalised;<br \/>\n\u2705 <em>newly established enterprise<\/em> \u2192 Focus on B2B verticals (e.g. shipping\/cross-border e-commerce payments);<br \/>\n\u2705 <em>foreign organisation<\/em> \u2192 Must be jointly funded to land and comply with the data provisions of the Cybersecurity Act.<\/p>\n<p>Feel free to point out any analyses that need to be more specific to a particular segment!<\/p>","protected":false},"excerpt":{"rendered":"<p>The development of local payment technology in Vietnam is in a phase of rapid change, fuelled by the expansion of the digital economy,...<\/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-3060","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) - 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