TNEX Partners with KiotViet: Digital Finance Solutions for Small Businesses

TNEX and KiotViet Forge the Future of Digital Finance for Vietnamese Household Businesses

Over 5 million household businesses, a vital force contributing significantly to the nation’s GDP, face a critical challenge: accessing formal capital quickly and conveniently. The persistent need for “hot” capital to purchase inventory and sustain business operations is often hindered by complex and time-consuming traditional approval processes. This gap has become a bottleneck, stifling the growth potential of millions of businesses. Addressing this challenge, the strategic partnership between TNEX and KiotViet emerges as a pivotal step toward providing “barrier-free digital capital,” bridging the financial divide and expanding equal opportunities for household businesses, particularly multi-channel sellers.

TNEX, a digital financial platform within the MSB Bank ecosystem, boasts over 2.3 million users and a flagship product honored as the “Consumer Financial Product of the Year.” Meanwhile, KiotViet, Vietnam’s leading sales management platform, supports over 300,000 stores nationwide. Both brands share a vision to digitize the operations of individual household businesses in Vietnam.

While TNEX champions the message “Safe Finance – Barrier-Free Living,” aiming to build a comprehensive financial ecosystem beyond individual loan products, KiotViet’s mission to “Digitally Empower Every Vietnamese Store” transcends its role as a management software, becoming a full-fledged digital arm supporting sales operations. This synergy creates a multifaceted solution where intelligent capital and efficient management tools converge, enabling Vietnamese household businesses to access funds, optimize operations, and achieve sustainable growth in the digital era.

When Visions Align – TNEX x KiotViet: Crafting an Optimal “Embedded Finance” Ecosystem

The collaboration between TNEX and KiotViet is united by a shared goal: “Leveraging technology as the foundation, placing small business owners at the core.” This alignment has laid a robust foundation for a globally trending model: “Financial Embedded Partnership,” where finance is seamlessly integrated into technology ecosystems, ushering in a new era of seamless customer experiences. By combining TNEX’s secure digital financial capabilities with KiotViet’s convenient management technology, the two brands empower business owners with three essential tools for financial freedom: access to capital for seizing opportunities, tools for optimized operations, and the freedom to scale. This partnership exemplifies TNEX’s commitment to eliminating financial barriers for Vietnamese household businesses, ensuring “Safe, Convenient, Barrier-Free Finance,” and narrowing the long-standing gap between formal finance and the real economy.

TNEX representatives signing the partnership agreement with KiotViet. (Photo: TNEX)

Mr. Nguyễn Thế Minh, CEO of TNEX, shared: “Digital finance is not just a product but a right to access opportunities. Our partnership with KiotViet is the gateway to bringing the spirit of ‘safe finance – barrier-free living’ to every store and household business in Vietnam.”

Solutions for Household Businesses: Merchant Lending

Through this partnership, the household business community, especially multi-channel sellers on leading e-commerce platforms like Shopee, TikTok Shop, and Lazada, can access a “smart financial arm” directly within the familiar KiotViet management platform.

Developed by TNEX Finance on the TNEX app, this solution introduces groundbreaking advantages: flexible credit limits ranging from 30 to 100 million VND, assessed based on actual business performance without collateral requirements; swift approval and instant disbursement to TNEX accounts; an AI-driven smart credit assessment system based on real sales data, entirely online without meetings or delays; flexible repayment terms of up to 24 months; and attractive interest rates catering to various needs, from inventory purchases to business expansion.

Merchant Lending is just one standout component of the comprehensive digital financial ecosystem TNEX is building. Beyond loans, TNEX offers a holistic financial experience with products like Consumer Loans, approved automatically within 2 minutes, a “Buy Now, Pay Later” feature with 35 interest-free days, and intelligent personal financial management tools. All these services operate on a modern, secure technology platform, ensuring a future where every user can access and enjoy a seamless, safe, and barrier-free financial ecosystem.

With this solution, TNEX and KiotViet are not just providing capital but also opportunities for each household business to confidently build a sustainable future. This journey unites finance, technology, and people, creating a foundation that places small business owners at the heart of development in the digital age.