Originally from California, but now living in Vietnam for the last 3 years. My experience here is that what you're asking about is actually something very common.

People in small villages have modern cell phones and thanks to the govt military owning the primary telco, fast internet. They might not have access to a bank due to being so remote. They also don't trust their banks, for good reason [1].

[1] https://e.vnexpress.net/news/news/vietnam-bank-ceo-gets-life...