Fintech Vietnam Report 2015

@FintechVN
FINTECH
VIETNAM
FINTECH
VIETNAM
Start-Ups
POWERED BY FINTECH MEETUP VIETNAM
FIND US: http://www.meetup.com/Fintech-Vietnam-Meetup/
Version 0.9 DECEMBER 2015

@FintechVN
FINTECH
VIETNAM
INTRODUCTION

@FintechVN
FINTECH
VIETNAM
Fintech Vietnam Start-Ups
Global Index
IN THE WORLD
Population: 90 Million
GDP Growth Rate: 2nd
Internet Penetration: 39%
Remittance:
•  2014 12 Billion $
•  2015 13-14 Billion $
IN ASIA
Internet Users: 7th
Digital Access: 0.31
Mobile Penetration: 24%
Smartphone Penetration: 15%
Bank Account Penetration: 20%
Credit Card Penetration: 3%
Source: Vietnam Digital Landscape 2015 – Moore CorporaBon
KPBC Internet Trends 2015

@FintechVN
FINTECH
VIETNAM
Vietnam Digital Marketing Overview
90.493.352
§  Total Population
49.6%
50.4%
Male
Female
31%
69%
Urban
Rural
Population by Gender
Population by Region

@FintechVN
FINTECH
VIETNAM
Vietnam Population Structure by Age
2.80%
4.20%
6.20%
6.80%
7.30%
7.60%
7.90%
8.50%
8.50%
9.20%
8.20%
7.90%
8.00%
60-64
55-59
50-54
45-49
40-44
35-39
30-34
25-29
20-24
15-19
09-14
05-09
00-04
Vietnam Population Structure by Age
DIGITAL IMMIGRANTS 42%
This older generation knew internet
when they were an adult. They often
feel the need to always learn to
adapt with the new technologies.
DIGITAL NATIVE 58%
This younger generation born and
live in the internet era. They tend
to be trend leaders

@FintechVN
FINTECH
VIETNAM
Vietnam Internet User
0.2
3.3
10.7
14.7
17.7
20.8
22.8
26.8
30.6
34.9
36.1
39.8
0
5
10
15
20
25
30
35
40
45
2000 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2013
Vietnam Internet User
Number of User in Million
44% of Vietnam total population is Internet User

@FintechVN
FINTECH
VIETNAM
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Banking
Shopping
Map Usage
Product Information
Game
Email Checking
Online Video
Music
Search
Social Networks
Online activities Vietnamese people do on mobile devices
Banking
Shopping
Map Usage
Product Information
Game
Email Checking
Online Video
Music
Search
Social Networks
Mobile Online Activities

@FintechVN
FINTECH
VIETNAM
Initiatives and Activities
FINTECH
VIETNAM
Twitter
@FintechVN
Founded
2015
Initiative
Fintech Vietnam
Facebook
facebook.com
/FintechVN
Meetup
meetup.com/
Fintech-Vietnam-Meetup/
Facebook Group
N/A
Founded
2014
Initiative
Bitcoin Saigon
Facebook
facebook.com
/BitcoinSaigon
Meetup
meetup.com/
Bitcoin-Saigon-Meetup
Participants i.e.
1.  Standard Chartered
2.  Dragon Capital
3.  M_Services
4.  FPT Ventures
5.  IDG Ventures
6.  LoanVi
7.  NexTTech
8.  Fundstart
9.  1Pay
10.  MyMoney.vn
Founded
2015
Initiative
Fintech Vietnam Club
Initiative
UK Fintech Roadshow
Website
gov.uk/government/
organisations/
uk-trade-investment
Event
12. - 15. Jan 2016
Contact
Nam Nguyen
Deputy Head UKTI,
British Embassy
Hanoi,
31 Hai Ba Trung Street,
Hanoi, Vietnam
Tel: +84(0)4 3936 0500
Email
nguyen.nam@fco.gov.uk
Facebook Group
facebook.com/groups/
VietnamFinTech/

