普惠金融显著发展。截至2025年9月底，越南移动支付账户达1089万，其中约70%为农村、山区、 海岛和边境地区用户。交易总量超过2.9亿笔，交易额达8.511万亿越盾，有力推动普惠金融发展，缩小 地区数字差距。越南国家银行已向53家机构颁发支付服务许可证，其中49家提供电子钱包服务。 （原标题：越南银行业数字化转型取得积极成果） 越通社10月30日报道，越南国家银行10月29日公布越南非现金支付及电子身份认证最新成果，数字 支付日益深入民众和企业日常生活，银行业数字化转型取得积极成果。 数字交易强劲增长。与2024年同期相比，全国非现金支付交易量增长43.32%，交易额增长 24.23%。其中，互联网支付交易量增长51.2%，交易额增长37.17%；移动支付交易量增长37.37%，交易 额增长21.79%；二维码支付交易量增长61.63%，交易额增长150.67%，成为发展最快的支付渠道。与此 同时，ATM交易量下降16.77%，交易额下降5.74%，现金使用明显减少。 银行数字化转型取得积极进展。目前，几乎所有基础银行服务均已实现数字化，大多数银行95%交 易通过数字渠道完成，并与电力、自来水、电信、医疗 ...

Group 1 - The company has completed the acquisition of 80% of Hwabao Trust Limited, a company registered under Hong Kong law, which holds a TCSP license, enhancing its service capabilities for Fopay users [1] - Following the acquisition, Fopay will launch two new features: cross-border transfers and QR code payments, aimed at providing a more efficient and cost-effective payment experience for local users in selected markets [1] - The board believes that the acquisition aligns with the overall interests of the company and its shareholders [1] Group 2 - The company will continue to explore new investment and business opportunities for sustainable growth and long-term shareholder returns, including expanding Fopay's service offerings [2] - Compliance with applicable laws and regulations in target jurisdictions is crucial, and the company will ensure that any new investments and service expansions through Fopay adhere to these legal requirements [2] - The company may collaborate with qualified service providers or business partners, or obtain necessary licenses through acquisitions to ensure compliance [2]

Core Viewpoint - The current payment industry in China is transitioning from rapid development to high-quality development, facing structural and institutional challenges that need to be addressed, with interoperability being a necessary path to resolve issues in the payment sector [1][2][3]. Industry Challenges - The payment industry in China is characterized by high concentration, with issues such as network and standard incompatibility, insufficient industry collaboration, and a lack of sustainable development capabilities [2][3]. - The domestic QR code payment market has developed multiple standards and networks, leading to inadequate interoperability and compatibility among different networks, which hampers efficient resource utilization [2]. - The cross-border payment sector suffers from insufficient coordination, with a two-way connection model leading to issues like redundant construction and resource waste, affecting the efficiency and user experience of foreign wallet integration [2][4]. Interoperability as a Solution - Promoting interoperability in QR code payments is seen as a crucial breakthrough to address the aforementioned challenges, with a focus on creating an open and win-win industrial consensus [3][4]. - A systematic framework for promoting payment interoperability will be established, addressing key aspects such as rules, pricing, network connectivity, infrastructure interconnection, and regulatory governance [3][4]. Progress and Initiatives - Significant progress has been made in promoting interoperability, including the successful establishment of a new path for rapid payment system interoperability between mainland China and Hong Kong, which has been operational since June [4][5]. - The People's Bank of China has guided the establishment of a cross-border QR code unified gateway, which has processed 198.1 million transactions amounting to 427 million yuan as of September 11 [5][6]. Future Directions - The People's Bank of China aims to further enhance the cross-border payment interoperability mechanism, focusing on collaboration among government, infrastructure, and market entities to strengthen China's global financial connectivity [7][8]. - There is an emphasis on building a more open and efficient domestic QR code payment network, encouraging market institutions to engage in interoperability cooperation while optimizing the industry ecosystem [7][8].