The Vietnamese government has set aggressive targets for reducing the amount of cash used by people across the country. The goal is to reduce the amount of ready money changing hands. The government says it wants to cut the total number of cash transactions nationwide to just 10 percent by the year 2020. The effort is part of a campaign aimed at making it easier for Vietnamese citizens to use banking services. The campaign calls for greatly increasing the number of electronic transactions for many goods and services. It includes a goal of having up to 70 percent of utility payments made electronically. Vietnam has already made progress in this area. Many people now make water and power payments electronically at small stores, especially around cities. In the past, people had to either pay in cash at the local post office or wait for a collector to come.