Fintech Challenge Vietnam 2019


Active Intelligence Pte Ltd (, Singapore based Fintech Startup, is the leader in Conversational AI, in delivering Conversational Banking & Financial services. We help banks, Insurance companies and other financial institutions to create intelligent virtual assistant, bringing in automation and insightful customer engagement. The company’s conversational AI technology uses advanced NLP and machine intelligence to enable customers to have natural dialogues over messaging, voice or IoT devices, Web & App.


AVATEC is an intelligent financial services technology platform. We create innovative solutions to connect funding sources – financial institutions and commercial organisations – to consumers and small and micro businesses in Southeast Asia. We do this by providing end-to-end credit assessment services through the intelligent use of information technology in the areas of artificial intelligence, machine learning, anti-fraud algorithms and big data.

CredoLab Pte Ltd

CredoLab develops bank-grade digital scorecards for banks, consumer finance companies, auto lenders, online and mobile lenders, insurance companies, and retailers from the best alternative data source – smartphone device metadata. Built on over 8 million loan applicants across 50+ lending partners, our AI-based algorithm crunches nearly 500 thousand features from opt-in smartphone metadata to find the most predictive behavioural patterns before converting them into credit scores. These enable any lender to make the most granular assessments possible of their applicants. Our clients have seen 20% higher new to bank customer approvals, a 15% reduction in non-performing loans, and a 22% dip in fraud rate.

Established in Singapore in 2016, CredoLab has powered almost USD 1 Billion in loans issued after analyzing about 1 trillion data points across 15 countries. We are backed by Fintonia Group, FORUM, and Walden International.

Kilimo Finance

KILIMO FINANCE allows banks to finance the agricultural sector by transforming agri-finance knowledge into attractive loan products.


AspireAccount, Aspire’s flagship product targeted at digital merchants and startups across the region, can be opened online in just few clicks. It is free and comes with an instant credit limit for daily business expenses, a virtual B2B payment acceptance and other tools to help SMEs manage their cash flow. A business credit card is next in line and it will be available and linked to each business account as early as this year


Citics is a pioneering technology platform in banking-real estate industry. Citics develops and utilizes proprietary valuation algorithms and a technology platform with focus on big data analysis. We provide banks with a comprehensive solution to manage risks in valuation of real estate collaterals, which currently accounting for a large proportion of the collaterals of Vietnam banks. Citics completes a real estate valuation report in 3 hours, at 25% time and 70% cost of a typical traditional valuation company. Our platform provides individual users transparent and reliable information about real estate and related loan offers, to confidently and quickly conduct transactions.


Interloan is a P2P lending platform providing better financial solutions for salary advance and micro investment. We co-operate with enterprises in information verification, help employees taking loans with haft the interest rate of Consumer Finance products while investor can earn double deposit rate. By creating a fully mobile experience backed by state-of-the-art technologies on eKYC and scoring, Interloan serves this traditional under-bank segment with comprehensive, easy process and give our customers options to stay away from black-market lending product.


Payfazz is a digital platform that enables financial services through the creation of a distributed network of agents, who can perform financial transactions on behalf of the unbanked & underbanked customers (especially in rural areas).

Rapbank Vietnam

Rapbank aims to service majority of people, especially for financially vulnerable people who lack of confidence in accessing banking service. Rapbank’s desire is to provide reliable information and equal opportunity for every Vietnamese to access good capital resources, to have a better chance to improve their own lives and to enhance their ability to make financial decisions while being able to avoid risks caused by biased information.

Moreover, Rapbank brings opportunities, profit and reduces risk for participating partners.

Create a formal and trustworthy channel for financial information supporting the community to attach to the use of capital from each individual and business in society.


Tookitaki is innovating the regulatory compliance space by moving beyond rules-based applications and introducing software solutions to maximize efficiency and reduce risks in compliance processes. Our mission is to provide machine learning-powered regulatory compliance solutions that are auditable, scalable and actionable. In the regulatory compliance space, we focus on anti-money laundering and reconciliation
management. Incorporated in November 2014 in Singapore, the company is led by a core team with cumulative 150-years’ experience in finance, AI, Big Data Analytics and financial crime. We have offices in the US, Singapore and India.

