Cash-used payment has reduced from 14.02% in 2010 to 12% at present, it reported.
A number of payment methods and services based on technology have been introduced to payers and the economy.
According to the department, 96.2 million cards have been issued nationwide, up 210% from early 2011.
There are 60 organisations providing Internet Banking payment services and 30 organisations providing Mobile Banking payment services.
The payment infrastructure has been improved, evidenced by the rapid increase of ATMs and Point-of-Sale (POS), by 47% and 300%, respectively.
Commercial banks are interested in developing retail banking services and individual customers with the number of individual accounts reaching 57.8 million.
Some commercial banks implemented services for paying electricity and water bills, telephone, telecom, insurance, and cable television fees, among others.