{"id":26349,"date":"2025-03-05T16:31:28","date_gmt":"2025-03-05T09:31:28","guid":{"rendered":"https:\/\/wp-blog-test.realstake.net\/blog\/?p=26349"},"modified":"2025-03-05T16:31:28","modified_gmt":"2025-03-05T09:31:28","slug":"thi-truong-thanh-toan-so-viet-nam-2025-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/","title":{"rendered":"Th\u1ecb Tr\u01b0\u1eddng Thanh To\u00e1n S\u1ed1 Vi\u1ec7t Nam 2025"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;26349&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;1&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;5\\\/5 - (1 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Th\u1ecb Tr\u01b0\u1eddng Thanh To\u00e1n S\u1ed1 Vi\u1ec7t Nam 2025&quot;,&quot;width&quot;:&quot;129&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 129px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (1 vote)    <\/div>\n    <\/div>\n<p><strong>Vi\u1ec7t Nam \u0111ang b\u00f9ng n\u1ed5 trong l\u0129nh v\u1ef1c thanh to\u00e1n s\u1ed1!<\/strong> N\u0103m 2025, th\u1ecb tr\u01b0\u1eddng n\u00e0y \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o \u0111\u1ea1t gi\u00e1 tr\u1ecb giao d\u1ecbch <strong>101,55 t\u1ef7 USD<\/strong>, v\u1edbi thanh to\u00e1n di \u0111\u1ed9ng chi\u1ebfm ph\u1ea7n l\u1edbn (<strong>63,35 t\u1ef7 USD<\/strong>). Xu h\u01b0\u1edbng n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng smartphone cao, s\u1ef1 gia t\u0103ng thanh to\u00e1n QR, v\u00e0 c\u00e1c ch\u00ednh s\u00e1ch t\u1eeb Ch\u00ednh ph\u1ee7.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Nhung_Con_So_Quan_Trong\" title=\"Nh\u1eefng Con S\u1ed1 Quan Tr\u1ecdng:\">Nh\u1eefng Con S\u1ed1 Quan Tr\u1ecdng:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Xu_Huong_Dang_Chu_Y\" title=\"Xu H\u01b0\u1edbng \u0110\u00e1ng Ch\u00fa \u00dd:\">Xu H\u01b0\u1edbng \u0110\u00e1ng Ch\u00fa \u00dd:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Xu_huong_Thanh_toan_So_2025\" title=\"Xu h\u01b0\u1edbng Thanh to\u00e1n S\u1ed1 2025\">Xu h\u01b0\u1edbng Thanh to\u00e1n S\u1ed1 2025<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Thanh_toan_Di_dong_Bung_No\" title=\"Thanh to\u00e1n Di \u0111\u1ed9ng B\u00f9ng N\u1ed5\">Thanh to\u00e1n Di \u0111\u1ed9ng B\u00f9ng N\u1ed5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Thanh_toan_Khong_Tiep_Xuc\" title=\"Thanh to\u00e1n Kh\u00f4ng Ti\u1ebfp X\u00fac\">Thanh to\u00e1n Kh\u00f4ng Ti\u1ebfp X\u00fac<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Thanh_toan_Thuong_mai_Dien_tu\" title=\"Thanh to\u00e1n Th\u01b0\u01a1ng m\u1ea1i \u0110i\u1ec7n t\u1eed\">Thanh to\u00e1n Th\u01b0\u01a1ng m\u1ea1i \u0110i\u1ec7n t\u1eed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Cong_nghe_Blockchain\" title=\"C\u00f4ng ngh\u1ec7 Blockchain\">C\u00f4ng ngh\u1ec7 Blockchain<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Cac_Cong_Ty_Dan_Dau_Thi_Truong\" title=\"C\u00e1c C\u00f4ng Ty D\u1eabn \u0110\u1ea7u Th\u1ecb Tr\u01b0\u1eddng\">C\u00e1c C\u00f4ng Ty D\u1eabn \u0110\u1ea7u Th\u1ecb