Fintech share - trang dao

1. BUSINSSMODEL

2. Founder & CEO VAYMUON
TRANG DAO
10 years experienced in Marketing and
Fintech
Vay Muon is not a
bank or a finance
company, Vay Muon
uses modern
technology to
connect between
borrowers and
investors then
bringing the best
benefit for both
parties.
Vay Muon’s
positioning is the
long right-hand of
almost Vietnamese
banks.
Product: Vay Muon
mobile app –
connecting between
borrowers and
investors, providing
small and short term
loans, completely using
online method (no face
to face meetings, no
mortgages), disbursing
in 30 minutes.

3. Fintech
Products
Category
PART 1
Fintech
Product
Development
and Lessons
PART 2
Product,
Service and
Users
Management
PART 3
Customer
Loyalty
PART 4
STRUC TURE
Sharing
about
Fintech
industry
PART 5

4. Part 1: Fintech Products Category
Fintech
Payment
Lending
Money transfer
Crowd - funding
- Group 1: Products for users (digital tools, other tools for users to
get loans and manage money)
- Group 2: Products for back-office technology ( helpful tools for
Fintech contracts and financial institution)
Used to be divided into 2 types of products
Data management
Finance Consulting
P2P lending
Insurance Tech

5. Create an
implementation plan
Step 4
Go-live project/
Product launch
Step 5
Choose the suitable
technology
Step 3
Do market research
Step 1
Analyze and design system
Step 2
Part 2: Product Development
There is no fixed models for all start-up projects. Each projects has its own size, characteristics and target customers.

6. Step 1: Do market research
Online research or offline
Customer behaviours (RTB, RTB, RTA)
DO MARKET RESEARCH
Create target customer portraits
Find out USP of products
PRODUCT POSITIONING
Do research about competitors through social
listening tools and other relevant tools
Always have go-to-market plan on your own
COMPETITORS

7. As shown in the figures below, till the end of
2018, it is predicted that there are 60 millions
of mobile phone users with 50 percentage of
connecting mobile internet in Vietnam
Focus on mobile phone and website
Manage data focus (source from big data)
Design effective system from the very first start
Safe and security for users. Using security
authentication technology (palmprint,
fingerprint, eyescan) is necessary
Particular factors affects Fintech industry
Step 2: Analyze and design system

8. Products meet full conditions to launch with available technology
potential and organization potential (based on finance potential,
human resources potential)
Step 3: Choose the suitable technology

9. - Create a suitable implementation
plan for available sources then
choosing an applcable deadlines for
present products
- Make decisions between Inhouse
and Oursource
Step 4: Create an
implementation plan

10. Test new
product to
evaluate the
market
interaction
Officially
launching new
product in the
market
Step 5: Go-live project/ Product launch

11. NEWS
Case study
Experience lessons:
Using Odoo is an ERP
(Enterprise resource
planning) to manage
general information about
customers, products,
back-office, etc.
effectively
There is a big hole in operation
process if the completion
speed of products happens too
fast, along with the fast-growth
number of customers without
advanced and professional
operation system.
Seeing problems in one-side will cause:
- Wasting time and expense
- Human resources for Fintech industry become a big
problem have to deal with
Date today 00/00/00
Hard to find loyal employees

12. System
Build open system, widen
product size
The first period time, managers and employees
need to work multi-tasks.
The later period time, managers and employees
need to be specialized by departments
Analyzing and giving suitable products to
customers
Part 3: People and service management

13. Callbot
Chatbot
Optimize all process
by applying
automation
Process
Automatic credit scoring,
automactic users ranking,
automatic report
System
Applying Automation when business
size becomes bigger

14. Part 4: Customer loyalty
Maintain customer loyalty by attractive mobile
interface, good service, good user experience, trust
level and interesting promotions
Marketing
Attract customers to use the service
Trust
Fintech product needs to be trusted at the
first period time
Mobile App
Provide more functions for all users

15. User Experience

16. Trang Dao – 10 years experienced in Marketing
and Fintech industry
Part 5: Sharing about
Fintech industry
Future of Fintech industry
Investment in Fintech industry
Marketing solution for Fintech
industry

17. Fintech is growing fast in all
markets around the world,
especially in China
The percentage of people that
engaging with Fintech service
and products, accounts for more
than 60% in China, 30% in
America
China becomes no.1 market leader
in Fintech industry
Fintech companies and Fintech
products are popular in
America
Forecast
America
China
Future of
FINTECH

18. Ignoring the market share competitiveness of Fintech start-
up, investors continue to invest in Fintech.
Especially, Fintech companies are opening up with the
youth generation who are sensitive with modern
technology. It is the good opportunities to attract more
customers for Fintech industry
Investment in Fintech industry
continue increasing

19. Affection of Fintech
industry
The change in distribution channels and
other traditional finance service
Fintech applies high technology (big data)
 to advance user experience at high level
Trendy: “No paper banks”, “No
paper financial organization”
Transfer to use Internet, Mobile
Banking, Tablet Banking, Digital
Bank

20. Easily become more popular which is
big challenges for finance service
Finance market share tends to
be shared for Fintech
Labor market in Finance and Banking
industry tends to be changed
0
20
40
60
80
100
120
140
2013 2016 2020
Invest in Fintech industryBillion USD
Influence of Fintech
industry

21. Marketing in Fintech industry
21
Problems:
- Target customers and provided service
are not the same
- Brand rules are strict
- Legal problems
- For a new product, needing a huge
budget to educate the market

22. Marketing solution in Finance industry
- Focus on emotional factors
- Choose the right time to engage customers
- Especially focusing on simple documents
and disbursement speed
- Randomly giving money for customers
+ Attract the attention from media users
and other relevant communities
+ Key point is creating an EMOTIONAL or a
HUMOUR campaign to gain attention
- Provide some free tools (expenditure
management tool, savings management
tool)

23. Join in sharing economy
- Buy together, use together, go together
Provide kinds of information which are
helpful and easy to share on Facebook and
Blog, as a finance professor
- Create mini or big games
- Create mini or big contests
First, you have to know your customers really well then planning detailed
campaigns

24. Trang Dao
3rd Floors, VTC Online Building, 18 Tam
Trinh, Hai Ba Trung, Ha Noi
Phone:
https://www.facebook.com/trangtrangdt
Thanking
With us 