Top fintech companies in Vietnam driving digital payments, banking, and investment innovation for a tech-savvy population.

Top Fintech Companies in Vietnam Driving Innovation Across Digital Banking & Investment

Published on: July 07, 2024
Last updated: November 28, 2025 Read in fullscreen view

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Introduction

As global financial hubs increasingly look to Southeast Asia for growth, Vietnam stands out as a rising powerhouse. Ranked among the top three economies in the region, the country has attracted significant attention from multinational corporations seeking to outsource financial services and tap into its rapidly growing tech-savvy population. The Vietnamese fintech ecosystem has quickly matured, offering innovative solutions across payments, lending, and wealth management. Here are the top fintech companies in Vietnam that are shaping the financial landscape.

1. MoMo

MoMo is Vietnam’s leading mobile wallet and payments platform, offering a wide range of services from bill payments to money transfers and online shopping. With over 40 million users, MoMo has become a household name and a key player for companies looking to integrate digital payments in Vietnam.

2. Timo

Timo is one of Vietnam’s first digital banks, redefining traditional banking with a fully digital platform. It provides services such as personal banking, savings accounts, and lending without the need for physical branches, catering to the growing demand for cashless banking solutions.

3. VNPay

VNPay specializes in QR-based payment solutions and has partnerships with major banks and e-commerce platforms. Its QR code payment system is widely adopted, enabling seamless transactions in both online and offline environments.

4. Moca

Moca, integrated with Grab, offers digital wallet services and in-app payments for transportation, food delivery, and more. Its strong ecosystem presence makes it a convenient choice for millions of Vietnamese users.

5. Finhay

Finhay is an innovative micro-investment platform that allows users to invest small amounts in diversified portfolios. It targets young professionals seeking to build wealth gradually and educates the public about investment culture.

6. Alepay

Alepay focuses on providing payment gateway solutions for businesses of all sizes, offering secure and efficient methods for online transactions. It is a critical partner for e-commerce businesses looking to expand in Vietnam.

7. Cake by VPBank

Cake is a neo-bank by VPBank, offering a fully digital banking experience with features like instant money transfers, budgeting tools, and loyalty rewards. Its intuitive platform appeals to younger consumers accustomed to mobile-first services.

8. Payoo

Payoo is another major digital wallet and payment service provider, facilitating utility payments, online shopping, and top-ups. It also collaborates with banks and telecom companies to expand its reach across the country.

9. Trusting Social

Trusting Social leverages artificial intelligence to provide credit scoring solutions for unbanked populations. By analyzing mobile data and alternative credit indicators, it helps financial institutions extend loans to underserved communities.

10. Tima

Tima is a peer-to-peer lending platform connecting borrowers with lenders. Its transparent and convenient approach has made it a trusted choice for small business owners and individuals seeking accessible financing solutions.

Closing Thoughts

Vietnam’s fintech sector is thriving, driven by a young, tech-savvy population and a favorable economic outlook. With global corporations increasingly outsourcing financial services to the region, these fintech companies are not only shaping Vietnam’s financial ecosystem but also positioning the country as a critical hub for Southeast Asia’s digital economy.

Also Read: Top Blockchain Companies in Vietnam

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