Co ng nghe# ta i chi nh (Fintech) a va ang tro tha nh mo# t xu hu o ng ta t ye u trong su # pha t trie n cu a ne n kinh te the gio i trong tho i gian qua vo i su # ta c o# ng ma#nh me tre n mo#i khi a ca#nh cu a ne n kinh te . u ng tru o c nhu ng bie n o i na y, nga nh Nga n ha ng cu ng kho ng the u ng ngoa i cuo# c ua co ng nghe# . Nga n ha ng so a tro tha nh mo# t tu o ng lai ta t ye u cho ca c nga n ha ng truye n tho ng. Tuy nhie n, vo i su # pha t trie n a da#ng cu a ca c co ng nghe# u o #c a p du#ng va phu# thuo# c chu ye u va o ie u kie# n khoa ho#c ki thua# t, kinh te ' va xa ho# i cu a mo i quo c gia ma nga n ha ng so ang pha t trie n theo nhu ng xu hu o ng kha c nhau. Chi nh vi le o , vie# c xa y du #ng nhu ng quy i#nh chung cho hoa#t o# ng cu a nga n ha ng so e a m ba o u o #c ti nh an toa n cho ne n kinh te so cu ng nhu toa n bo# ne n ta i chi nh la mu#c tie u a# t ra cho mo i quo c gia. Ba i vie t du #a tre n su # pha n ti ch, nghie n cu u kinh nghie# m xa y du #ng khung pha p li cho nga n ha ng so ta#i Malaysia e co the u a ra mo# t so go #i y cho vie# c hi nh tha nh ca c quy i#nh nga n ha ng so ta#i Vie# t Nam trong tho i gian to i., To m ta t tie ng anh, Fintech has been becoming an indispensable trend in the development of the global economy in recent times with significant impacts in all the aspects of finance. Witnessing these changes, banking cannot stay out of the race of technology, and digital banks would be an indispensable future of traditional banks. However, with the diversified technology applied and based on the different conditions of technology, economy and society in each country, digital banks have been developing in many different ways.Therefore, publishing a legal framework for digital banks to ensure the safety of digital economy as well as the national finance system, has become the crucial purpose for each country. Based on the analysis and research about the publishing of licensing legal framework in Malaysia, this paper offers recommendations in generating regulations for digital banks in Vietnam in the future.