The document provides an overview of the fintech sector in Vietnam, including key metrics on digital payments, companies/startups, funding, and consumer adoption from 2017-2022. Some of the key points include: - Digital payment transaction value in Vietnam reached $20.6 billion in 2022 and is estimated to reach $40.5 billion by 2027. - There were 57.6 million digital payment users in Vietnam in 2022, estimated to grow to 79.3 million by 2027. - As of September 2022, there were 263 operating fintech firms in Vietnam, up from 144 in 2018. - In the first 9 months of 2022, fintech funding deals in Vietnam totaled

1. DIGITAL & TRENDS
Fintech in Vietnam

2. Table of Contents
1
01 Overview
03
Value of investment in fintech worldwide in 2019-2022, by region
04
Fintech investments value APAC 2017-2022
05
Fintech transaction value in Vietnam 2017-2027, by segment
06
Fintech users in Vietnam 2017-2027, by segment
02 Companies and startups
08
Number of fintech companies in operation in Vietnam 2018-9M 2022
09
Number of new fintech companies in Vietnam 2018-2022
10
Number of funding deals in the fintech sector Vietnam 2016-9M 2022
11
Fintech deal funding Vietnam 2016-9M 2022
12
Fintech funding breakdown Vietnam 9M 2022, by category
03 Main segment: Digital payments
14
Digital payment transaction value in Vietnam 2017-2027, by segment
15
Number of domestic cashless transactions Vietnam Q1 2022, by payment type
16
Number of domestic transactions via internet and mobile banking Vietnam Q3 2022
17
Value of domestic transactions via internet and mobile banking Vietnam Q3 2022
18
Digital payment users in Vietnam 2017-2027, by segment
19
Number of mobile wallet users Vietnam 2021-2026
20
Number of digital payment funding deals Vietnam 2016-9M 2022
21
Funding value of digital payment deals Vietnam 2016-9M 2022
04 Main segment: Cryptocurrencies
23
Cryptocurrencies awareness and positivity towards crypto Vietnam 2021
24
Cryptocurrency adoption Vietnam 2019-2022
25
Cryptocurrency ownership Vietnam 2022, by age group
26
Cryptocurrency ownership Vietnam 2022, by coin
27
Value of P2P traded Bitcoin Vietnam 2016-2018
05 Consumer perspective
29
E-payment usage among consumers in Vietnam 2022
30
E-payment usage among consumers in Vietnam 2022, by age
31
Most popular e-payment services used among respondents Vietnam 2022
32
Embedded finance apps awareness Vietnam 2022
33
Embedded finance apps usage Vietnam 2022
34
Embedded finance apps usage frequency Vietnam 2022
35
Reasons for using embedded finance apps Vietnam 2022

3. Overview
CHAPTER 01

4. Description: The value of investments in fintech companies in the Americas decreased by 37 percent in 2022, compared to 2021. This was an even bigger decrease than between 2019 and 2020. The value of investments into fintechs showed the same tendency in the EMEA
region, where the total amount of investments dropped to 44.9 billion U.S. dollars from 79 billion U.S. dollars a year earlier. The Asia Pacific region, on the other hand, saw a slight increase in investment activity in the fintech sector. Read more
Note(s): Worldwide; 2019 to 2022
Source(s): KPMG; PitchBook
118.3
68.1
30.4
81.5
28.2
15.2
108.9
79
50.2
68.6
44.9
50.5
0
20
40
60
80
100
120
140
Americas EMEA Asia Pacific
Value
in
billion
U.S.
dollars
2019 2020 2021 2022
3
Value of investment in fintech companies worldwide from 2019 to 2022, by
region (in billion U.S. dollars)
Value of investment in fintech worldwide in 2019-2022, by region

5. Description: In 2022, the total investments into fintech across the Asia-Pacific region amounted to 50.5 billion U.S. dollars. This was a massive increase from 2020, in which 15.2 billion U.S. dollars was invested into the fintech sector in the Asia-Pacific region. Read more
Note(s): Asia, APAC; 2017 to 2022; figures as of December 31, 2022
Source(s): KPMG; PitchBook
13.6
36.9
30.4
15.2
50.2 50.5
0
10
20
30
40
50
60
2017 2018 2019 2020 2021 2022
Value
in
billion
U.S.
dollars
4
Value of fintech investments in the Asia-Pacific region from 2017 to 2022 (in
billion U.S. dollars)
Fintech investments value APAC 2017-2022

