Posts From Andrew Rowan

The Promise of Fintech in Vietnam. A Culture of Cash

In 2002, according to Plastic Money, there were only nine foreign-operated ATMs (ANZ, HSBC, and Citibank) in the entire country with 79 locally-operated ATMs (all State-owned banks) and slightly more than 5,000 point-of-sale (POS) terminals across Vietnam. Between 2011-2015, the State

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