Tr\u01b0\u1eddng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Loi_the_canh_tranh_cua_cac_nen_tang\" title=\"L\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng\">L\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Rao_Can_va_Co_Hoi_Phat_Trien_Thi_Truong\" title=\"R\u00e0o C\u1ea3n v\u00e0 C\u01a1 H\u1ed9i Ph\u00e1t Tri\u1ec3n Th\u1ecb Tr\u01b0\u1eddng\">R\u00e0o C\u1ea3n v\u00e0 C\u01a1 H\u1ed9i Ph\u00e1t Tri\u1ec3n Th\u1ecb Tr\u01b0\u1eddng<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Thach_Thuc_Hien_Tai\" title=\"Th\u00e1ch Th\u1ee9c Hi\u1ec7n T\u1ea1i\">Th\u00e1ch Th\u1ee9c Hi\u1ec7n T\u1ea1i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Phat_Trien_Ngan_Hang_va_Fintech\" title=\"Ph\u00e1t Tri\u1ec3n Ng\u00e2n H\u00e0ng v\u00e0 Fintech\">Ph\u00e1t Tri\u1ec3n Ng\u00e2n H\u00e0ng v\u00e0 Fintech<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Chuyen_Doi_Tai_Chinh_So\" title=\"Chuy\u1ec3n \u0110\u1ed5i T\u00e0i Ch\u00ednh S\u1ed1\">Chuy\u1ec3n \u0110\u1ed5i T\u00e0i Ch\u00ednh S\u1ed1<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#2025-2030_Market_Outlook\" title=\"2025-2030 Market Outlook\">2025-2030 Market Outlook<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Du_Bao_Thi_Truong_2030\" title=\"D\u1ef1 B\u00e1o Th\u1ecb Tr\u01b0\u1eddng 2030\">D\u1ef1 B\u00e1o Th\u1ecb Tr\u01b0\u1eddng 2030<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Linh_Vuc_Dau_Tu_Tiem_Nang\" title=\"L\u0129nh V\u1ef1c \u0110\u1ea7u T\u01b0 Ti\u1ec1m N\u0103ng\">L\u0129nh V\u1ef1c \u0110\u1ea7u T\u01b0 Ti\u1ec1m N\u0103ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/infina.vn\/blog\/thi-truong-thanh-toan-so-viet-nam-2025-tc\/#Luu_Y_Quan_Trong\" title=\"L\u01b0u \u00dd Quan Tr\u1ecdng\">L\u01b0u \u00dd Quan Tr\u1ecdng<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Nhung_Con_So_Quan_Trong\"><\/span>Nh\u1eefng Con S\u1ed1 Quan Tr\u1ecdng:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>76% ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/strong> s\u1eed d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed, <strong>82% s\u1eed d\u1ee5ng th\u1ebb<\/strong>.<\/li>\n<li><strong>Thanh to\u00e1n QR<\/strong> t\u0103ng 152% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng v\u00e0 301% v\u1ec1 gi\u00e1 tr\u1ecb (2023).<\/li>\n<li><strong>V\u00ed \u0111i\u1ec7n t\u1eed h\u00e0ng \u0111\u1ea7u<\/strong>: MoMo (47%), Viettel Pay (25%), ZaloPay (17%).<\/li>\n<li><strong>Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac<\/strong>: 75% giao d\u1ecbch th\u1ebb Visa t\u1ea1i Vi\u1ec7t Nam (2024).<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Xu_Huong_Dang_Chu_Y\"><\/span>Xu H\u01b0\u1edbng \u0110\u00e1ng Ch\u00fa \u00dd:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>Thanh to\u00e1n di \u0111\u1ed9ng<\/strong>: \u0110\u1ea1t 63,35 t\u1ef7 USD n\u0103m 2025, t\u0103ng tr\u01b0\u1edfng m\u1ea1nh \u0111\u1ebfn 2030.<\/li>\n<li><strong>Th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed<\/strong>: Giao d\u1ecbch tr\u1ef1c tuy\u1ebfn \u0111\u1ea1t 6 t\u1ef7 USD.<\/li>\n<li><strong>Blockchain<\/strong>: \u0110\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong thanh to\u00e1n s\u1ed1, v\u1edbi gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng 350 tri\u1ec7u USD (2023).