6. Description: Transaction value in the digital payments segment of Vietnam reached 20.6 billion U.S. dollars in 2022. By 2027, the Statista Digital Market Outlook estimates transaction value in this segment to reach around 40.5 billion dollars. The digital capital raising segment
is estimated to remain the segments with the lowest transaction value through the observed time period. Neobanking however is expected to grow more than three times its transaction value by 2027, to around 12.6 billion U.S. [...] Read more
Note(s): Vietnam
Source(s): Statista; Statista Digital Market Insights
5.5
7.35
9.63
12.67
17.28
20.62
24.12
27.61
31.59
36.26
40.52
0.01 0.01 0.01 0.09 0.15 0.22 0.31 0.39 0.46 0.52 0.58
0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
0.15 0.39 1
1.94
3.57
5.8
8.37
10.81
12.81
14.42
15.77
0.05 0.12 0.34 0.91
2.24
4.37
6.9
9.07
10.61
11.74 12.64
0
5
10
15
20
25
30
35
40
45
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Transaction
value
in
billion
U.S.
dollars
Digital Payments Digital Assets Digital Capital Raising Digital Investment Neobanking
5
Transaction value of the fintech sector in Vietnam from 2017 to 2027, by
segment (in billion U.S. dollars)
Fintech transaction value in Vietnam 2017-2027, by segment

7. Description: There were 57.6 million users of digital payments in Vietnam in 2022. By 2027, the Statista Digital Market Outlook estimates that the number of users in this segment will grow to 79.3 million. The number of digital investment users in Vietnam will also increase from
2.2 million to 3.9 million during the same time period. Neobanking furthermore is estimated to increase to almost 1.5 million user by 2027. Read more
Note(s): Vietnam
Source(s): Statista; Statista Digital Market Insights
26.27
34.24
39.63
45.61
51.78
57.62
63
66.89
70.91
75.05
79.32
0.16 0.31 0.62 1.03 1.56 2.22 2.85 3.33 3.64 3.82 3.92
0 0 0 0 0 0 0 0 0 0 0
0.84 1.33 2.06 3.08
6.42 8.01 9.27 10.16 10.66 10.96 11.25
0.02 0.03 0.08 0.19 0.42 0.73 1.04 1.27 1.4 1.46 1.49
0
10
20
30
40
50
60
70
80
90
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Number
of
users
in
millions
Digital Payments Digital Investment Digital Capital Raising Digital Assets Neobanking
6
Number of users of the fintech sector in Vietnam from 2017 to 2027, by
segment (in million users)
Fintech users in Vietnam 2017-2027, by segment

8. Companies and startups
CHAPTER 02

9. Description: As of September 2022, there were 263 operating fintech firms in Vietnam. This was the highest number of companies in this sector within the observed timeline. Although Vietnam had a lower number of fintech businesses than many of its ASEAN neighbors, this
number had been growing yearly. Read more
Note(s): Vietnam; 2018 to 9M 2022
Source(s): PwC; Singapore FinTech Association; Tracxn Technologies; United Overseas Bank
144
167
178
249
263
0
50
100
150
200
250
300
2018 2019 2020 2021 9M 2022
Number
of
companies
8
Number of operating fintech companies in Vietnam from 2018 to the first 9
months of 2022
Number of fintech companies in operation in Vietnam 2018-9M 2022

10. Description: In 2022, there were 14 new fintech firms in Vietnam. Compared to the year before, the number of new fintech firms in the country was significantly lower in 2022. In that year, Vietnam had 263 fintech companies in operation. Read more
Note(s): Vietnam; 2018 to 2022
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
32
23
11
71
14
0
10
20
30
40
50
60
70
80
2018 2019 2020 2021 2022
Number
of
companies
9
Number of new fintech companies in Vietnam from 2018 to 2022
Number of new fintech companies in Vietnam 2018-2022

