无现金支付在越南越来越受欢迎

越南的无现金支付正日益普及

153 月2024

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现金交易存在多方面弊端，包括与组织支付活动相关的成本，如印制、运输、保管和清点现金的费用。此外，现金交易往往被用于大额交易中的逃税，并带来盗窃、假币和洗钱等与社会治安相关的问题。为应对这些挑战，相关方面已出台限制现金使用的措施，无现金支付的趋势也正日益普及。.

Efforts to reduce the proportion of cash in total payment methods began to be implemented from 2016 according to Decision 2545/QD-TTg (Project on developing cashless payments in Vietnam during the period 2016 – 2020). However, significant changes in payment behavior occurred during the Covid-19 pandemic when people had to limit direct contact. Despite these efforts, the goal of reducing the proportion to below 10% by the end of 2020 was not achieved, and there was a tendency for it to increase in 2021[1]. Moreover, according to a report on consumer payment trends when shopping online and at physical points of sale by Fidelity National Information Services (FIS) – an American technology company specializing in providing banking and payment processing software and solutions, the percentage of cash payments in individual transactions in Vietnam remained high in 2022. Vietnam ranked third in the Asia region with a rate of 47%, following Thailand (56%) and Japan (51%)[2]. 。无现金支付在民间交易，尤其是在农村和偏远地区，以及在医疗和教育领域，虽已有一定变化，但整体仍相对有限[3]. 。为进一步推动无现金交易增长，政府继续实施2021—2025年无现金支付发展项目（2021年10月28日颁布的第1813/QD-TTg号决定）以及银行业数字化转型计划，展望至2030年[4] (Decision No. 810/QD-NHNN issued May 11, 2021). The goal of reducing the proportion of cash payment to below 10% was achieved as of October 2022 (9.78%), with a steady decrease observed in 2023, reaching the lowest ratio (8.53%) in September 2023.

2015 -2021年现金在总支付方式中的占比（%）

在18—27岁人群中，现金使用习惯发生了显著转变。该群体通常是技术的早期采用者，因此更容易掌握和理解无现金支付方式。他们偏好在线购物和无现金交易，而非传统的线下门店购买。多功能整合和无缝服务使无现金支付对年轻一代而言日益便捷。此外，这种支付方式还能提供清晰透明的折扣券 [7]. 。无现金支付已从年轻群体扩展到其他年龄层，在线上和线下购物活动以及各种日常支付场景中都变得越来越普及。.

尽管无现金支付带来了诸多益处和进步，但也面临一定风险。风险包括个人账户信息被盗等高科技网络犯罪，以及涉及银行账户被入侵的欺诈活动。银行正在部署各种技术解决方案，帮助客户提升安全性并应对利用人工智能实施的新型欺诈，但这仍是一项持续演变的挑战 [8]. 。现金支付无法被完全取代，未来两种支付形式将继续并存。.

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