<\/li>\n<\/ol>\n<p><strong>C\u01a1 h\u1ed9i l\u1edbn:<\/strong> Vi\u1ec7t Nam \u0111ang v\u01b0\u01a1n l\u00ean th\u00e0nh trung t\u00e2m thanh to\u00e1n s\u1ed1 t\u1ea1i \u0110\u00f4ng Nam \u00c1, v\u1edbi c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac, c\u00f4ng ngh\u1ec7 blockchain, v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 \u0111\u1ea7y ti\u1ec1m n\u0103ng.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Xu_huong_Thanh_toan_So_2025\"><\/span>Xu h\u01b0\u1edbng Thanh to\u00e1n S\u1ed1 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c xu h\u01b0\u1edbng thanh to\u00e1n s\u1ed1 \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd \u0111\u1ecbnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam v\u00e0o n\u0103m 2025.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_Di_dong_Bung_No\"><\/span>Thanh to\u00e1n Di \u0111\u1ed9ng B\u00f9ng N\u1ed5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u1ef1 ki\u1ebfn, thanh to\u00e1n di \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam s\u1ebd \u0111\u1ea1t gi\u00e1 tr\u1ecb 63,35 t\u1ef7 USD v\u00e0o n\u0103m 2025. Theo kh\u1ea3o s\u00e1t, <strong>85% ng\u01b0\u1eddi d\u00f9ng s\u1edf h\u1eefu \u00edt nh\u1ea5t m\u1ed9t v\u00ed \u0111i\u1ec7n t\u1eed<\/strong>, trong \u0111\u00f3 <strong>71% s\u1eed d\u1ee5ng h\u00e0ng tu\u1ea7n<\/strong>.<\/p>\n<p><strong>Th\u1ecb ph\u1ea7n c\u1ee7a c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed h\u00e0ng \u0111\u1ea7u<\/strong>:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">V\u00ed \u0111i\u1ec7n t\u1eed<\/th>\n<th colspan=\"1\" rowspan=\"1\">Th\u1ecb ph\u1ea7n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">MoMo<\/td>\n<td colspan=\"1\" rowspan=\"1\">47%<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Viettel Pay<\/td>\n<td colspan=\"1\" rowspan=\"1\">25%<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ZaloPay<\/td>\n<td colspan=\"1\" rowspan=\"1\">17%<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ShopeePay<\/td>\n<td colspan=\"1\" rowspan=\"1\">10%<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Grab (Moca)<\/td>\n<td colspan=\"1\" rowspan=\"1\">2%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_Khong_Tiep_Xuc\"><\/span>Thanh to\u00e1n Kh\u00f4ng Ti\u1ebfp X\u00fac<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00ednh \u0111\u1ebfn th\u00e1ng 11\/2024, <strong>75% giao d\u1ecbch qua th\u1ebb Visa t\u1ea1i Vi\u1ec7t Nam<\/strong> \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c kh\u00f4ng ti\u1ebfp x\u00fac. Ngo\u00e0i ra, <strong>80% ng\u01b0\u1eddi d\u00f9ng Vi\u1ec7t Nam s\u1eed d\u1ee5ng v\u00ed di \u0111\u1ed9ng<\/strong>, v\u00e0 <strong>68% th\u01b0\u1eddng xuy\u00ean s\u1eed d\u1ee5ng t\u00ednh n\u0103ng ch\u1ea1m \u0111\u1ec3 thanh to\u00e1n<\/strong>.