@FintechVN
FINTECH
VIETNAM
Media
Description
Fintech Singapore News informs daily about financial technology in South-East Asia - i.e. Mobile
Payment, Personal Finance, Bitcoin, Blockchain, Robo Advisor and Lending.
Category
fintechnews.sg/
vietnam
Founded
2014
Topic
Fintech
Media
Fintech Singapore
Website
fintechnews.sg

@FintechVN
FINTECH
VIETNAM
AGENDA

@FintechVN
FINTECH
VIETNAM Agenda
LENDING
BITCOIN/BLOCKCHAIN
POS MANAGEMENT & FACILITORS
CROWDFUNDING
PERSONAL FINANCE
MOBILE PAYMENT
OVERVIEW
DATA MANAGEMENT

@FintechVN
FINTECH
VIETNAM
Overview
Start-UpsTopic
Mobile Payments
Bitcoin Blockchain
Crowdfunding
Personal Finance
1 Pay MoMo Payoo
POS Management &
Faciliators
Hottab SoftPay
Cash2vn Bitcoin Vietnam
Lending
LoanVi
Trusting Social
FundStart
MoneyLover
Data Management
CircleBi
VBTC Bitcoin
Firststep
MobiVi
Vimo Moca VNpay Ononpay Vinapay

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FINTECH
VIETNAM
Mobile Payment
1Pay
Description
The basic idea is that merchants can go to the 1Pay website , create an account, thus giving them
access to the API key and SDK to integrate payment via mobile for their games, content, or mobile
apps. It allows customers to pay by SMS, online, and via prepaid cards for purchases via their
mobile. Basically, you can buy things on your mobile in Vietnam now with 1Pay, and merchants can
check and collect all their sales in a dashboard provided by 1Pay.
Country/City
Vietnam/Hanoi
Founded
2013
Topic
Mobile Payment
Company
1Pay
Website
1pay.vn

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FINTECH
VIETNAM
Mobile Payment
MoMo
Description
MoMo is an e-wallet and mobile payments app. MoMo enables users to pay online and make peer-to-
peer transfers in just a few seconds. With MoMo, users can make transactions such as buy games
credit, top up, as well as pay their utility bills. MoMo currently supports payments to nearly 100
services providers and online businesses.The payment system is integrated with 24 domestic banks,
as well as international payments networks including Visa, MasterCard and JCB.
Country/City
Vietnam/Saigon
Founded
2014
Topic
Mobile Payment
Company
MoMo
Website
momo.vn

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FINTECH
VIETNAM
Mobile Payment
Payoo
Description
Payoo is an e-wallet services company designed to “assist users in buying, selling and making
transactions” online. Payoo offers services to both individuals and businesses. For personal users,
Payoo provides a digital wallet that can be loaded via bank transfer to make purchases on the
Internet; for businesses, Payoo’s e-wallet acts as an intermediary to enable online businesses to
accept payments online.
Country/City
Vietnam/Saigon
Founded
2014
Topic
Mobile Payment
Company
Payoo
Website
payoo.vn

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FINTECH
VIETNAM
Mobile Payment
Vimo
Description
Vimo is an e-wallet and mobile payments app. Vimo enables users to pay online and make peer-to-
peer transfers in just a few seconds.
Country/City
Vietnam/Hanoi
Founded
2014
Topic
Mobile Payment
Company
Vimo
Website
vimo.vn

@FintechVN
FINTECH
VIETNAM
Mobile Payment
Moca
Description
Moca is a premier payment company providing the most innovative mobile payment solution with the
best customer experience.
Country/City
Vietnam/Hanoi
/Saigon
Founded
2013
Topic
Mobile Payment
Company
Moca
Website
moca.vn

@FintechVN
FINTECH
VIETNAM
Mobile Payment
VNPay
Description
VNPAY connected and cooperated with banks to establishment of a payment solution basing on
modern means such as : Mobile Banking, VnTopup, Bill Payment VnPayBill, Online services portal -
Vban.vn, VnMart e-wallet, Utility sim, Selling air tickets.
Country/City
Vietnam/Hanoi
Founded
2007
Topic
Mobile Payment
Company
VNPay
Website
vnpay.vn

