10. Vietnam

Vietnam’s fintech sector is undergoing rapid change, making it not entirely surprising that it’s the least dependent on cash overall on this list. 

Fintech grew 179% between 2017 and 2020 and payments are its largest segment. This is one country in particular to watch in the coming years.

Cash transactions: 26%

Population unbanked: 69%

ATMs per 100,000 adults: 25.9