11. Description: In the first nine months into 2022, there were nine funding deals in the fintech sectors in Vietnam. In that year, the total funding amount of these deals reached 211.4 million U.S. dollars. Read more
Note(s): Vietnam; 2016 to 9M 2022
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
4
1
3
9
4
21
9
0
5
10
15
20
25
2016 2017 2018 2019 2020 2021 9M 2022
Number
of
funding
deals
10
Number of funding deals in the fintech sector in Vietnam from 2016 to the first
nine months into 2022
Number of funding deals in the fintech sector Vietnam 2016-9M 2022

12. Description: In the first nine months of 2022, the value of funding of disclosed fintech deals in Vietnam reached 211.4 million U.S. dollars. In that year, the largest funding deal in the country belonged to Sky Mavis, a blockchain in financial services startup, with the funding value
amounting to 150 million U.S. dollars. Read more
Note(s): Vietnam; 2016 to 9M 2022; excluding deals with undisclosed amounts
Source(s): PwC; Singapore FinTech Association; Tracxn Technologies; United Overseas Bank
28.8
3.32 3
403
0
739.31
211.4
0
100
200
300
400
500
600
700
800
2016 2017 2018 2019 2020 2021 9M 2022
Funding
value
in
million
U.S.
dollars
11
Total funding value of fintech deals Vietnam from 2016 to the first 9 months of
2022 (in million U.S. dollars)
Fintech deal funding Vietnam 2016-9M 2022

13. Description: As of September 2022, blockchain in financial services accounted for 71 percent of funding within the fintech sector in Vietnam. In comparison, one percent of fintech funding in the country came from insurtech. Read more
Note(s): Vietnam; 9M 2022
Source(s): PwC; Singapore FinTech Association; Tracxn Technologies; United Overseas Bank
71%
15%
9%
3%
1%
0% 10% 20% 30% 40% 50% 60% 70% 80%
Blockchain in financial services
Investment tech
Banking tech
Alternative lending
Insurtech
Share of funding
12
Breakdown of funding in the fintech sector in Vietnam in the first nine months
into 2022, by category
Fintech funding breakdown Vietnam 9M 2022, by category

14. Main segment: Digital
payments
CHAPTER 03

15. Description: Transaction value in the digital commerce segment of Vietnam reached 18.06 billion U.S. dollars in 2022. By 2027, the Statista Digital Market Outlook estimates transaction value in this segment to reach 35.5 billion dollars. The digital remittances market segment in
contrast had a market value of around 0.04 billion dollars in 2021 and is expected to increase to 0.05 billion by 2025. Read more
Note(s): Vietnam
Source(s): Statista; Statista Digital Market Insights
5.37
6.9
8.73
11.1
15.15
18.06
21.07
24.1
27.59
31.74
35.5
0.12 0.44 0.88 1.55 2.09 2.52 3 3.47 3.95 4.48 4.97
0.01 0.02 0.02 0.03 0.03 0.04 0.04 0.05 0.05 0.05 0.05
0
5
10
15
20
25
30
35
40
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Transaction
value
in
billion
U.S.
dollars
Digital Commerce Mobile POS Payments Digital Remittances
14
Transaction value of digital payments in Vietnam from 2017 to 2027, by
segment (in billion U.S. dollars)
Digital payment transaction value in Vietnam 2017-2027, by segment

16. Description: In the first quarter of 2022, the number of transactions via domestic credit transfer reached over 1.25 billion in Vietnam. In the same period, the value of these transactions reached 45,49 trillion Vietnamese dong in the country. Previously one of the most cash-
dependent countries in Southeast Asia, Vietnam has seen substantial growth in cashless payment usage among its population in recent years. Read more
Note(s): Vietnam; Q1 2022
Source(s): State Bank of Vietnam
1,250.81
181.25
27.83
2.64
0.01
0 200 400 600 800 1,000 1,200 1,400
Credit transfer
Bank card
Others
Direct debit
Check
Number of transactions in millions
15
Number of domestic cashless transactions in Vietnam in1st quarter 2022, by
payment type (in millions)
Number of domestic cashless transactions Vietnam Q1 2022, by payment type

