Vietnam does not need to choose between developing a specialised or comprehensive financial centre but can adopt a flexible approach, finance expert Ho Quoc Tuan said ahead of Deputy Prime Minister Nguyen Hoa Binh's UK visit. Tuan, a senior lecturer at the UK’s University of Bristol, said Vietnam could follow Dubai’s model by accelerating fintech and AI-driven digital assets while balancing local and regional ambitions. He cautioned that Ho Chi Minh City and Da Nang should focus on different specialisations to avoid competition. Citing the Global Financial Centres Index, he stressed human capital as a key factor in Vietnam’s financial hub success.