{"id":3095,"date":"2025-05-28T09:45:41","date_gmt":"2025-05-28T01:45:41","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3095"},"modified":"2025-05-28T09:45:41","modified_gmt":"2025-05-28T01:45:41","slug":"%e8%b6%8a%e5%8d%97%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%99%ae%e5%8f%8a%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/28\/%e8%b6%8a%e5%8d%97%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%99%ae%e5%8f%8a%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/","title":{"rendered":"How high is e-payment penetration in Vietnam?"},"content":{"rendered":"<h1>How high is e-payment penetration in Vietnam? A comprehensive analysis of the latest data for 2024<\/h1>\n<h2>I. Overview of the e-payment market in Vietnam<\/h2>\n<p>In recent years, Vietnam's e-payment industry has shown explosive growth. According to the latest report released by the State Bank of Vietnam (SBV), the volume of e-payment transactions in Vietnam in 2023 grew by 49.2% compared to the previous year, with the value of the transactions reaching a staggering VND21.5 trillion (about US$9 billion). The figure marks Vietnam's accelerated move towards a cashless society.<\/p>\n<p>In terms of user size, by the end of 2023, the number of active e-payment users in Vietnam has surpassed 36 million, accounting for nearly 60% of the country's population aged 15 years or older.Among them, the two major cities of Ho Chi Minh City and Hanoi have the highest penetration rates, reaching 78% and 72%, respectively.It is worth noting that the utilisation rate in rural areas has also jumped from under 2019's 10% to 35% in 2023, showing significant progress in financial inclusion.<\/p>\n<p>Among the various types of electronic payment methods:<\/p>\n<ul>\n<li>Mobile wallets hold the largest market share (43%)<\/li>\n<li>QR code payment is the fastest growing (annual growth rate of 112%)<\/li>\n<li>The share of online payment by bank cards stabilised at 28%<\/li>\n<li>Bank transfer app usage rate is 22%<\/li>\n<\/ul>\n<h2>II. Key factors driving up penetration rates<\/h2>\n<h3>(i) Strong government policy support<\/h3>\n<ol>\n<li><strong>National cashless payment programme<\/strong>: The government has set a target of increasing the proportion of non-cash transactions to 50% by 2025<\/li>\n<li><strong>Improved regulatory framework<\/strong>: Revision of the Banking Law to provide legal protection for new payment institutions<\/li>\n<li><strong>Tax incentives<\/strong>: Reduction of 20% VAT for merchants using electronic payments<\/li>\n<\/ol>\n<h3>(ii) High penetration of smartphones<\/h3>\n<p>The statistics show:<\/p>\n<ul>\n<li>72 million smartphone users nationwide (73% of total population)<\/li>\n<li>4G Network Coverage 98% Administrative District<\/li>\n<li>Android devices account for 89% (favourable for local wallet development)<\/li>\n<\/ul>\n<h3>(iii) Innovation-driven local enterprises<\/h3>\n<p>Three local platforms excelled:<\/p>\n<ol>\n<li>MoMo Wallet: over 30 million users (42% market share)<\/li>\n<li>ZaloPay: 25 million users on the back of social software Zalo<\/li>\n<li>ViettelPay: Telecoms background gives it an edge in rural areas<\/li>\n<\/ol>\n<p>International brands such as GrabPay and AirPay have also captured about 15% market share through segmented scenarios.<\/p>\n<h2>III. Analysis of differences in use by age group and region<\/h2>\n<h3>(i) Comparison of age-stratified data<\/h3>\n<table>\n<thead>\n<tr>\n<th>age groups<\/th>\n<th>utilisation rate<\/th>\n<th>main application<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>18<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>IV. Age stratification analysis of e-payment users in Vietnam<\/h2>\n<h3>(i) Comparison of usage characteristics by age group<\/h3>\n<table>\n<thead>\n<tr>\n<th>age groups<\/th>\n<th>utilisation rate<\/th>\n<th>main application<\/th>\n<th>frequency of use<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>18-25 years<\/td>\n<td>92%<\/td>\n<td>Social Red Packet Transfer (65%), Online Purchase Payment (58%), Game Recharge (43%)<\/td>\n<td>3.2 per day<\/td>\n<\/tr>\n<tr>\n<td>26-35 years<\/td>\n<td>88%<\/td>\n<td>Bill Payment (72%), Grocery Shopping (68%), Investing Money (39%)<\/td>\n<td>2.8 per day<\/td>\n<\/tr>\n<tr>\n<td>36-45 years<\/td>\n<td>63%<\/td>\n<td>Tuition Payments (61%), Medical Contributions (55%), Payroll Collections (48%)<\/td>\n<td>4.5 per week on average<\/td>\n<\/tr>\n<tr>\n<td>46 years and over<\/td>\n<td>29% Pension Receipts (82%) Agricultural Procurement (37%) Government Subsidies (28%) Average 6.3 per