<\/p>\n<blockquote><p>&#8220;Ch\u00fang t\u00f4i h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai n\u01a1i thanh to\u00e1n s\u1ed1 tr\u1edf n\u00ean li\u1ec1n m\u1ea1ch, an to\u00e0n v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn v\u1edbi m\u1ecdi doanh nghi\u1ec7p Vi\u1ec7t Nam. Th\u00f4ng qua h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c trong h\u1ec7 sinh th\u00e1i thanh to\u00e1n, ch\u00fang t\u00f4i n\u1ed7 l\u1ef1c gi\u00fap c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf m\u1edf kh\u00f3a c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n v\u00e0 hi\u1ec7u qu\u1ea3 m\u1edbi, g\u00f3p ph\u1ea7n v\u00e0o s\u1ef1 ti\u1ebfn b\u1ed9 kinh t\u1ebf c\u1ee7a Vi\u1ec7t Nam.&#8221;<\/p>\n<ul>\n<li>B\u00e0 \u0110\u1eb7ng Tuy\u1ebft Dung, Gi\u00e1m \u0111\u1ed1c Visa Vi\u1ec7t Nam v\u00e0 L\u00e0o<\/li>\n<\/ul>\n<\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_Thuong_mai_Dien_tu\"><\/span>Thanh to\u00e1n Th\u01b0\u01a1ng m\u1ea1i \u0110i\u1ec7n t\u1eed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u1ea1t <strong>210 tri\u1ec7u giao d\u1ecbch<\/strong>, t\u0103ng 15% so v\u1edbi n\u0103m 2022, v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb kho\u1ea3ng <strong>6 t\u1ef7 USD<\/strong>. \u0110\u00e1ng ch\u00fa \u00fd, <strong>chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng chi\u1ebfm 29% doanh thu th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed<\/strong> t\u00ednh \u0111\u1ebfn th\u00e1ng 8\/2023.<\/p>\n<p><strong>S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a thanh to\u00e1n QR<\/strong>:<\/p>\n<ul>\n<li>Giao d\u1ecbch b\u1eb1ng m\u00e3 QR \u0111\u1ea1t <strong>183 tri\u1ec7u l\u01b0\u1ee3t<\/strong>, t\u0103ng 170% so v\u1edbi n\u0103m 2022.<\/li>\n<li>Gi\u00e1 tr\u1ecb giao d\u1ecbch \u0111\u1ea1t <strong>4,64 t\u1ef7 USD<\/strong>, t\u0103ng 74%.<\/li>\n<li><strong>98% ng\u01b0\u1eddi d\u00f9ng thanh to\u00e1n di \u0111\u1ed9ng<\/strong> \u0111\u00e3 s\u1eed d\u1ee5ng m\u00e3 QR t\u1ea1i \u0111i\u1ec3m b\u00e1n.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Cong_nghe_Blockchain\"><\/span>C\u00f4ng ngh\u1ec7 Blockchain<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ecb tr\u01b0\u1eddng blockchain Vi\u1ec7t Nam \u0111\u1ea1t gi\u00e1 tr\u1ecb <strong>350 tri\u1ec7u USD v\u00e0o n\u0103m 2023<\/strong> v\u00e0 d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng 17,4% m\u1ed7i n\u0103m \u0111\u1ebfn n\u0103m 2029. T\u1eeb n\u0103m 2021-2023, Vi\u1ec7t Nam \u0111\u1ee9ng th\u1ee9 7 to\u00e0n c\u1ea7u v\u1ec1 \u0111\u1ea7u t\u01b0 blockchain v\u00e0 n\u1eb1m trong top 3 v\u1ec1 t\u1ef7 l\u1ec7 \u00e1p d\u1ee5ng ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/p>\n<blockquote><p>&#8220;Vi\u1ec7t Nam s\u1ebd tr\u1edf th\u00e0nh qu\u1ed1c gia d\u1eabn \u0111\u1ea7u trong khu v\u1ef1c v\u1ec1 c\u00f4ng ngh\u1ec7 blockchain, v\u00e0 c\u00f3 v\u1ecb th\u1ebf qu\u1ed1c t\u1ebf trong nghi\u00ean c\u1ee9u, tri\u1ec3n khai, \u1ee9ng d\u1ee5ng v\u00e0 khai th\u00e1c c\u00f4ng ngh\u1ec7 quan tr\u1ecdng n\u00e0y.&#8221;<\/p>\n<ul>\n<li>Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng H\u1ed3 \u0110\u1ee9c Ph\u1edbc<\/li>\n<\/ul>\n<\/blockquote>\n<p>Blockchain \u0111ang \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai thanh to\u00e1n s\u1ed1 t\u1ea1i Vi\u1ec7t Nam, t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho s\u1ef1 ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i c\u1ee7a ng\u00e0nh.