Vietnam still spends 90% of expenditure by cash.

 

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Vietnam has the lowest non-cash transactions in the region. (Source: World Bank Statistics)

According to the World Bank (WB), Vietnam had the lowest non-cash transactions in the region at 4.9%. While this rate in China is 26.1%, Thailand is 59.7% and Malaysia is 89%. Although e-commerce in Vietnam has the highest growth rate in the region, however, the online payment rate is very low.

http://vtv.vn/kinh-te/viet-nam-van-con-chi-tieu-bang-tien-mat-toi-90-2018071616080418.htm