{"id":4311,"date":"2019-08-15T10:00:39","date_gmt":"2019-08-15T03:00:39","guid":{"rendered":"http:\/\/b-company.jp\/?p=4311"},"modified":"2024-06-21T17:57:45","modified_gmt":"2024-06-21T10:57:45","slug":"cashless-payment-en","status":"publish","type":"post","link":"https:\/\/b-company.jp\/vi\/cashless-payment-en\/","title":{"rendered":"Vi\u1ec7t Nam c\u00f3 m\u00f4i tr\u01b0\u1eddng l\u00fd t\u01b0\u1edfng \u0111\u1ec3 ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"

There are various <\/strong>factors to believe that Vietnam has perfect environment for cashless payment to develop.<\/strong><\/span>
\nThe first factor is the enthusiastic support from the Government as they signed a new policy to encourage cash-free transaction and reduce cash-based deals in the country to less than 10 percent of total market transactions by 2020. In keeping with the plan, at least 70% of water, electronics, and telecommunication service providers will be asked to accept cash-free payments from individuals and households. According to World Bank, in 2017, Vietnam has the lowest bank account ratio among ASEAN with 30.8% of the population aged 15 and above, this means cash still dominates as a payment option because it\u2019s compulsory to own bank accounts to use the cashless payment methods in Vietnam. However, the Government expected this index will increase at least to 70% by the end of 2020. Besides, the end of the 1<\/span><\/sup> quarter of 2019, there are 158 million bank cards issued, increased 16% compared with the 1<\/span><\/sup> quarter of 2018 and more than twice the current population age 15 and up. From 2017 to 2018, transactions made through ATM grew 112% in volume terms to 879 million transactions while transactions via POS accelerated 138% to 208 million transactions.<\/p>\n

<\/p>\n

Another noteworthy factor is its own citizens. As 70% of the population are under 35, they are young, tech-savvy and excited to adapt early technology system. , highest in ASEAN countries while the average ratio is respectively 64.5% and 44.8%. It shows that Vietnam people have become more familiar with cashless payment to use this method in their usual life<\/em>. The rise of E-Commerce in Vietnam contributes in their shift in preference of payment too as they would love to go shopping online more, responded that they shopped online at least once a month and the ratio of people choose cash on delivery as payment option also decreased from 91% (2015) to 70% (2018).<\/p>\n

Together with cashless payment development, mobile payment is also expected to become an emerging market<\/strong>.<\/span>
\nVietnam has high smartphone and internet penetration which are respectively 72% and 57% (2017). Up to 31\/3\/2019, comparing to the same period in 2018, the total transaction value of e-payment increased by 13.46% while it’s 65.81% in terms of the number of transactions. Mobile payment also jumped 97.75% in volume and 232.3% in transaction value. Furthermore, according to a report from PwC asking more than 21,000 users from 27 countries (China, Hong Kong, Russia, Middle East and ASEAN countries), Vietnam holds the biggest growth from 2018 to 2019 in the number of mobile payment users in stores, surged 24% from 37% to 61%.
\nHowever, this market is still early and fragmented with more than 70 players as below, divided into some groups: banks (45), independent mobile payment players (14), internet service (8), MNO (3) and retail & other (3). It\u2019s too soon to determine the market leader.<\/p>\n

Currently, Momo, following a public survey asking more than 800 citizens in Vietnam by Journal of Investment Bridge dated in 2018 April, has surpassed its foreign counterparts Samsung Pay, PayPal and domestic player Bankplus to be most popular mobile payment service providers. Nonetheless, in spite of launching late (2017), giant VNG\u2019s ZaloPay with its eco-system (SNS Zalo, EC Tiki, Entertainment Zing) is expected to be a promising opponent in this market. Other domestic players are also speeding up in the competition with investment from foreign enterprises, some honorable mentions are Hanoi-based VNPay who are financed by the Singapore\u2019s sovereign wealth fund GIC, Payoo and VNPTPay who are funded by South Korea\u2019s UTC Investment and NTT Data.<\/p>\n

Most popular mobile payment service providers in 2018<\/strong><\/p>\n

<\/p>\n

Source: Journal of Investment Bridge<\/em><\/p>\n

Seeing this as an emerging market, overseas mobile payment providers also start joining. In September 2018, Grab – Southeast Asia\u2019s top ride-sharing service signed a partnership with Vietnamese e-wallet service Moca to provide GrabPay and has gained huge recognition. hin this year.<\/p>\n