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi <a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a> l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n        <p class=\"my-3\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n        <p class=\"my-3\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"Cac_Cong_Ty_Dan_Dau_Thi_Truong\"><\/span>C\u00e1c C\u00f4ng Ty D\u1eabn \u0110\u1ea7u Th\u1ecb Tr\u01b0\u1eddng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec7n t\u1ea1i, th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n s\u1ed1 \u1edf Vi\u1ec7t Nam c\u00f3 h\u01a1n 200 c\u00f4ng ty fintech \u0111ang ho\u1ea1t \u0111\u1ed9ng. C\u00e1c doanh nghi\u1ec7p l\u1edbn \u0111ang d\u1eabn \u0111\u1ea7u trong vi\u1ec7c thay \u0111\u1ed5i c\u00e1ch d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c cung c\u1ea5p, v\u1edbi nh\u1eefng n\u1ec1n t\u1ea3ng n\u1ed5i b\u1eadt sau:<\/p>\n<p><strong>Th\u1ed1ng k\u00ea ng\u01b0\u1eddi d\u00f9ng tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng l\u1edbn:<\/strong><\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">N\u1ec1n t\u1ea3ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">S\u1ed1 ng\u01b0\u1eddi d\u00f9ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">\u0110i\u1ec3m n\u1ed5i b\u1eadt<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">VNPay<\/td>\n<td colspan=\"1\" rowspan=\"1\">25 tri\u1ec7u<\/td>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n nhanh, mua s\u1eafm tr\u1ef1c tuy\u1ebfn, n\u1ea1p ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">MoMo<\/td>\n<td colspan=\"1\" rowspan=\"1\">20 tri\u1ec7u<\/td>\n<td colspan=\"1\" rowspan=\"1\">V\u00ed \u0111i\u1ec7n t\u1eed li\u00ean k\u1ebft s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, b\u1ea3o m\u1eadt cao<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ShopeePay<\/td>\n<td colspan=\"1\" rowspan=\"1\">20 tri\u1ec7u<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u1ed7 tr\u1ee3 \u0111a ti\u1ec1n t\u1ec7, t\u00edch h\u1ee3p s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">ZaloPay<\/td>\n<td colspan=\"1\" rowspan=\"1\">14 tri\u1ec7u<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u00edch h\u1ee3p m\u1ea1ng x\u00e3 h\u1ed9i, QR \u0111a ch\u1ee9c n\u0103ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>MoMo, Moca v\u00e0 ZaloPay hi\u1ec7n chi\u1ebfm h\u01a1n 90% th\u1ecb ph\u1ea7n ng\u01b0\u1eddi d\u00f9ng v\u00ed \u0111i\u1ec7n t\u1eed. Trong \u0111\u00f3, ZaloPay c\u00f3 t\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00f9ng trung th\u00e0nh \u0111\u1ea1t 84% v\u00e0 trung b\u00ecnh m\u1ed7i ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n 1,6 giao d\u1ecbch m\u1ed7i ng\u00e0y.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loi_the_canh_tranh_cua_cac_nen_tang\"><\/span>L\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>ZaloPay<\/strong>: T\u00edch h\u1ee3p v\u1edbi \u1ee9ng d\u1ee5ng Zalo, cho ph\u00e9p \u0111\u0103ng k\u00fd v\u00e0 li\u00ean k\u1ebft nhi\u1ec1u t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/li>\n<li><strong>MoMo<\/strong>: Hi\u1ec7n \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn t\u1ea1i h\u01a1n 200 tri\u1ec7u \u0111i\u1ec3m b\u00e1n. N\u1ec1n t\u1ea3ng n\u00e0y mi\u1ec5n ph\u00ed cho ng\u01b0\u1eddi b\u00e1n v\u00e0 t\u00edch h\u1ee3p c\u1ea3 c\u00f4ng ngh\u1ec7 sinh tr\u1eafc h\u1ecdc l\u1eabn nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t.