{"id":9304,"date":"2020-08-15T10:00:32","date_gmt":"2020-08-15T03:00:32","guid":{"rendered":"http:\/\/b-company.jp\/?p=9304"},"modified":"2024-06-24T10:58:50","modified_gmt":"2024-06-24T03:58:50","slug":"emerging-personal-finance-applications-in-vietnam","status":"publish","type":"post","link":"https:\/\/b-company.jp\/ja\/emerging-personal-finance-applications-in-vietnam\/","title":{"rendered":"\u30d9\u30c8\u30ca\u30e0\u306b\u304a\u3051\u308b\u65b0\u8208\u306e\u500b\u4eba\u5411\u3051\u91d1\u878d\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3"},"content":{"rendered":"

Technology-based Personal Finance Solution is a rising trend in the dynamic fintech market in Vietnam. From nearly 400.mil USD market value in 2017, it expects to have a CAGR of 31,2% during the period 2017 \u2013 2025 to reach 24% of total fintech market share in 2025, according to a report by consulting firm Solidiance.<\/p>\n\n\n\n

A survey conducted in May 2020 by B&Company on its online survey platform BEAN Survey with 484 respondents above 18 y.o shows that demand for Personal Finance activities are significant with 56% of respondents wanting to track and manage their expenses. Respondents also shared desire to get advice on personal finance investment (32%) and obtain loans for consumption purposes (31%).<\/p>\n\n\n\n\n\n\n\n

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\"\"<\/figure><\/div>\n\n\n\n
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\"\"<\/figure><\/div>\n\n\n\n

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The survey also points out one big challenge for these apps is how to drive consumers\u2019 habits and become more attractive to prospective customers. Many respondents who track expenses prefer using other alternatives, such as tracking expenses on e-wallet (75%) or on banks\u2019 applications (67%). 43% of respondents who know but do not use expense management applications have said that they are curious but not yet see any clear benefits to start using. Current app users consider many app-selecting factors such as information security (76%), fees (59%), app\u2019s processing speed (61%), features (60%) and interface (49%), and language used in the app which makes foreign apps less advantaged than Vietnamese ones (41%). <\/p>\n\n\n\n

P2P Lending\u30a2\u30d7\u30ea\u306f\u3001\u30d9\u30c8\u30ca\u30e0\u306e\u500b\u4eba\u5411\u3051\u878d\u8cc7\u5e02\u5834\u3067\u5f37\u3044\u6f5c\u5728\u529b\u3092\u4f34\u3063\u3066\u767b\u5834\u3057\u305f\u3082\u306e\u306e\u3001\u653f\u5e9c\u898f\u5236\u306b\u3088\u308a\u9589\u9396\u304c\u691c\u8a0e\u3055\u308c\u3066\u3044\u307e\u3059<\/h3>\n\n\n\n

The second most popular type of Personal Finance Application, according to B&Company survey, is P2P lending. The ease to access small-size consumer loans through P2P lending applications without complicated requirements and procedure is expected to be a big help for people, especially for the unbanked, which is about 37% of Vietnamese adults as of 2018, according to the State Bank data.<\/p>\n\n\n\n

3\u5e74\u524d\u306b\u767b\u5834\u3057\u3066\u4ee5\u6765\u3001\u73fe\u5728\u30d9\u30c8\u30ca\u30e0\u3067P2P\u878d\u8cc7\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3068\u79f0\u3059\u308b\u4f01\u696d\u306f\u7d0440\u793e\u3042\u308a\u3001\u500b\u4eba\u9593\u878d\u8cc7\u3068\u500b\u4eba\u5bfe\u4f01\u696d\u878d\u8cc7\u304c\u542b\u307e\u308c\u307e\u3059\u3002B&Company\u306e\u8abf\u67fb\u3067\u306f\u3001\u500b\u4eba\u9593P2P\u30a2\u30d7\u30ea\u306e\u4e2d\u3067\u3082\u7279\u306b\u4eba\u6c17\u304c\u9ad8\u3044\u3082\u306e\u3068\u3057\u3066\u3001MoneyBank\u3001Vaymuon\u3001Tima\u3001Interloan\u3001Finn\u306a\u3069\u3001\u30d9\u30c8\u30ca\u30e0\u88fd\u306e\u30a2\u30d7\u30ea\u304c\u6319\u3052\u3089\u308c\u3066\u3044\u307e\u3059\u3002.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

However, P2P lending service is not fully regulated in Vietnam since the legal framework for P2P lending is still under development by the State Bank of Vietnam. Recently, the companies in the field usually register as investment consultancy firms instead of financial institutions. In some cases, the companies which claim itself as P2P lending charge exorbitant interest rates, high uninformed fees, or resort to threatening tactics, harassment, and even violence to recover loans, which is considered as black credit. These downsides make the market look misleading and consumers may feel aversion to online lending applications. The B&Company survey result indicates that the reason for 67% of respondents who know but not use P2P lending apps is due to the fear of black credit impersonating P2P lending.<\/p>\n\n\n\n