T\u00f3m l\u1ea1i, Vi\u1ec7t Nam c\u00f3 ti\u1ec1m n\u0103ng l\u1edbn \u0111\u1ec3 ph\u00e1t tri\u1ec3n th\u00e0nh m\u1ed9t x\u00e3 h\u1ed9i kh\u00f4ng ti\u1ec1n m\u1eb7t. M\u1eb7c d\u00f9 \u0111\u00e2y s\u1ebd l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh d\u00e0i v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c tri\u1ec3n khai t\u1eebng b\u01b0\u1edbc \u1ed5n \u0111\u1ecbnh, m\u1ee5c ti\u00eau \u0111\u1ea1t 90% giao d\u1ecbch kh\u00f4ng ti\u1ec1n m\u1eb7t v\u00e0o n\u0103m 2020 d\u01b0\u1eddng nh\u01b0 \u0111\u1ea7y th\u00e1ch th\u1ee9c nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c. Th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n di \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng; tuy nhi\u00ean, do hi\u1ec7n \u0111ang ph\u00e2n m\u1ea3nh v\u1edbi s\u1ef1 tham gia c\u1ee7a nhi\u1ec1u b\u00ean, t\u1ea5t c\u1ea3 ch\u00fang ta \u0111\u1ec1u \u0111ang \u0111\u1eb7t c\u00e2u h\u1ecfi ai s\u1ebd tr\u1edf th\u00e0nh \u0111\u01a1n v\u1ecb d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng.<\/p>\n

L\u00fd Nguy\u1ec5n \u2013 B&Company Inc<\/strong><\/p>\n

Th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft:<\/strong><\/em><\/p>\n

    \n
  1. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam<\/a><\/li>\n
  2. D\u1eef li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi<\/a><\/li>\n
  3. C\u1ee5c Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 Kinh t\u1ebf s\u1ed1 Vi\u1ec7t Nam<\/a><\/li>\n
  4. Nghi\u00ean c\u1ee9u Th\u00e1i \u0111\u1ed9 c\u1ee7a Ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi Thanh to\u00e1n b\u1eb1ng Th\u1ebb Visa 2017 c\u1ee7a VISA<\/a><\/li>\n
  5. Kh\u1ea3o s\u00e1t Global Consumer Insight 2019 c\u1ee7a PwC<\/a><\/li>\n
  6. B\u00e1o c\u00e1o<\/a> t\u1eeb B\u1ed9 K\u1ebf ho\u1ea1ch v\u00e0 \u0110\u1ea7u t\u01b0<\/li>\n
  7. Kh\u1ea3o s\u00e1t c\u1ee7a T\u1ea1p ch\u00ed Investment Bridge<\/a><\/li>\n
  8. Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng k\u00fd ch\u00ednh s\u00e1ch kh\u00f4ng ti\u1ec1n m\u1eb7t c\u1ee7a Tin t\u1ee9c Vi\u1ec7t Nam<\/a><\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

    M\u1ed9t xu h\u01b0\u1edbng gia t\u0103ng v\u1ec1 \u0111i\u1ec1u tr\u1ecb \u1edf n\u01b0\u1edbc ngo\u00e0i c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam<\/p>","protected":false},"author":3,"featured_media":7754,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75],"tags":[1156],"class_list":["post-4311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reports-en","tag-financial-corporate-services-en"],"yoast_head":"\nVietnam has perfect environment to develop cashless payment - B-Company<\/title>\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\/vi\/cashless-payment-en\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vietnam has perfect environment to develop cashless payment\" \/>\n<meta property=\"og:description\" content=\"A rising trend on overseas treatment from Vietnam citizens\" \/>\n<meta property=\"og:url\" content=\"https:\/\/b-company.jp\/vi\/cashless-payment-en\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Company\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-15T03:00:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-21T10:57:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/b-company.jp\/wp-content\/uploads\/2019\/08\/20190815.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\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=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"B&Company Vietnam\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/b-company.jp\/vi\/cashless-payment-en\/\",\"url\":\"https:\/\/b-company.jp\/vi\/cashless-payment-en\/\",\"name\":\"Vietnam has perfect environment to develop cashless payment - 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