<\/li>\n<li><strong>VNPay<\/strong>: \u0110\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n \u0111\u1ea7u t\u01b0 300 tri\u1ec7u USD t\u1eeb SoftBank Vision Fund v\u00e0 GIC Singapore.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Rao_Can_va_Co_Hoi_Phat_Trien_Thi_Truong\"><\/span>R\u00e0o C\u1ea3n v\u00e0 C\u01a1 H\u1ed9i Ph\u00e1t Tri\u1ec3n Th\u1ecb Tr\u01b0\u1eddng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Thach_Thuc_Hien_Tai\"><\/span>Th\u00e1ch Th\u1ee9c Hi\u1ec7n T\u1ea1i<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n s\u1ed1 t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u kh\u00f3 kh\u0103n. Ch\u1ec9 30% ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1, trong khi t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u1ea1t 63% &#8211; th\u1ea5p h\u01a1n h\u1eb3n so v\u1edbi Malaysia (93%) v\u00e0 Th\u00e1i Lan (91%). M\u1ed9t s\u1ed1 r\u00e0o c\u1ea3n l\u1edbn bao g\u1ed3m s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa khu v\u1ef1c th\u00e0nh th\u1ecb v\u00e0 n\u00f4ng th\u00f4n, c\u00e1c m\u1ed1i \u0111e d\u1ecda li\u00ean quan \u0111\u1ebfn an ninh m\u1ea1ng v\u00e0 quy \u0111\u1ecbnh l\u01b0u tr\u1eef d\u1eef li\u1ec7u trong n\u01b0\u1edbc. \u0110\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh h\u1ee3p t\u00e1c v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Phat_Trien_Ngan_Hang_va_Fintech\"><\/span>Ph\u00e1t Tri\u1ec3n Ng\u00e2n H\u00e0ng v\u00e0 Fintech<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>S\u1ef1 h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u00e0 c\u00e1c c\u00f4ng ty fintech \u0111ang t\u1ea1o ra nh\u1eefng thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3. Cake by VPBank \u0111\u00e3 tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn qu\u1ed1c t\u1ebf v\u1ec1 c\u00f4ng ngh\u1ec7 nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t sinh tr\u1eafc h\u1ecdc v\u00e0o th\u00e1ng 7\/2024.<\/p>\n<blockquote><p>&#8220;Ch\u00fang t\u00f4i \u0111ang s\u1eed d\u1ee5ng AI \u0111\u1ec3 r\u00fat ng\u1eafn quy tr\u00ecnh ph\u00ea duy\u1ec7t kho\u1ea3n vay xu\u1ed1ng ch\u1ec9 c\u00f2n 2 ph\u00fat \u0111\u1ed3ng th\u1eddi t\u0103ng c\u01b0\u1eddng ph\u00e1t hi\u1ec7n gian l\u1eadn tr\u00ean \u1ee9ng d\u1ee5ng&#8221; &#8211; Nguy\u1ec5n H\u1eefu Quang, CEO c\u1ee7a Cake by VPBank.<\/p><\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"Chuyen_Doi_Tai_Chinh_So\"><\/span>Chuy\u1ec3n \u0110\u1ed5i T\u00e0i Ch\u00ednh S\u1ed1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 fintech \u0111ang th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u00e0i ch\u00ednh s\u1ed1 m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd. N\u1ec1n kinh t\u1ebf s\u1ed1 c\u1ee7a Vi\u1ec7t Nam \u0111\u00e3 chi\u1ebfm h\u01a1n 12% GDP trong n\u0103m 2023, v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m \u0111\u1ea1t 19%. M\u1ed9t s\u1ed1 xu h\u01b0\u1edbng n\u1ed5i b\u1eadt trong chuy\u1ec3n \u0111\u1ed5i t\u00e0i ch\u00ednh s\u1ed1 bao g\u1ed3m:<\/p>\n<ul>\n<li><strong>Thanh to\u00e1n QR<\/strong>: T\u1ef7 l\u1ec7 ng\u01b0\u1eddi d\u00f9ng t\u0103ng t\u1eeb 35% (2021) l\u00ean 62% (2024), cho th\u1ea5y s\u1ef1 thay \u0111\u1ed5i r\u00f5 r\u1ec7t trong th\u00f3i quen thanh to\u00e1n.