@FintechVN
FINTECH
VIETNAM
Mobile Payment
Ononpay
Description
OnOnPay is an online topup tool for pre-paid mobile users in Vietnam, aiming to expand to Southeast
Asia region. OnOnPay brings convenience, rewards and next level of customer service to all users
and transactions.
Country/City
Vietnam/Hanoi
Founded
2015
Topic
Mobile Payment
Company
Ononpay
Website
ononpay.vn

@FintechVN
FINTECH
VIETNAM
Mobile Payment
Vinapay
Description
Vietnam Payment Technologies Joint Stock Company (VinaPay) was official established in May 2007.
VinaPay is a privately held company focused on electronic payment service using mobile and internet
technology to satisfy demand of easy, safe and immediate payment for customer and business as
well as develop e-commerce and m-commerce in Vietnam.
Country/City
Vietnam/Hanoi
Founded
2007
Topic
Mobile Payment
Company
Vinapay
Website
vinapay.vn

@FintechVN
FINTECH
VIETNAM
Lending
LoanVi
Description
Loanvi is an online peer-to-peer lending platform for personal loans in Vietnam. Founded in 2015, the
startup aims at bridging the gap between underbanked individuals and investors by creating an
accessible channel for individuals to acquire loan financing and for investors to earn solid fixed-
income returns.
Country/City
Vietnam/Saigon
Founded
2014
Topic
Lending
Company
LoanVi
Website
loanvi.com

@FintechVN
FINTECH
VIETNAM
Bitcoin/Blockchain
cash2vn
Description
Cash2vn is Vietnam's leading Bitcoin startup to bring fast and easy access to the global Bitcoin
economy to the Vietnamese market. Cash2vn aims to provide a comparable service at a significantly
lower rate by the superior process that the Bitcoin platform enables. Cash2vn delivery options
currently include forwarding to all local bank accounts with additional cashout options (also suitable
for residents / travellers without a local bank account) being added over the coming months.
Country/City
Vietnam/Saigon
Founded
2015
Topic
Bitcoin / Blockchain
Company
Cash2vn
Website
cash2vn.com

@FintechVN
FINTECH
VIETNAM
Bitcoin/Blockchain
BitcoinVietnam
Description
Bitcoin Vietnam Co. Ltd., a Vietnamese Bitcoin startup founded in late 2013, is aiming to bring world-
class Bitcoin technology to the Vietnamese market. Due to the international composition of the
current team with strong ties to some of the world’s leading Bitcoin spaces (Germany, Israel,
Singapore), Bitcoin Vietnam Co. Ltd. will be able to provide cutting-edge technology on an
international standard regarding usage of the Bitcoin technology in Vietnam.
Country/City
Vietnam/Saigon
Founded
2013
Topic
Company
Bitcoin Vietnam
Website
bitcoinvietnam.com.vn

@FintechVN
FINTECH
VIETNAM
Bitcoin/Blockchain
VBTC Bitcoin
Description
Country
Vietnam/Saigon
Founded
2014
Topic
Company
VBTC Bitcoin
Website
vbtc.vn
VBTC, a project of startup Bitcoin Vietnam, is taking aim at the unbanked population and will enable
users to deposit and withdraw cash from more than 9,200 locations across Vietnam. Verified users
enjoy instant bitcoin deposits, which enable them to trade without keeping funds on deposit at all
times at VBTC.

