情况 越南的移动货币

Vietnam is experiencing a dramatic surge in mobile money adoption, revolutionizing the country’s non-cash payment ecosystem. The Vietnamese government has been actively promoting mobile money as a key driver of cashless transactions, especially in rural, mountainous, and island areas where traditional banking services are limited. Initially piloted nationwide from 2021 to 2023, mobile money services in Vietnam have been extended until December 31, 2024, by Government Resolution 192. This innovative approach to non-cash payments allows customers to use their telecom accounts for various transactions without requiring a bank account, smartphone, or internet connection, significantly boosting financial inclusion across the country.

The growth of mobile money in Vietnam has been impressive. As of May 2024, the country boasts over 8.8 million mobile money users, a 3.3% increase from the previous month. Notably, 72% of these users (6.3 million) are in rural and remote areas, highlighting the service’s success in reaching underserved populations. The number of mobile money acceptance points has also surged to 275,879, marking a 9.56% increase from April 2024. Transaction volumes have reached over 119 million, up 8%, with a total value exceeding 4,462 billion VND, a 7% increase. These statistics underscore the rapid adoption of mobile money as a preferred non-cash payment method in Vietnam[1].

Mobile Money in mountainous areas in Vietnam

来源： https://www.quangninh.gov.vn/so/sothongtinTT/Trang/ChiTietTinTuc.aspx?nid=7492

推动移动货币显著增长的关键因素有几个。首先，智能手机普及率高，到 2023 年，超过 70% 的人口拥有智能手机，这为移动货币服务提供了坚实的基础。其次，新冠疫情加速了向数字支付的转变，许多消费者和企业采用移动货币作为现金的更安全替代品。第三，政府的支持至关重要，政府出台了有利的法规，例如第 23/2020/TT-NHNN 号通函，允许电信运营商提供无需银行账户的移动货币服务。第四，主要电信运营商进入市场，带来了积极的营销和诱人的优惠，进一步推动了用户获取。

移动货币服务提供商

Vietnam’s mobile money landscape is dominated by three major telecom operators: Viettel offers “Viettel Money,” VNPT provides “VNPT Pay,” and MobiFone has launched “MobiFone Money.” These providers have capitalized on their existing telecommunications infrastructure and customer relationships to rapidly deploy mobile money services, offering features such as person-to-person transfers, bill payments, merchant payments, and mobile top-ups.

VNPT’s Mobile Money Service

来源: https://vnpt.com.vn/tu-van/tien-di-dong-o-viet-nam.html

机遇与挑战：探索移动货币格局

越南移动货币的兴起带来了重大机遇和挑战。它可以通过覆盖无银行账户和银行账户不足的人群，特别是传统银行基础设施有限的农村地区，显著改善金融包容性。移动货币的广泛采用可以通过促进更便捷的交易和开辟新的商业机会来刺激经济活动。该行业正在推动金融服务创新，鼓励开发适合当地需求的新产品。此外，服务提供商可以利用交易数据提供个性化金融产品并改善风险评估。

然而，挑战依然存在。随着移动货币使用量的增加，欺诈和网络安全威胁的可能性也在增加，因此需要大量投资于强大的安全措施。将可靠的移动覆盖范围扩大到农村地区仍然是一项挑战，许多潜在用户，尤其是农村地区的用户，可能缺乏充分利用移动货币服务所需的数字和金融知识。

未来展望 移动货币

The future of mobile money in Vietnam looks promising. The government’s commitment to building a digital economy will likely lead to increased investment in digital infrastructure and skills development, further boosting mobile money adoption. According to the government’s National Digital Transformation Program[2]越南的目标是到 2025 年，通过促销活动和针对企业和消费者的激励措施，让 80% 的成年人使用电子支付方式。此外，非现金支付的强劲推动力将继续下去，推广二维码支付和发展国家支付基础设施等举措将创造一个更加互联互通的生态系统。此外，随着越南消费者越来越习惯数字支付，他们的偏好可能会进一步转向移动货币解决方案，因为移动货币具有便利性、速度快以及不同年龄段和不同人群的接受度越来越高的特点。

商业机会

移动货币的增长也为各个商业领域带来了重大机遇。为移动货币服务提供技术支撑的 ICT 企业，包括软件开发商、网络安全公司和电信设备制造商，都有望实现增长。数字化转型咨询公司可以利用移动货币趋势帮助传统企业适应和整合这些支付解决方案。金融科技公司和传统金融机构可以开发创新产品和服务，作为移动货币平台的补充或基础。移动货币的普及可能会促进电子商务的普及，为在线零售商和服务提供商创造机会。

In conclusion, the rapid rise of mobile money users in Vietnam represents a significant shift in the country’s financial landscape. Driven by technological advancements, supportive regulations, and changing consumer preferences, mobile money is poised to play a crucial role in Vietnam’s digital economy.

[1] https://vietnamnet.vn/luong-nguoi-su-dung-mobile-money-tai-viet-nam-tang-nhanh-2300552.html

[2] 决定编号：749/QĐ-TTg

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