17. Description: In the third quarter of 2022, there were over 1.3 million transactions via mobile banking in Vietnam. In the same period, the value of all these transactions amounted to around 12,195 trillion Vietnamese dong. Read more
Note(s): Vietnam; Q3 2022
Source(s): State Bank of Vietnam
381.81
1,309.53
0
200
400
600
800
1,000
1,200
1,400
Via internet Via mobile banking
Number
of
transactions
in
million
16
Number of domestic transactions via internet and mobile banking in Vietnam
in the third quarter of 2022 (in millions)
Number of domestic transactions via internet and mobile banking Vietnam Q3 2022

18. Description: In the third quarter of 2022, the value of transactions via internet banking in Vietnam amounted to around 13,491 trillion Vietnamese dong. In the same period, there were over 381 million internet banking transactions in the country. Read more
Note(s): Vietnam; Q3 2022
Source(s): State Bank of Vietnam
13,491
12,195
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
16,000
Via internet Via mobile banking
Value
of
transactions
in
trillion
Vietnamese
dong
17
Value of domestic transactions via internet and mobile banking in Vietnam in
the third quarter of 2022 (in trillion Vietnamese dong)
Value of domestic transactions via internet and mobile banking Vietnam Q3 2022

19. Description: There were 57.6 million users of digital commerce in Vietnam in 2022. By 2027, the Statista Digital Market Outlook estimates that the number of users in this segment will grow to 79.3 million. The number of mobile POS payment users will at the same time increase
from 30 million to around 35 million. Read more
Note(s): Vietnam
Source(s): Statista; Statista Digital Market Insights
26.3
34.2
39.6
45.6
51.8
57.6
63
66.9
70.9
75
79.3
5.2
12.4
18.4
25.8
28.6 28.9 30 31.3 32.5 33.8 35
0
10
20
30
40
50
60
70
80
90
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Number
of
users
in
millions
Digital Commerce Mobile POS Payments
18
Number of users of digital payments in Vietnam from 2017 to 2027, by
segment (in million users)
Digital payment users in Vietnam 2017-2027, by segment

20. Description: In 2021, the number of mobile wallet users in Vietnam reached around 24.7 million. This figure is forecast to continue growing to almost 70 million users by 2026. Vietnam's fintech sector has been accelerating fast in recent years. Read more
Note(s): Vietnam; *Forecast. Read more
Source(s): IDC
24.7
67.6
0
10
20
30
40
50
60
70
80
2021 2026*
Number
of
users
in
millions
19
Number of mobile wallet users in Vietnam in 2021, with a forecast for 2026 (in
millions)
Number of mobile wallet users Vietnam 2021-2026

21. Description: In the first nine months into 2022, there was no funding deal in the fintech sector for digital payments in Vietnam. By comparison, in 2022, digital payments was the category with the most funding deals in the fintech sector in the country. Read more
Note(s): Vietnam; 2016 to 9M 2022
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
2
1
2
3
0
5
0
0
1
2
3
4
5
6
2016 2017 2018 2019 2020 2021 9M 2022
Number
of
funding
deals
20
Number of funding deals for digital payments in Vietnam from 2016 to the first
9 months into 2022
Number of digital payment funding deals Vietnam 2016-9M 2022

22. Description: In the first nine months into 2022, the digital payment category in the fintech sector in Vietnam recorded no funding value. In 2021, this category was the most invested segment within the fintech sector of the country, with a total funding value of 550 million U.S.
dollars. Read more
Note(s): 2016 to 9M 2022; excluding deals with undisclosed amounts
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
28.8
3.32 0
400
0
550
0
0
100
200
300
400
500
600
2016 2017 2018 2019 2020 2021 9M 2022
Funding
value
in
million
U.S.
dollars
21
Total funding value of deals for digital payment category in Vietnam from 2016
to the first 9 months into 2022 (in million U.S. dollars)
Funding value of digital payment deals Vietnam 2016-9M 2022

23. Main segment:
Cryptocurrencies
CHAPTER 04

24. Description: According to a survey conducted in November 2021, almost 60 percent of respondents were aware of cryptocurrencies in Vietnam. At the same time, the survey also revealed that a high percentage of Vietnamese respondents regarded cryptocurrencies as a good
investment. Read more
Note(s): Vietnam; November 2021; among internet users
Source(s): finder.com
59%
68%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Awareness Positivity
Share
of
respondents
23
Awareness of cryptocurrencies and investment sentiments among people in
Vietnam as of November 2021
Cryptocurrencies awareness and positivity towards crypto Vietnam 2021

