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The experiences of Germany, the Netherlands, and China demonstrate the benefits
of a well-regulated Fintech environment, transparent financial mechanisms, and digital

innovation in promoting green finance. Applying these lessons to Vietnam, it is crucial
to establish a legal framework to support green financial products, develop Fintech
platforms that enhance transparency and efficiency, and foster collaboration between
the government, banks, and Fintech firms. The success of digital banking, green bonds,
and carbon credit trading in these countries provides a roadmap for Vietnam to follow
in expanding its green finance sector.
6. Conclusion
In conclusion, fintech plays a pivotal role in advancing green finance and

promoting sustainable economic development. The study reveals that the experiences of
Germany, the Netherlands, and China demonstrate how fintech enhances transparency,
efficiency, and inclusivity in green finance. Key findings show that fintech innovations
like blockchain, big data analytics, and digital platforms significantly reduce transaction
costs, manage risks effectively, and expand the reach of green finance to a broader
audience.

For Vietnam, these insights are particularly relevant. Adopting fintech solutions
such as blockchain for transparent transactions, developing digital platforms for green
investments, and building a supportive regulatory framework can foster sustainable
finance practices. These measures not only support Vietnam’s commitments to the
United Nations Sustainable Development Goals (SDGs) but also contribute to the
transition towards a green economy.
In essence, Vietnam is at a promising crossroads, where the integration of fintech

into green finance can drive sustainable growth. Leveraging global experiences and
adapting these strategies to the local context will be crucial for Vietnam’s financial
sector to effectively support environmental goals and long-term economic resilience.

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