Tool 3 of 3 · Scenario Modeling

Policy Scenario Simulator

Dial four policy levers and observe their compounding effect on rural fintech adoption over five years. The model uses diminishing returns to prevent over-optimistic projections.

Policy Levers

Corporate Tax Incentive0% reduction

+0.5% adoption per 10% tax reduction

0% reduction50% reduction

Agent Banking MandateVoluntary

Voluntary → +0% | Soft target → +2% | Hard mandate → +5%

Direct Subsidy per Rural AccountNone

+0.3% adoption per 20K VND subsidy

None100K VND

Digital Literacy Funding / yearNone

+1% adoption per 100B VND

None500B VND

5-Year Cost-Benefit Summary

Year 5 Adoption (Policy)

16.8%

vs 16.8% baseline

Population Reached

10.4M

+0K incremental

Total 5Y Policy Cost

Zero cost

subsidy + literacy + tax

Cost per Person Added

N/A

incremental reach only