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August 4, 2026

Lexology Panoramic: Fintech 2027 – Vietnam

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Tilleke & Gibbins has contributed the Vietnam chapter to Fintech 2027, a global guide published by Lexology Panoramic that provides comparative insights into the legal and regulatory frameworks governing fintech businesses across multiple jurisdictions.

The Vietnam chapter offers a comprehensive overview of the country’s rapidly evolving fintech landscape, examining both the regulatory environment and practical considerations for businesses operating in or entering the Vietnamese market. Topics covered include:

  • Fintech landscape and initiatives: General innovation climate; government and regulatory support
  • Financial regulation: Regulatory bodies; regulated activities; consumer lending; secondary market loan trading; collective investment schemes; alternative investment funds; peer-to-peer and marketplace lending; crowdfunding; invoice trading; payment services; open banking; robo-advice; insurance products; credit references
  • Cross-border regulation: Passporting; requirement for a local presence
  • Sales and marketing: Restrictions on the promotion and marketing of financial products and services
  • Cryptoassets and tokens: Distributed ledger technology; cryptoassets; token issuance
  • Artificial intelligence: Regulatory framework governing AI systems and AI-enabled financial services
  • Change of control: Notification and consent requirements for regulated businesses
  • Financial crime: Anti-bribery and anti-money laundering procedures; regulatory guidance
  • Data protection and cybersecurity: Data protection obligations; cybersecurity requirements applicable to fintech businesses
  • Outsourcing and cloud computing: Outsourcing of material functions; use of cloud computing in the financial services industry
  • Intellectual property rights: IP protection for software; employee- and contractor-created IP; joint ownership; trade secrets; branding; remedies for infringement
  • Competition: Competition law issues affecting fintech businesses
  • Tax: Incentives for innovation and investment; developments affecting tax and compliance obligations
  • Immigration: Immigration options for recruiting skilled foreign personnel; special measures available through Vietnam’s international financial centers

The chapter also examines a number of significant recent developments shaping Vietnam’s fintech sector, including the introduction of the country’s first comprehensive regulatory framework for cryptoassets, the adoption of a dedicated law on artificial intelligence, implementation of the banking regulatory sandbox, and the establishment of international financial centers intended to attract fintech investment and innovation.

The full Vietnam chapter is available as a PDF through the button below.

Readers can also gain 30 days of complementary access to the full Fintech 2027 guide and the rest of Lexology Panoramic’s varied offerings through this link.

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