Abstract
The objective of the study is to evaluate the impact of Fintech on bank efficiency using comprehensive methods to effectively measure the level of Fintech application within the banks (Bank Fintech) and bank cost efficiency through a research sample of 32 Vietnamese banks in the period 2018- 2022. The research findings show that the level of bank Fintech has a positive effect on the bank's cost efficiency and this effect will be stronger after the Covid pandemic and for unlisted banks. The research findings also highlight strategic suggestions for banks on the path to finding the most relevant Fintech investment models aligned with the economic context and the banks’ competitive advantages
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