According to the article, Vietnam’s National Digital Transformation Programme by 2025 has accelerated the inclination towards fintech. Housing close to 200 fintech organizations, now 66% of adults have payment accounts as listed by the Ministry of Planning and Investment. Not to forget, the perfect medley of 91.3 million smartphone subscribers and an internet penetration rate of 73.2 percent have made the situation more conducive for the industry's growth. “The success of these promising fintech organisations has been linked with their close ties with the banking sector that has created invaluable synergies,” said the article. It said: "For big players, investors and even newcomers, the current nascent stage and relatively small size of the country's fintech market is making it particularly attractive for investment, considering there are a plethora of opportunities to get involved and scaling big”./.