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significant amount of funds from a large number of individuals through small
investments, which will go toward the project's implementation. Digital tools from

Ecoligo enable remote management and monitoring of renewable energy projects. One
such tool is the ability to track the effectiveness of solar power systems and make sure
they run sustainably and efficiently. Investors receive returns on their investments in
exchange for funding specific projects, such as solar power systems for hospitals,
schools, or businesses (Cite Nenavath & Mishra, 2023).
In the Netherlands, Triodos Bank is an international institution renowned for its
strong commitment to sustainable finance and projects with positive social and
environmental impacts. Triodos Bank offers digital banking services through online

platforms and mobile applications, allowing customers to manage their accounts,
perform transactions, and monitor their finances with ease. The bank also engages in
peer-to-peer lending, utilizing Fintech platforms to connect investors with capital-
seeking projects, particularly those with positive social and environmental impacts.
Triodos Bank focuses on providing financial products and services for projects and
businesses that have a beneficial effect on society and the environment. The bank is

committed to investing only in sectors such as renewable energy, healthcare, education,
and culture, avoiding industries that harm the environment or society. Triodos Bank
provides detailed information on how customers' money is utilized and invested,
publicly disclosing a list of investments and projects its funds (Bhattacharyya, 2022).
Zhejiang Bank's green credit management system in China uses fintech to facilitate
the granting of green credit. To determine green credit judgments, the system assesses
projects' environmental impact using China's green criteria and calculates their

environmental benefits depending on input parameters. This strategy helps the bank
manage environmental hazards related to loan projects while simultaneously cutting
costs. The Ant Forest Initiative by Ant Financial is another noteworthy endeavor. This
project uses digital technology to raise money for tree planting. Users can earn green
energy through the app by using Alipay to make low-carbon transactions. Ant Financial
plants a real tree in Western China when the total amount of green energy collected

reaches 17.9 kg. The project has enhanced user awareness of environmental issues and
encouraged the adoption of low-pollution products and services (Zhou et al., 2022).
5. Solutions for Vietnam
According to estimates from the World Bank (WB) in the Vietnam Economic
Update Report (August 2023), Vietnam's additional financial needs to address
challenges related to climate change and green transition could reach approximately
USD 701 billion during the 2022-2040 period, equivalent to 6.8% of GDP annually. The
United Nations Development Programme (UNDP) estimates that to achieve a net-zero

emissions commitment by 2050, Vietnam will require between USD 330 billion and
USD 370 billion. Additionally, the Ministry of Natural Resources and Environment
estimates that the financial needs for emission reduction measures in

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