<\/li>\n<li><strong>D\u1ecbch v\u1ee5 &#8220;Buy Now, Pay Later&#8221; (BNPL)<\/strong>: D\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng 42% m\u1ed7i n\u0103m, \u0111\u1ea1t gi\u00e1 tr\u1ecb 3,33 t\u1ef7 USD v\u00e0o n\u0103m 2024.<\/li>\n<li><strong>Open Banking<\/strong>: Konsentus \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi SAVIS \u0111\u1ec3 th\u00fac \u0111\u1ea9y m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1edf t\u1ea1i Vi\u1ec7t Nam.<\/li>\n<\/ul>\n<blockquote><p>&#8220;Vi\u1ec7t Nam l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ecb tr\u01b0\u1eddng fintech \u0111\u1ea7y ti\u1ec1m n\u0103ng, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng s\u1ed1, thanh to\u00e1n s\u1ed1, blockchain v\u00e0 m\u1eadt m\u00e3 h\u1ecdc&#8221;.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"2025-2030_Market_Outlook\"><\/span>2025-2030 Market Outlook<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Du_Bao_Thi_Truong_2030\"><\/span>D\u1ef1 B\u00e1o Th\u1ecb Tr\u01b0\u1eddng 2030<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo d\u1ef1 b\u00e1o, th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n di \u0111\u1ed9ng s\u1ebd t\u0103ng t\u1eeb 47,56 t\u1ef7 USD v\u00e0o n\u0103m 2025 l\u00ean 76,04 t\u1ef7 USD v\u00e0o n\u0103m 2030, \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m 9,84%. \u0110\u1eb7c bi\u1ec7t, t\u1ed5ng gi\u00e1 tr\u1ecb thanh to\u00e1n s\u1ed1 d\u1ef1 ki\u1ebfn ch\u1ea1m m\u1ed1c 203,12 t\u1ef7 USD v\u00e0o n\u0103m 2029, v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m 18,92%.<\/p>\n<p>Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u1ec3 n\u1ec1n kinh t\u1ebf s\u1ed1 \u0111\u00f3ng g\u00f3p 30% GDP v\u00e0o n\u0103m 2030, trong \u0111\u00f3 thanh to\u00e1n s\u1ed1 l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng. T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh d\u1ef1 ki\u1ebfn v\u01b0\u1ee3t qua 85% v\u00e0o n\u0103m 2025, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n di \u0111\u1ed9ng. Nh\u1eefng con s\u1ed1 n\u00e0y cho th\u1ea5y ti\u1ec1m n\u0103ng l\u1edbn cho c\u00e1c l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 m\u1edbi.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Linh_Vuc_Dau_Tu_Tiem_Nang\"><\/span>L\u0129nh V\u1ef1c \u0110\u1ea7u T\u01b0 Ti\u1ec1m N\u0103ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u1ef1a tr\u00ean tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n, m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c n\u1ed5i b\u1eadt v\u1ec1 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng g\u1ed3m:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">L\u0129nh v\u1ef1c<\/th>\n<th colspan=\"1\" rowspan=\"1\">Kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac<\/td>\n<td