In my perspective, Vietnamese continue to choose cash over other payment options like credit cards and mobile payments. Because Vietnam is a cash-only country, markets, street food, and small eateries may not take credit cards. In addition, I can list a number of contributing factors, such as a lack of understanding of how digital payments operate and how to use them; concerns regarding personal financial privacy; and the possibility that small and medium-sized businesses will incur higher expenses due to electronic payments.