Vietnam fintech
17 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Account ownership at a financial institution or mobile-money provider, trend, Vietnam, World Bank Global Findex | 21.4 (2011) -> 70.6 (2024)% of population age 15+ | VN | 2011-2024 | T1 | data.worldbank.org |
| Account ownership, adults 15+ | 70.55percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Account ownership, poorest 40% by income, adults 15+ | 48.11percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Digital payment adoption by country, World Bank Global Findex (made or received a digital payment, % age 15+) | 62.4% of population age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Gross National Income per capita, PPP, by country, World Bank | 17580current international $ | VN | 2025 | T1 | data.worldbank.org |
| No account because of insufficient funds, Vietnam, World Bank Global Findex | 7.72% of population age 15+ without an accou | VN | 2024 | T1 | data.worldbank.org |
| Vietnam adults owning a debit card | 64.82percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Vietnam adults who borrowed from a formal bank or financial institution | 7.67percent of adults age 15+ | VN | 2024 | T1 | data.worldbank.org |
| Adults unable to come up with emergency funds within 30 days, by SEA country, World Bank Global Findex 2024 | 1.7% of population age 15+ reporting it is | VN | T1 | data.worldbank.org | |
| GOOD-band free-to-paid conversion rate for credit-card-gated SaaS free trials, ChartMogul SaaS Conversion Report | 25-35percent conversion | global | study conducted January 2026 | T2 | chartmogul.com |
| Average payment failure rate for credit card payments (GoCardless Payment Success Index, n=55,000) | 7.9% of payments failing | GLOBAL | 2020 | T2 | gocardless.com |
| Average payment failure rate for digital wallet payments (GoCardless Payment Success Index, n=55,000) | 11.5% of payments failing | GLOBAL | 2020 | T2 | gocardless.com |
| Bribery incidence among Vietnamese firms, World Bank Enterprise Surveys | 31.1percent of firms | VN | 2023 | T2 | enterprisesurveys.org |
| Firms formally registered when they started operations, Vietnam, World Bank Enterprise Surveys | 97.0percent of firms | VN | 2023 | T2 | enterprisesurveys.org |
| Senior management time spent dealing with government regulations, Vietnam | 4percent of senior management time | VN | 2023 | T2 | enterprisesurveys.org |
| Share of Vietnamese firms using bank loans to finance investment | 29.2% of firms | VN | 2023 | T2 | enterprisesurveys.org |
| Share of investment financed internally by Vietnamese firms (vs bank/equity) | 68.4% of investment | VN | 2023 | T2 | enterprisesurveys.org |
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