最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务监管与政策

监管政策阻碍越南数字支付发展

据英国《金融时报》报道,越南一直希望成为一个无现金社会,然而前进的路上却出现了不小的障碍。

而这个障碍不是投资,而是源于越南国家银行指定的电子钱包监管规定。

越南政府本来计划到2020年将城市家庭现金交易总量减少一半,但是目前却因为监管问题,越南在东盟五国反而成了移动支付发展最缓慢的国家。

问题的症结就出现在越南央行2014年的一条监管规定。根据该规定,数字钱包账户必须与该用户个人名下的银行账户绑定。也就是说,如果这个消费者在越南没有银行账户,他就无法享受电子钱包服务。

这类规定在中国执行得就比较好,因为中国有80%的用户都拥有银行账户,而这个数字在越南只有31%。

此外,由于去年越南政府加大了对匿名数字钱包相关的非法赌博行为的打击,这方面的监管规定更是进一步收紧。

当然,越南市场中的移动支付平台和消费者都非常不喜欢这项规定。

拥有1000万用户并且是越南最受欢迎的数字钱包公司的Momo表示,将从今年1月1日起冻结没有关联银行账户的数字钱包账户。而共享出行平台Grab也不得不公开道歉,因为使用其电子钱包的用户也必须绑定自己名下的银行账户。

目前,一些金融科技公司正在就此问题对越南政府进行游说,有迹象表明政府可能正在倾听,比如越南央行可能正在考虑允许直接通过现金充值数字钱包。

Vietnam wants to be a cashless society, according to a report in Financial Times, but bank regulations are hindering the country’s ability to do so.

The problem isn’t a lack of investment in the sector, or cash flow to grow market share for companies in the field – it’s the restrictive rules on e-wallets created by the State Bank of Vietnam.

The government recently set a goal to reduce cash transactions in urban households in half by 2020. However, because of the regulation issue, Vietnam is behind other countries in the ASEAN 5, and there’s no change in sight unless regulations change.

The main point of contention is a 2014 central bank rule that requires digital wallet accounts to be tied to a bank account held by the same person. So, if a consumer doesn’t have a bank account in Vietnam, he can’t get an e-wallet.

In the last year, compliance has tightened up, too, because of a crackdown on illegal gambling mostly paid for with anonymous digital wallet transactions.

The Vietnamese don’t like the regulation, which is dissuading the adoption and spread of cashless payments in the country. Momo, which has 10 million users and is the most popular digital wallet company in Vietnam, said it was freezing wallets with no associated bank accounts on Jan. 1.

Ride-hailing company Grab had to apologize publicly for introducing an e-wallet that forced its users to register a bank account.

Registration is also hampered by internet banking, which in Vietnam is an add-on service that carries a monthly fee and is disliked by retail account holders.

The bank account requirement works better in China, where 80 percent of people have bank accounts. In Vietnam, though, only 31 percent of adults have a bank account, which means the ceiling is low for new digital wallets.

Some FinTech companies have been lobbying the government for a change, and there are signs that the government may be listening. The central bank in Vietnam wants to look into allowing direct cash top-ups for digital wallets, something that would distance the sector from the bank account requirement.

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