Abstract

This paper reviews factors influencing Vietnamese youth’s adoption of Fintech, including technology access, perceived usefulness, government support, and financial literacy. While the Vietnamese government has promoted Fintech expansion through financial inclusion strategies and supportive regulations, gaps in financial education remain. Youth engagement with Fintech is shaped by ease of use, user innovativeness, and social influence, though financial risk concerns limit adoption. For sustained growth, focused financial literacy programs and regulatory improvements are essential to unlock Fintech’s potential for economic development and financial inclusion among Vietnamese youth.