25. Description: According to Statista Global Consumer Survey, around 27 percent of Vietnamese respondents are reported to have owned or used cryptocurrencies in 2022. Vietnam has been among the leading countries for cryptocurrency usage in recent years. Read more
Note(s): Vietnam; 2022; 2,000 or 12,000 respondents per country; 18-64 years; Residential online population, picked "cryptocurrency (e.g. Bitcoin)"
Source(s): Statista Consumer Insights
22%
21%
27% 27%
0%
5%
10%
15%
20%
25%
30%
2019 2020 2021 2022*
Share
of
respondents
24
Share of online population who indicated they either owned or used
cryptocurrencies in Vietnam from 2019 to 2022
Cryptocurrency adoption Vietnam 2019-2022

26. Description: According to a survey conducted in November, the age group aged between 35 to 54 years old had the highest cryptocurrency ownership rate in Vietnam, with the ownership rate reaching 36 percent among the respondents. In comparison, the ownership rate for
cryptocurrencies among people from 55 years old was around 31 percent. Read more
Note(s): Vietnam; November 2022; among internet users
Source(s): finder.com
34%
36%
31%
0%
5%
10%
15%
20%
25%
30%
35%
40%
18-34 35-54 55+
Share
of
respondents
25
Ownership of cryptocurrencies among people in Vietnam as of November
2022, by age group
Cryptocurrency ownership Vietnam 2022, by age group

27. Description: According to a survey conducted in November 2022, Bitcoin was the most popular cryptocurrency to own among Vietnamese internet users, with 31 percent of them claiming to have owned Bitcoin. Ethereum followed as the second most owned cryptocurrency in
the same period. Read more
Note(s): Vietnam; November 2022; among internet users
Source(s): finder.com
31%
26%
23%
21%
0% 5% 10% 15% 20% 25% 30% 35%
Bitcoin
Ethereum
Cardano
Dogecoin
Share of respondents
26
Ownership of cryptocurrencies among people in Vietnam as of November
2022, by coin
Cryptocurrency ownership Vietnam 2022, by coin

28. Description: In 2018, the value of peer-to-peer Bitcoin transactions in Vietnam amounted to over 1.1 million U.S. dollars. Around 300 Bitcoins were traded via peer-to-peer transactions in the same year. Read more
Note(s): Vietnam; 2016 to 2018; via peer-to-peer exchanges Localbitcoins and Paxful
Source(s): Infogram
0.5
5.58
1.14
0
1
2
3
4
5
6
2016 2017 2018
Value
in
million
U.S.
dollars
27
Value of peer-to-peer traded Bitcoin in Vietnam from 2016 to 2018 (in million
U.S. dollars)
Value of P2P traded Bitcoin Vietnam 2016-2018

29. Consumer perspective
CHAPTER 05

30. Description: According to a survey by Rakuten Insight on e-payment usage, about 92 percent of Vietnamese respondents stated that they had made a transaction using e-payment methods, while six percent of the respondents had not. In the same survey, the majority of e-
payment users indicated convenience as a leading reason for making e-payment transactions. Read more
Note(s): Vietnam; October 13 to 30, 2022; 3,037 respondents; 16 years and older; among female and male respondents
Source(s): Rakuten Insight
92%
6%
1%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Yes No I have never heard of/do not know what e-payments
are
Share
of
respondents
29
Share of e-payment users among consumers in Vietnam in 2022
E-payment usage among consumers in Vietnam 2022

31. Description: According to a survey by Rakuten Insight on e-payment usage in Vietnam in 2022, 95 percent of respondents aged between 25 to 34 years stated that they had made a transaction using e-payment methods, while the share of respondents having used these
services in the age group of 55 years and older was lower, at 80 percent. In the same survey, the majority of e-payment users indicated convenience as a leading reason for making e-payment transactions. Read more
Note(s): Vietnam; October 13 to 30, 2022; 3,037 respondents; 16 years and older; among female and male respondents
Source(s): Rakuten Insight
0% 20% 40% 60% 80% 100% 120%
16 to 24 years old
25 to 34 years old
35 to 44 years old
45 to 54 years old
55 years and older
Yes No I have never heard of/do not know what e-payments are
Share of respondents
30
Share of e-payment users among consumers in Vietnam in 2022, by age
E-payment usage among consumers in Vietnam 2022, by age