@FintechVN
FINTECH
VIETNAM
POS Management & Facilitors
Hottab
Description
Hottab is a startup that offers a new solution for point-of-sale (POS) management for F&B business.
Hottab provides service tablets and a POS system for food and beverage (F&B) businesses. A cloud-
based system connects all devices using Hottab. It includes an application installed on tablet devices
that allows waiters to create new orders. It also enables customers to self-order at the table.
Country
Vietnam/Hanoi
Founded
2015
Topic
POS
Company
Hottab
Website
hottab.net

@FintechVN
FINTECH
VIETNAM
POS Management & Facilitors
SoftPay
Description
SoftPay is a leading Mobile Point of Sale (mPOS) solution and Payment Facilitator company in
Vietnam. SoftPay's mPOS solution enables businesses and individuals to accept credit cards (Visa,
MasterCard, JCB, Amex, China UnionPay), debit cards, bank cards, loyalty cards and all other kinds
of card payments anywhere at anytime. Our mPOS solution is highly secure and has achieved
numerous certifications to give merchants and customers peace of mind when processing payments.
Country/City
Vietnam/Hanoi/
Saigon
Founded
2015
Topic
POS
Company
SoftPay
Website
softpay.mobi

@FintechVN
FINTECH
VIETNAM
Crowdfunding
Fundstart
Description
FundStart is a crowdfunding platform that allows artists and project leaders to raise fund from the
crowd, “turning dreams into reality with funds coming from the community.” Fundstart seeks to allow
the community to find the best projects to support and project owners to engagers with backers and
get media attention to reach success.
Country/City
Vietnam/Saigon
Founded
2015
Topic
Crowdfunding
Company
FundStart
Website
fundstart.vn

@FintechVN
FINTECH
VIETNAM
Crowdfunding
Firststep
Description
Firststep is a crowdfunding platform that allows startups to raise fund from the crowd. Firststep seeks
to allow the community to find the best startups to support. Firststep is the reward-based
crowdfunding platform in Vietnam. Firststep build this platform to get fund for Vietnamese ideas.
Country/City
Vietnam/Saigon
Founded
2014
Topic
Crowdfunding
Company
Firststep
Website
firststep.vn

@FintechVN
FINTECH
VIETNAM
Personal Finance
MoneyLover
Description
Money Lover is a finance management app that allows users to track their expenses over time and
manage their monthly and annual budget. Among its features, Money Lover supports multiple
accounts, has a cloud sync solution so we can access your financial data on all devices, as well as
auto backup.
Country/City
Vietnam/Hanoi
Founded
2011
Topic
Personal Finance
Company
MoneyLover
Website
moneylover.me

@FintechVN
FINTECH
VIETNAM
Personal Finance
MobiVi
Description
MobiVi is a financial services company, providing transaction solutions to banks, individual users and
corporate clients. MobiVi' is a financial services company, providing transaction solutions to banks,
individual users and corporate clients. MobiVi’s areas: the Nationwide Distribution System (NDS) unit,
MobiVi’s innovative offerings around financial services (MFS), and MobiVi Foundation.
Country/City
Vietnam/Hanoi
Founded
2008
Topic
Personal Finance
Company
MobiVi
Website
mobivi.vn

@FintechVN
FINTECH
VIETNAM
Data Management
CircleBi
Description
CircleBii is an analytics app focusing on cashflow for startups and SMEs. Founders use it to get quick
insight about their startup finance and optimize every penny they put in.
Country/City
Vietnam/Saigon
Founded
2015
Topic
Data Management
Company
CircleBi
Website
circlebi.com

@FintechVN
FINTECH
VIETNAM
Lending
TrustingSocial
Description
TrustingSocial is reinventing credit scoring based on social, mobile and web data. Marketplace
lending is disrupting retail banking by leveraging propriety Big Data credit scoring technologies.
They make their TrustingSocial Authenticity Score available for free to everyone in the world, so that
they can build trust instantly with each other.
Country/City
Vietnam/Hanoi
Founded
2013
Topic
Lending
Company
TrustingSocial
Website
trustingsocial.com

@FintechVN
FINTECH
VIETNAM
Contact
Patrick Mehrhoff
Digital Consultant
Website patrickmehrhoff.com
Twitter @patrickmehrhoff
Email mehrhoffp@gmail.com
Contact
Christian König
Fintech Expert
Website fintechnews.sg
Twitter @fintechSIN
Email ck@finanzpro.ch

Fintech Vietnam Report 2015

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Fintech Vietnam Report 2015