롯데카드, 베트남법인 3년 연속 흑자 도전…'독자조달' 기반 갖추나

Lotte Finance Vietnam achieved profitability in Q1 and is positioned for three consecutive years of positive earnings, providing crucial revenue stability as the parent company faces domestic regulatory sanctions. The subsidiary's differentiated strategy—combining digital lending with BNPL services and targeting high-quality borrower segments—exemplifies how focused fintech operations in emerging markets can offset domestic challenges. However, the real test lies in achieving financial independence through self-reliant funding mechanisms, which will determine long-term viability.