Vietnam has set an ambitious goal of reducing cash usage to less than 8% by 2025. Just a decade ago, bank account ownership was low, and mobile banking and inter-bank transfers were difficult. Now, Vietnam is undergoing rapid change. The government's proactive support and increasing smartphone penetration have driven this transformation. The growth of e-payment platforms like VNPay and Momo is remarkable. However, competition remains fierce, and cash usage is still high, suggesting that a complete transition to a cashless society may take time. A deep analysis of Vietnam's cashless society development process and its potential for success provides insights into Vietnam's future.
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