month<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Data source: Vietnam Digital Wallet Association Q1 Report 2024<\/p>\n<p><strong>younger group<\/strong>High-frequency micro-credit characteristics:<\/p>\n<ul>\n<li>The average single transaction for Generation Z is only 180,000 VND (about $7)<\/li>\n<li>TikTok Shop and other social e-commerce companies drive 'pay-as-you-sweep' habits<\/li>\n<li>E-red packet feature sees traffic spike during traditional festivals 300%<\/li>\n<\/ul>\n<p><strong>Middle and old age groups<\/strong>There are obvious pain points:<br \/>\n- 32% declined due to concerns about network security<br \/>\n- 28% indicates that the operator interface is too complex<br \/>\n- 19% has experienced problems with CAPTCHA reception failures.<\/p>\n<h2>V. Status of urban-rural development disparities<\/h2>\n<h3>(i) Infrastructure comparison<\/h3>\n<table>\n<thead>\n<tr>\n<th>urban area<\/th>\n<th>Rural areas<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>POS terminal density 187 per 10,000 people 23 per 10,000 people<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Bank Correspondent Points 100% Coverage 62% Coverage<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Network latency rate &lt;0.5 seconds 2-3 seconds<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>(ii) Differences in typical application scenarios<\/h3>\n<p><strong>Urban hotspots:<\/strong><br \/>\n- Convenience Store Flash Pay (GrabMart partner shop penetration of 91%)<br \/>\n- Automatic Taxi Deduction (Grab\/Be adoption rate of 79%)<br \/>\n- Payment of condominium property fees (65 per cent VNPAY support in Ho Chi Minh City)<\/p>\n<p><strong>Rural Character:<\/strong><\/p>\n<ol>\n<li>\n<p><strong>Agricultural Acquisition Chain Finance<\/strong><\/p>\n<ul>\n<li>ViettelPay interfaces with 1,700 co-operatives<\/li>\n<li>The \"code to sell rice\" model has covered 83 per cent of grain stations in the Mekong Delta<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Digitalisation of government subsidies<\/strong><\/p>\n<ul>\n<li>Agricultural subsidies disbursed through electronic channels reach VND14 trillion in 2023<\/li>\n<li>Savings in administrative costs over paper issuance 37%<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>VI. Industry penetration rate in-depth analysis<\/p>\n<h3>(i) Current status of applications in core areas<\/h3>\n<p>- <strong>retail trade<\/strong>:<br \/>\n100 per cent of supermarket chains have access to QR codes, but only 12 per cent of stalls in traditional food markets support them.<\/p>\n<p>- <strong>educational organisation<\/strong>:<br \/>\n86 per cent of private schools have online payment, compared to only 29% for public schools.<\/p>\n<p>- <strong>medical service<\/strong>:<br \/>\nTop 20 hospitals all cashless for consultations, but pharmacy system lags (31%)<\/p>\n<h3>(ii) Survey of impeding factors<\/h3>\n<p>Distribution of reasons for feedback from surveyed merchants.<\/p>\n<pre><code class=\"language-mermaid\">pie title Percentage of reasons why merchants refuse electronic payments<br>\r\n\"Excessive handling fees\" :38%<br>\r\n\"Reconciliation complexity\":27%<br>\r\n\"Equipment cost\":19%<br>\r\n\"Cash flow preference\":16%<br>\r\n<\/code><\/pre>\n<p>VII. Development trend forecast for the next three years<\/p>\n<p>1.<strong>Direction of technological innovation<\/strong><br \/>\n-Biometric payments will be the first to be piloted in airport duty-free shops<br \/>\n-The Central Bank Digital Currency (CBDC) is scheduled to be piloted in 2025<br \/>\n-Cross Border Payment Alliance expected to cover 6 ASEAN countries<\/p>\n<p>2.<strong>Market growth expectations<\/strong><\/p>\n<p>As measured by the Boston Consulting Group model:<\/p>\n<pre><code class=\"language-mermaid\">gantt        <br>\r\ntitle Vietnam e-payment market size forecast       <br>\r\ndateFormat YYYY        <br>\r\nSection transaction size      <br>\r\nCash replacement: USD 2024.5 billion      <br>\r\nsection user base      <br>\r\nNumber of active accounts:202,652,000,000     <br>\r\n<\/code><\/pre>\n<p>Conclusion: Despite challenges such as regional imbalance, Vietnam is moving towards a leading digital economy in Southeast Asia with an average annual growth rate of 40+% under the continued support of policy dividends. Overseas enterprises are advised to focus on the demand for scenario-based solutions in second- and third-tier cities.<\/p>","protected":false},"excerpt":{"rendered":"<p>How high is e-payment penetration in Vietnam? A comprehensive analysis of the latest data for 2024 I. 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