colspan=\"1\" rowspan=\"1\">S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 NFC v\u00e0 QR t\u0103ng tr\u01b0\u1edfng h\u01a1n 170% t\u1eeb 2021\u20132023<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Gi\u1ea3i ph\u00e1p E-KYC v\u00e0 AML<\/td>\n<td colspan=\"1\" rowspan=\"1\">Nhu c\u1ea7u cao v\u1ec1 x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">C\u00f4ng ngh\u1ec7 5G v\u00e0 Open RAN<\/td>\n<td colspan=\"1\" rowspan=\"1\">M\u1edf r\u1ed9ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt s\u1ed1 tr\u00ean to\u00e0n qu\u1ed1c<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Thanh to\u00e1n s\u1ed1 t\u1ed5ng h\u1ee3p<\/td>\n<td colspan=\"1\" rowspan=\"1\">65% doanh nghi\u1ec7p \u01b0u ti\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o gi\u1ea3i ph\u00e1p thanh to\u00e1n s\u1ed1 n\u0103m 2024<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote><p>&#8220;D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 th\u1ecb n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (SBV) li\u00ean t\u1ee5c c\u1ea3i thi\u1ec7n khung ph\u00e1p l\u00fd v\u00e0 quy tr\u00ecnh qu\u1ea3n l\u00fd \u0111\u1ec3 h\u1ed7 tr\u1ee3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 th\u00fac \u0111\u1ea9y giao d\u1ecbch kh\u00f4ng ti\u1ec1n m\u1eb7t.&#8221;<\/p><\/blockquote>\n<p>Nh\u1eefng xu h\u01b0\u1edbng v\u00e0 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 n\u00e0y ti\u1ebfp t\u1ee5c c\u1ee7ng c\u1ed1 b\u1ed1i c\u1ea3nh ph\u00e1t tri\u1ec3n s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Luu_Y_Quan_Trong\"><\/span>L\u01b0u \u00dd Quan Tr\u1ecdng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n s\u1ed1 t\u1ea1i Vi\u1ec7t Nam \u0111ang thay \u0111\u1ed5i nhanh ch\u00f3ng, mang \u0111\u1ebfn nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 \u0111\u1ea7y h\u1ee9a h\u1eb9n. C\u00e1c y\u1ebfu t\u1ed1 nh\u01b0 t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng internet cao, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 ch\u00ednh s\u00e1ch h\u1ed7 tr\u1ee3 t\u1eeb Ch\u00ednh ph\u1ee7 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh, c\u00e1c doanh nghi\u1ec7p c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea3o m\u1eadt v\u00e0 tu\u00e2n th\u1ee7 nghi\u00eam ng\u1eb7t c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vi&#7879;t Nam &#273;ang b&ugrave;ng n&#7893; trong l&#297;nh v&#7921;c thanh to&aacute;n s&#7889;! N&#259;m 2025, th&#7883; tr&#432;&#7901;ng n&agrave;y &#273;&#432;&#7907;c d&#7921; b&aacute;o &#273;&#7841;t gi&aacute; tr&#7883; giao d&#7883;ch 101,55 t&#7927; USD, v&#7899;i thanh to&aacute;n di &#273;&#7897;ng chi&#7871;m ph&#7847;n l&#7899;n (63,35 t&#7927; USD). Xu h&#432;&#7899;ng n&agrave;y &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i t&#7927; l&#7879; s&#7917; d&#7909;ng smartphone cao, s&#7921; gia t&#259;ng thanh [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26349","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=26349"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26350"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}