Forecasting Vietnam's Fintech Trends in Late 2025

The first half of 2025 witnessed Vietnam's fintech scene bursting with energy: digital wallets enhanced their features, BNPL (Buy Now, Pay Later) exploded, and AI and blockchain started to integrate into real-world applications. So what’s coming next? Let’s explore the fintech trends that are poised to dominate Vietnam in the latter half of 2025.

 

1. BNPL Enters the Battle Royale Phase

Buy Now, Pay Later services are no longer a novelty. From MoMo and Fundiin to Atome and Kredivo, platforms are rapidly expanding, targeting sectors like education, healthcare, travel, and everyday spending. By the end of 2025, BNPL could account for up to 10% of Vietnam's total e-commerce transactions.

But with rapid growth comes risk—rising consumer debt and potential credit abuse may prompt regulators to enforce tighter controls. The competition is no longer about who grows the fastest, but who builds the most sustainable and accurate credit scoring systems.

 

2. AI: From Tool to the Heart of Fintech

AI will move from being a supporting feature to becoming the backbone of fintech platforms. Digital wallets and neobanks are using AI to personalize user experiences, automate financial advice, analyze spending behavior, and prevent fraud.

Some platforms already approve loans within two minutes or deliver daily financial reports. By late 2025, we could see the rise of localized fintech AI platforms tailored to Vietnamese language, behavior, and financial habits.

 

3. Blockchain Makes a Real-World Comeback

After the chaos of the crypto market, blockchain is staging a return with practical applications: smart contracts in logistics, identity verification, and personal data management.

Vietnam’s government is gradually crafting a legal framework for digital assets and may soon pilot a regulatory sandbox for stablecoins or even a Central Bank Digital Currency (CBDC). Startups like Kyber Network and Coin98 are leading the new wave of Web3.0—this time with real value, not just speculation.

 

4. Cross-Border QR Payments to Boom via ASEAN Network

Vietnam's QR code system is now officially connected with Thailand, Indonesia, Malaysia—and soon the Philippines, Laos, and Cambodia. This network enables users to scan and pay across borders in local currency, without needing physical cash or currency exchange.

By late 2025, cross-border QR payments are expected to surge, especially in tourism, F&B, and retail. Fintechs that integrate FX support and secure, seamless QR features will gain a competitive edge in the region.

 

5. Data Privacy and Cybersecurity Take Center Stage

With new laws on information safety and personal data protection taking effect, safeguarding user data is no longer optional—it’s mandatory. Consumers are increasingly aware of how their financial data is stored and used.

Fintechs must invest heavily in security: biometric authentication (FaceID, fingerprint), international-standard eKYC, and real-time fraud detection systems. One data leak could cost a brand its entire user trust.

 

6. The Rise of Fintech Super Apps

Digital wallets are transforming into full-fledged super apps, bundling services like payments, consumer loans, investments, insurance, savings, and even lifestyle offerings like ticket booking and bill payments.

By year-end, the super app race will intensify as each platform tries to own the entire user journey—from financial planning to daily spending. The winner will be the one offering a secure, seamless, and fully integrated ecosystem.

 

Conclusion

The final stretch of 2025 will be pivotal for shaping Vietnam’s fintech landscape. Those who adapt, innovate, and put users at the center—while staying transparent and secure—will come out on top.

And for users? Expect financial experiences that are smarter, safer, and more convenient—right from the palm of your hand.

This article is part of a content series forecasting Vietnam's 2025 fintech landscape. Stay tuned for upcoming deep dives on standout startups, wallet wars, and challenger banks in Vietnam!