32. Description: According to a survey conducted by Rakuten Insight on e-payment usage in October 2022 in Vietnam, about 76.2 percent of e-payment users indicated that they used MoMo for e-payment transactions. The same survey also revealed that over 92 percent of
Vietnamese respondents had made a transaction using e-payment methods. Read more
Note(s): Vietnam; October 13 to 30, 2022; 2,806 respondents; 16 years and older; among respondents who had made e-payment transactions
Source(s): Rakuten Insight
76.23%
58.66%
36.1%
28.9%
24.59%
24.31%
17.64%
14.22%
6.42%
4.95%
4.24%
3.85%
3.85%
2.53%
1.82%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
MoMo
ZaloPay
Viettel Pay
PayPal
VNPAY
E-payment services/e-wallets from banks
AirPay
Moca
Google Pay
Bao Kim
Payoo
Samsung Pay
Apple Pay
VTC Pay
Amazon Pay
Share of respondents
31
Major e-payment services used among consumers in Vietnam as of October
2022
Most popular e-payment services used among respondents Vietnam 2022

33. Description: According to a survey conducted in Vietnam in 2022, around 90 percent of the respondents were aware of embedded finance apps. Embedded finance refers to the integration of financial products in a nonfinancial customer experience. Read more
Note(s): Vietnam; June to July 2022; 750 respondents
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
90
10
0
10
20
30
40
50
60
70
80
90
100
Yes No
Share
of
respondents
32
Awareness of embedded finance apps among people in Vietnam in 2022
Embedded finance apps awareness Vietnam 2022

34. Description: According to a survey conducted in Vietnam in 2022, around 83 percent of the respondents stated to have used embedded finance apps. The same survey also revealed that 90 percent of Vietnamese respondents were aware of embedded finance apps.
Embedded finance refers to the integration of financial products in a nonfinancial customer experience. Read more
Note(s): Vietnam; June to July 2022; 750 respondents
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
83
17
0
10
20
30
40
50
60
70
80
90
Yes No
Share
of
respondents
33
Usage of embedded finance apps among people in Vietnam in 2022
Embedded finance apps usage Vietnam 2022

35. Description: According to a survey conducted in Vietnam in 2022, around 26 percent of respondents stated to have used embedded finance apps every day, while half of them used these apps several times per week. In general, 85 percent of Vietnamese respondents used
embedded finance apps at least once a week. Read more
Note(s): Vietnam; June to July 2022; 750 respondents
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
26
50
9
5
2
7
0 10 20 30 40 50 60
Every day
Several times a week
Once a week
Once in two weeks
Once a month
Do not use regularly
Share of respondents
34
Frequency of using embedded finance apps among people in Vietnam in 2022
Embedded finance apps usage frequency Vietnam 2022

36. Description: According to a survey conducted in Vietnam in 2022, ease of making payments was the leading reason for respondents to use embedded finance apps, as stated by 72 percent of them. The survey also revealed that 83 percent of Vietnamese respondents used
these apps that year. Read more
Note(s): Vietnam; June to July 2022; 750 respondents
Source(s): PwC; Singapore FinTech Association; United Overseas Bank
72
59
45
42
39
26
24
7
0 10 20 30 40 50 60 70 80
Make payments easier
Instant payments
Reward points/discounts
I don't have to carry cash
Investments and trading
Buy now, pay later options
Integrated insurance services
Point-of-service lending
Share of respondents
35
Reasons for using embedded finance apps among people in Vietnam in 2022
Reasons for using embedded finance apps Vietnam 2022

37. Sources
36
finder.com
IDC
Infogram
KPMG
PitchBook
PwC
Rakuten Insight
Singapore FinTech Association
State Bank of Vietnam
Statista
Statista Consumer Insights
Statista Digital Market Insights
Tracxn Technologies
United Overseas Bank