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B&Company\u306e\u8abf\u67fb\u3067\u6700\u3082\u4eba\u6c17\u306e\u4f4e\u3044\u500b\u4eba\u5411\u3051\u91d1\u878d\u30a2\u30d7\u30ea\u306f\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3067\u3042\u308b\u3002\u7c73\u56fd\u3001\u30c9\u30a4\u30c4\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u306e\u3088\u3046\u306a\u5148\u9032\u7684\u306a\u91d1\u878d\u5e02\u5834\u3067\u306f\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u306f\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3001\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u53c2\u5165\u3059\u308b\u8cc7\u91d1\u6d88\u8cbb\u578b\u306e\u7af6\u4e89\u3068\u306a\u3063\u3066\u3044\u308b\u3002\u3057\u304b\u3057\u3001\u30d9\u30c8\u30ca\u30e0\u3067\u306f\u4e8b\u60c5\u304c\u7570\u306a\u308a\u3001\u3053\u306e\u6982\u5ff5\u306f\u4f9d\u7136\u3068\u3057\u3066\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u304b\u306a\u308a\u65b0\u3057\u304f\u3001\u5148\u99c6\u7684\u306a\u4e8b\u696d\u8005\u304c\u6570\u793e\u898b\u3089\u308c\u308b\u7a0b\u5ea6\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n

2017\u5e745\u6708\u3001Techcombank\u306e\u5b50\u4f1a\u793e\u3067\u3042\u308bTechcom Securities\uff08TCBS\uff09\u306f\u3001TCWealth\u3068\u3044\u3046\u540d\u79f0\u306e\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3092\u30d9\u30c8\u30ca\u30e0\u5e02\u5834\u306b\u6295\u5165\u3057\u305f\u6700\u521d\u306e\u4f01\u696d\u3068\u306a\u3063\u305f\u3002\u540c\u5e74\u3001\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u306eFinhay\u306f\u3001\u308f\u305a\u304b$2\u304b\u3089\u500b\u4eba\u6295\u8cc7\u3092\u59cb\u3081\u3089\u308c\u308b\u30a2\u30d7\u30ea\u3092\u30ea\u30ea\u30fc\u30b9\u3057\u305f\u3002Finhay\u306f\u56fd\u5185\u5916\u306e\u6295\u8cc7\u5bb6\u304b\u3089\u8cc7\u91d1\u8abf\u9054\u306b\u6210\u529f\u3057\u3001KPMG\u306e\u5831\u544a\u66f8\u306b\u3088\u308c\u3070\u30012019\u5e74\u306b\u306f\u4e16\u754c\u306eFintech\u4f01\u696d\u30c8\u30c3\u30d7100\u306e\u4e00\u3064\u3068\u306a\u3063\u305f\u3002.<\/p>\n\n\n\n

Tan Viet Securities JSC\uff08TVSI\uff09\u306eIRA\u3068\u3001BIDV\u306e\u5b50\u4f1a\u793e\u3067\u3042\u308bBIDV Securities\uff08BSC\uff09\u306eiBroker\u304c2019\u5e74\u306b\u76f8\u6b21\u3044\u3067\u5e02\u5834\u306b\u53c2\u5165\u3057\u305f\u304c\u3001\u8abf\u67fb\u7d50\u679c\u306b\u3088\u308c\u3070\u3001\u5e02\u5834\u8a8d\u77e5\u5ea6\u306e\u9762\u3067\u306f\u8ffd\u3044\u4e0a\u3052\u3066\u3044\u308b\u3088\u3046\u3067\u3042\u308b\u3002.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

\u65b0\u3057\u3044\u3068\u306f\u3044\u3048\u3001\u500b\u4eba\u5411\u3051\u6295\u8cc7\u52a9\u8a00\u306e\u9700\u8981\u306f\u6bd4\u8f03\u7684\u9ad8\u3044\u305f\u3081\u3001\u30ed\u30dc\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u30fb\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u306b\u306f\u5927\u304d\u306a\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002\u305f\u3060\u3057\u3001\u73fe\u5728\u306e\u5e02\u5834\u306b\u306f\u9069\u5207\u306a\u30b5\u30fc\u30d3\u30b9\u4f9b\u7d66\u304c\u4e0d\u8db3\u3057\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

