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A model for nonlinear near-bed orbital velocity in shallow water was developed. The equations proposed by Isobe and Horikawa (1982) to calculate the near-bed peak onshore and offshore orbital velocities in the nearshore were modified in order to achieve more accurate predictions. Based on field data from Egmond Beach in the Netherlands, the correction coefficient and maximum skewness were determined as functions of the Ursell number. The model was validated against several different data sets collected during small-scale laboratory experiments at Delft University of Technology, large-s cale laboratory experiments in the Delta flume of Delft Hydraulics, and field campaigns at Egmond beach. The validation showed that the model reproduced well the measurements from both the laboratory and the field.

In recent year, when the 4th industrial revolution explored around the World, digital age has opened a new trend of payment. One of its achievement is using fin-tech to develop bank and finance field. Following that trend, there are many fin-tech companies established in Vietnam now. The rapid increasing in the number of Vietnam start-ups operating in the financial services sector, along with a corresponding growth in investment in this sector, has attracted significant attention from observers and the media. Vietnam currently ranks second amongst ASEAN member states in the number of incubators, accelerators, and innovation labs in the region. However, Fin-tech in Vietnam is still facing with many problems, such as the lack of legal system to govern inclusive activities of fin-tech companies is example. In this paper, the author will give some statistic and information of status using Fin-tech in Vietnam. The paper will analyze the problems Vietnamese fin-tech company facing now. Then, the author will give recommendation to suggest some solutions to improve the stature of Fin-tech in the next period. To do this research, the author use many methodologies such as using data base of some organization, analysis and assessment, make survey, refer regulation and law of Vietnam, etc.