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In recent times, Fintech has developed rapidly along with the development of technology. The Covid-19 lockdown has created a huge opportunity in terms of increasing the number of users, and users' experience. Previous studies have shown a number of factors affecting the use of financial technology services. However, what are the factors that are caused by the Covid-19 epidemic, and the ability to enhance competitive advantage and retain users is still lacking. Data were collected in Vietnam,doi:10.46223/hcmcoujs.econ.en.11.2.1799.2021 fatcat:aiuoqz7x4vgrbbeeoaj3xrrol4