Exceptional Digital Payment Solutions for Vietnamese Users
Pay Later Wallet is a consumer credit product offered by credit institutions, seamlessly integrated into the MoMo Super App. Users are granted a spending limit (ranging from 1 to 20 million VND) immediately upon registration and approval, enabling them to utilize thousands of services on MoMo, including bill payments, in-store QR purchases, movie tickets, flight bookings, and food orders.
This product stands out for its accessibility, requiring no income verification and taking just 3 minutes to open and approve. Users can choose between immediate payment, deferred payment, installment plans, or minimum payment options. With its convenience, Pay Later Wallet allows customers to pay for all services available on MoMo, along with monthly promotions.
Innovative Credit Solutions
Asia Commercial Bank’s (ACB) “First Home” program is not just a loan product but a revolutionary approach to home credit for young customers. By combining AI/ML technology, a fully digital process, and a customer-centric philosophy, the program has created a comprehensive financial ecosystem, helping millennials and Gen Z realize their dream of homeownership.
Breakthrough Cashless Payment Solutions
Launched in 2023, KienlongBank’s MyShop & Paybox duo quickly became a comprehensive financial management tool for hundreds of thousands of shop owners, retailers, and businesses.
Outstanding AI-Powered Digital Bank
Cake by VPBank is Vietnam’s pioneering digital bank, leveraging AI across all operations as part of its Next Gen AI Bank strategy. The entire AI system is developed by Vietnamese engineers, with over 100 AI models currently in operation.
Image Caption
Exemplary Financial Investment Platform
TOPI, launched in 2022 by VAM Investment Corporation, is a multi-asset financial management and investment platform. It allows users to manage assets and invest in a single app, offering savings, fund certificates (stocks/bonds/balanced), DOJI gold, and stock trading, catering to both safe savings and capital growth needs.
Outstanding Comprehensive Financial Ecosystem
Viettel Money offers over 350 diverse services, including cashless payments, savings, investments, loans, insurance, and accumulations. Notably, its Mobile Money account enables unbanked individuals to easily deposit, withdraw, and transact via mobile phones.
Initiatives like Market 4.0 and Commune 4.0, along with 300,000 payment points and 100,000 deposit/withdrawal points, have narrowed the digital divide, bringing financial services to rural and mountainous areas.
Innovative Digital Bank
Transforming from a traditional bank, Vikki Digital Bank has become a pioneering digital bank with remarkable business achievements.
Under the government’s restructuring and the State Bank’s digital transformation guidance, Vikki launched several new services within 7 months, including cross-border QR payments, online currency exchange, quick savings, simplified consumer loans, and Vietjet flight bookings, all via the Vikki app.
Outstanding Credit Card Innovation for Vietnamese Users
In the era of rapid digital technology, cashless payments have become essential in modern life. The Vietnamese government is strongly promoting digital transformation, enabling citizens to access smart, convenient, and secure payment solutions.
Among these, VikkiGO credit card stands out as an indispensable companion, offering fast, seamless, and secure transactions, easy expense management, and a design suited to today’s busy lifestyle.
Impressively Breakthrough Financial Ecosystem
HDBank made a strong impression with the launch of its Next-Gen Digital Banking Trio in 2025, offering a smart, secure, and comprehensive financial ecosystem for users.
Most Loved Financial Brand of the Year
HDBank introduced its Next-Gen Digital Banking Trio, including DiHDBank, DiHDBiz, and the Digital Core Thought Machine project. Launched in Vietnam in 2025 with State Bank approval and PCI DSS certification, this ecosystem marks a significant step in the financial sector’s digital transformation.
Duc Khuong
Unlocking Global Opportunities: SeABank’s Comprehensive Financial Solutions for FDI Enterprises
The consistent influx of FDI into Vietnam underscores its emergence as a new hub for multinational corporations. Its strategic location, abundant workforce, and open financial environment continue to powerfully attract international investors.
Digital Finance: The Key to Driving Sustainable Consumption in Vietnam
Digital finance is poised to play a pivotal role in shaping sustainable consumer lifestyles, a trend gaining significant momentum worldwide.
SeABank: Comprehensive Financial Solutions for FDI Enterprises
The consistent influx of FDI into Vietnam underscores its emergence as a new hub for multinational corporations. Its strategic location, abundant workforce, and open financial environment continue to powerfully attract international investors.
Viettel Money vs HDBank: The Battle for Financial Ecosystem Supremacy – Who Deserves the Crown?
On one side, a focus on broad reach and ultra-low barriers to entry aims to attract new users to digital platforms. On the other, a push for seamless architecture and one-touch experiences reflects a distinct approach to engaging Vietnamese users. This year’s race perfectly encapsulates these two contrasting strategies.
The Rise of Retail and Green Banks: OCB Embraces Digital Transformation, Betting Big on Open Banking
At OCB, the strategy of prioritizing retail and green growth is translating into tangible results in operations and business performance. This approach not only drives the bank’s success but also enables it to make significant contributions to society and the national budget.