\u3055\u3089\u306b\u3001B&Company\u306e\u8abf\u67fb\u7d50\u679c\u306b\u3088\u308c\u3070\u3001\u30d9\u30c8\u30ca\u30e0\u4eba\u306f\u81ea\u52d5\u52a9\u8a00\u306e\u6709\u52b9\u6027\u306b\u9ad8\u3044\u4fe1\u983c\u3092\u7f6e\u3044\u3066\u3044\u306a\u3044\u305f\u3081\u3001\u30e6\u30fc\u30b6\u30fc\u7372\u5f97\u306f\u5bb9\u6613\u3067\u306f\u306a\u3044\u3002\u7279\u306b\u30d9\u30c8\u30ca\u30e0\u91d1\u878d\u5e02\u5834\u306e\u7279\u6027\u3092\u8003\u616e\u3059\u308b\u3068\u3001\u9867\u5ba2\u306f\u8a50\u6b3a\u3084\u60c5\u5831\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u3082\u4e0d\u5b89\u3092\u62b1\u3044\u3066\u3044\u308b\u3002.<\/p>\n\n\n\n

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Hai Ngo<\/em><\/strong><\/p>\n\n\n\n

\u53c2\u7167\uff1a<\/strong><\/p>\n\n\n\n

  1. https:\/\/www.sbv.gov.vn\/webcenter\/portal\/m\/menu\/trangchu\/ttsk\/ttsk_chitiet?leftWidth=0%25&showFooter=false&showHeader=false&dDocName=SBV400281&rightWidth=0%25&centerWidth=100%25&_afrLoop=7500037377906211#%40%3F_afrLoop%3D7500037377906211%26centerWidth%3D100%2525%26dDocName%3DSBV400281%26leftWidth%3D0%2525%26rightWidth%3D0%2525%26showFooter%3Dfalse%26showHeader%3Dfalse%26_adf.ctrl-state%3Dohle8g3gr_1158<\/li>
  2. https:\/\/www.solidiance.com\/insights\/others\/infographics\/disruption-by-fintech-transforming-vietnams-financial-services-ecosystem-1<\/li>
  3. http:\/\/hca.org.vn\/userfiles\/files\/Tham%20luan%20VIO%202019\/06_Slide_Fintech_10_2019_English_final.pdf<\/li>
  4. https:\/\/www.mbs.com.vn\/uploads\/files\/Bao-cao-IB\/1_-Vietnam-fintech-report_22102018.pdf<\/li>
  5. https:\/\/www.allens.com.au\/globalassets\/pdfs\/insights\/asia\/peer-to-peer-lending-in-vietnam.pdf<\/li>
  6. https:\/\/bvsc.com.vn\/NewsTools\/Print.aspx?newsid=732559<\/li>
  7. https:\/\/vietcetera.com\/en\/money-lover-a-vietnamese-built-fintech-mobile-app-going-global\/<\/li>
  8. https:\/\/english.vietnamnet.vn\/fms\/business\/196765\/peer-to-peer-lending-increasingly-popular-in-vietnam.html<\/li>
  9. http:\/\/tapchitaichinh.vn\/ngan-hang\/nhieu-rui-ro-voi-cho-vay-ngang-hang-316916.html<\/li>
  10. https:\/\/cafef.vn\/du-kien-nam-2021-se-cho-thu-nghiem-fintech-trong-do-co-p2p-lending-2020060209381798.chn<\/li>
  11. https:\/\/tinnhanhchungkhoan.vn\/fin-tech\/dich-vu-robo-advisor-danh-chiem-thi-phan-tu-van-tai-chinh-truyen-thong-273072.html<\/li>
  12. https:\/\/forbesvietnam.com.vn\/tin-cap-nhat\/ung-dung-tai-chinh-finhay-nhan-dau-tu-tu-nguoi-dong-sang-lap-acorns-10122.html<\/li><\/ol>","protected":false},"excerpt":{"rendered":"

    \u30d9\u30c8\u30ca\u30e0\u306b\u304a\u3051\u308b\u65b0\u8208\u306e\u500b\u4eba\u5411\u3051\u91d1\u878d\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3 <\/p>","protected":false},"author":3,"featured_media":9055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75],"tags":[1156,1130],"class_list":["post-9304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reports-en","tag-financial-corporate-services-en","tag-retail-en"],"yoast_head":"\nEmerging personal finance applications in Vietnam - B-Company<\/title>\n<meta name=\"description\" content=\"Personal Finance Applications is a rising trend in Vietnam 's dynamic fintech marketand may reach 24% of total fintech market share in 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/b-company.jp\/ja\/emerging-personal-finance-applications-in-vietnam\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Emerging personal finance applications in Vietnam\" \/>\n<meta property=\"og:description\" content=\"Personal Finance Applications is a rising trend in Vietnam 's dynamic fintech marketand may reach 24% of total fintech market share in 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/b-company.jp\/ja\/emerging-personal-finance-applications-in-vietnam\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Company\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-15T03:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-24T03:58:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/b-company.jp\/wp-content\/uploads\/2020\/09\/2008_Finance-App.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"B&Company Vietnam\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u57f7\u7b46\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"B&Company Vietnam\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u63a8\u5b9a\u8aad\u307f\u53d6\u308a\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"6\u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\",\"url\":\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\",\"name\":\"Emerging personal finance applications in Vietnam - 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