The uniqueness and robustness of our innovation in the field of machine learning have been acknowledged locally and worldwide. We were selected as a Technology Pioneer (2019 cohort) by the World Economic Forum, recognizing our ability to shape the industry and the region in new and exciting ways. We also received accreditation@SGD in 2017; a rare-to-achieve recognition initiated by the Singapore government for SMEs to get green channel access to government projects. In 2016, Tookitaki won the first prize in the MAS award (SME category) for our innovation and proving our platform through a live deployment.

Trusting Social

Trusting Social is an AI-first Fintech company with a mission to advance data science and technology to deliver financial access for all. Founded in 2013 by a group of AI, Technology and Financial experts, today Trusting Social is Asia’s largest credit-scored pool which has nearly half of billion subscribers who are not covered by credit bureaus.

Vietnam Blockchain Corporation

VBC Build a Decentralize application – TRUSTLESS CREDENTIAL SOLUTION for recording on the blockchain the reliable certifications of personal consumption, thereby providing financial record data to the first instance quickly censoring, helping to shorten the time for appraisal determine the financial records of users from banks and financial institutions, especially effective applications for approval of consumer loans, unsecured loans and insurance.

Vietnam Blockchain Corporation (VBC) is a technology company providing blockchain solutions and services in Agriculture, Manufacture, Supply Chain, Logistics, E-Commerce, Fintech, Sharing Economy, Public Services, and Smart City.

VBC aims to power Vietnam in becoming a Blockchain Country & Expert Hub.


Staple is developing an AI platform to help finance teams, enterprises and corporate services providers to convert documents into structured data, which can then be used for the automation of various business processes and workflows. Staples technology can read and interpret any business document, in any format and in any language, including Vietnamese. This substantially improves speed, accuracy, security and privacy for a range of business workflows.

Touchless ID

We see an increasing need for remote mobile user authentication and we believe biometrics is the best way to ensure user identity, all to protect usability and reduce fraud.
We offer multi factor authentication from any mobile device with a camera, and we are based on touchless biometrics, that means we extract the user identity through a picture of a user’s fingers, palm or face.
one of the most critical features is our liveness protection, making sure that the solution cannot be spoofed with pictures or videos, allowing only real face/fingers/palms to be processed.

Trustdock Inc.

TRUSTDOCK offers global e-KYC and an API service platform for identity verification. Already Japan’s top e-KYC provider, TRUSTDOCK uses a host of APIs to perform a variety of identity verification tasks that speed up the account opening process for any digital service provider, all fully compliant with regulations, including Japan’s new Anti-Money Laundering Act. As TRUSTDOCK expands globally, the future is fully digital IDs that will quickly and reliably verify anyone, so everyone everywhere will have access to all digital goods and services.


Verismart is a silicon valley based identity blockchain platform for automation in KYC, Risk and business profiling , built on alternative data intelligence of multiple institutions like banks, telecoms, OTA & other shared rental platforms. Enabling them to share data & assessment among each other as Zero knowledge proof in a privacy compliant manner. We have an easy plug and play interface and data anonymization AI model on top of it protecting data from security breach and identity theft from the documents. We enable Bank Artefacts Sharing, Cheque Fraud/Forgery detection, KYC sharing, Business profiling on alternative data for instant micro finance, Auto-Re finance and other personalized products for underbanked people.
We have been working with more than 16+ banks and 5+ telecoms, have on-boarded 11.5 million users for Pre-assessment and other banking products, Processed 1.5 Million KYC. Working with United Nations, Visa and 35+ fintechs across India, UAE & US. Awarded as global Fintech startup of the year MENA & Top5 Reg-tech company by BBVA bank, ICICI bank among 850+ globally.

Wannatalk Pte Ltd

Facecard is a unified facial-recognition driven customer identification platform used at frontline counters for Retail & F&B outlets, Malls, Hotels and Properties.

*The finalists are listed in alphabetical order by name

Copyright 2019. All rights reserved.