Fintech - Part 4 TOEIC Luyện Thi
Tóm tắt nhanh: News fintech VN 8.5B USD MoMo 30M users SBV sandbox. 3 câu hỏi: market size, leader, regulator.
Monologue
(Broadcast economic news)
Vietnam's fintech sector is booming. According to a new report from the State Bank of Vietnam and the Ministry of Information and Communications, the fintech industry generated eight point five billion dollars in revenue in 2025, up twenty-five percent year-on-year. Mobile wallet company MoMo remains the dominant player with thirty million monthly active users, followed closely by ZaloPay and VNPay. The report highlights rapid adoption of QR-code payments, peer-to-peer lending, and buy-now-pay-later services among Gen Z consumers. SBV Deputy Governor Tran said the central bank will continue to support innovation through its regulatory sandbox, which has approved one hundred twelve fintech pilot projects since 2020. The report also flagged rising cybersecurity risks and called for stronger customer-protection rules.
3 câu hỏi trắc nghiệm
Question 1: What's the fintech revenue?
- (A) USD 5.5B
- (B) USD 8.5B ✓
- (C) USD 12.5B
- (D) USD 25B
Đáp án: (B) - "eight point five billion dollars".
Question 2: Who's the leading wallet?
- (A) ZaloPay
- (B) VNPay
- (C) MoMo ✓
- (D) PayPal
Đáp án: (C) - "MoMo remains the dominant player".
Question 3: How many fintech pilots in sandbox?
- (A) 56
- (B) 88
- (C) 112 ✓
- (D) 250
Đáp án: (C) - "one hundred twelve fintech pilot projects".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| fintech sector | lĩnh vực fintech |
| booming | bùng nổ |
| according to a new report | theo báo cáo mới |
| generated | tạo ra |
| eight point five billion dollars | 8.5 tỷ USD |
| up twenty-five percent year-on-year | tăng 25% so với cùng kỳ |
| mobile wallet company | công ty ví điện tử |
| dominant player | người chơi thống trị |
| thirty million monthly active users (MAU) | 30 triệu người dùng hoạt động hàng tháng |
| followed closely by | theo sát bởi |
| rapid adoption | chấp nhận nhanh |
| QR-code payments | thanh toán QR code |
| peer-to-peer lending | cho vay ngang hàng |
| buy-now-pay-later (BNPL) | mua trước trả sau |
| Gen Z consumers | người tiêu dùng Gen Z |
| Deputy Governor | Phó Thống đốc |
| innovation | đổi mới |
| regulatory sandbox | sandbox quản lý |
| approved | đã phê duyệt |
| pilot projects | dự án thí điểm |
| flagged | cảnh báo |
| rising cybersecurity risks | rủi ro an ninh mạng tăng |
| called for | kêu gọi |
| stronger customer-protection rules | quy tắc bảo vệ khách hàng mạnh hơn |
Traps
Bẫy 1: Revenue
- USD 8.5B, không 25% (= growth rate).
Bẫy 2: Leader
- MoMo, không ZaloPay/VNPay.
Bẫy 3: Sandbox pilots
- 112 projects, không 56.
Topic: VN fintech USD 8.5B revenue 2025 MoMo 30M MAU SBV 112 pilots.
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