Three game changers: financial literacy, regulation and trust, and a mindset shift. Nhi says a lot of people don't invest because they don't know where to start, that stronger regulations would bring trust in new financial products, and that the mindset has to move from short-term gains to long-term financial planning.
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She calls financial literacy a key factor — a lot of people simply don't invest because they don't know where to start or how to allocate their money, so educating people about investing from a young age matters. She also points to regulation and trust: in Vietnam the fintech space is still evolving, and stronger regulations and protections would make people more confident to explore options beyond the traditional assets of real estate, bank deposits and gold. Finally, she calls for a shift in mindset — from short-term games to long-term financial planning, and from relying on family support toward more structured long-term planning for goals like retirement, a wedding, or buying a house.