The event took place amidst a series of consecutive partnerships that TNEX Finance has forged with various industry leaders, ranging from top technology companies to prominent domestic corporations.
Through this collaboration, TNEX Finance and MISA introduced dedicated digital credit products for individuals and households, deployed on the MISA Lending platform. Users of MISA’s accounting, sales, e-invoice, and personal financial management software can now access 100% online loans without collateral requirements. The streamlined process shortens the approval time to just 5 minutes.
Notably, the lending service is seamlessly integrated into the familiar software management ecosystem, enabling individuals and households to access funds effortlessly without leaving their trusted platform. This marks the beginning of a journey towards offering a broader range of digital financial products, aiming to provide a more comprehensive and optimized experience for all customer segments.
“With our smart, modern, and user-friendly digital financial platform, TNEX Finance is committed to expanding our ecosystem,” said Mr. Nguyen The Minh, CEO of TNEX Finance, at the signing ceremony. “Our collaboration with MISA is a significant step forward, combining technological prowess and financial services to offer a swift, transparent, and secure borrowing experience. We believe that this partnership will empower our customers to optimize their financial management, access capital efficiently, and contribute to promoting financial inclusion and sustainable development for the business community in Vietnam during the digital age.”
Representatives of TNEX Finance and MISA signing the cooperation agreement. Source: TNEX Finance
Technology as the Foundation for Breakthrough
TNEX Finance takes pride in its superior technology, turning once-fantastical concepts into reality. With dozens of critical reporting systems operating on its digital financial platform, real-time data processing, and customer data precision down to individual “footsteps” within hundreds of billions of data rows, the company has achieved a quantum leap in operational efficiency. This has led to a twofold increase in automation in debt collection, resulting in a more transparent and professional experience for customers. As of August 2025, TNEX Finance has earned the trust of 2.3 million customers, with a consistently growing monthly customer base.
Vietnam’s Fintech Market: A Burst of Opportunities
Vietnam’s fintech market is experiencing robust growth, with a size of 15.67 billion USD in 2024 and an expected surge beyond 50 billion USD by 2030, as per Research and Markets. This boom is propelled by technological advancements and shifts in digital consumer behavior, including an 84% smartphone penetration rate, nearly 80 million regular online users, and approximately 85% of consumer transactions occurring digitally. Additionally, the government’s target of ensuring 80% of the population has a bank account by the end of 2025 will provide a significant boost to the adoption of digital finance.
In this context, embedded finance—the integration of financial services into non-financial platforms such as e-commerce or business management software—is emerging as the new frontier. This model bridges the gap between financial services and real-world needs, allowing users to borrow and transact within their familiar digital ecosystems.
Long-term Prospects
In Vietnam, this trend is gradually making its way into various platforms. The partnership between TNEX Finance and MISA exemplifies this shift, and TNEX Finance’s additional collaborations with prominent partners in 2025, including Zalopay, Fiza, and NextPay, reinforce its commitment to building a comprehensive digital financial ecosystem. With the market projected to reach tens of billions of dollars in the next 5-10 years, the strategy of “shifting from competition to collaboration” not only enhances the company’s market share but also plays a pivotal role in shaping the future of digital finance in Vietnam.
The Future of Finance: 5 FinTech Trends Set to Disrupt the Industry by 2025
These advancements are not merely transformative in the way financial services are delivered and consumed, but they also meet market demands with unparalleled security, superior convenience, and heightened personalization.
