Fintech is a combination of the terms ‘finance’ and ‘technology’. It refers to using technologies to streamline or automate financial processes and services. Working towards this definition, various fintech apps are introduced to serve diverse needs. They involve banking activities and digital payments to investment, lending, insurance, and even cryptocurrency transactions. Are you looking for a trusted, experienced fintech app development company in Vietnam to realize your idea? Don’t miss this article! Here, we’ll give you an overview of Vietnam’s fintech landscape and the best fintech app developers to consider.
Overview of Vietnam’s Fintech Market
Vietnam’s fintech market recorded a staggering value of $16.4 billion in 2024. The market won’t stop thriving in the upcoming years, but will experience an annual growth rate of 14.2% from 2025-2033. This growth is fueled mainly by the growing adoption of mobile banking and digital payments, as well as advancements in financial technology.
Indeed, PwC indicated that Vietnam is one of the rising economies in Southeast Asia (SEA). Vietnam, therefore, holds great potential for digital payment to thrive, with the total transaction value estimated to increase 15.7% annually by 2025. Recognizing this fact, various Vietnamese banks have started to modernize their core banking and payments systems and consider this mission as the second priority in 2025. Mobile engagement features are also heavily integrated in any bank’s growth plans. Accordingly, banks want to involve more users in their financial services (e.g., lending and wealth management) via mobile apps.
The integration of advanced technologies like AI has also boosted Vietnam’s fintech landscape to flourish. Such fintech companies in Vietnam as MoMo, ZaloPay, or VNPay are using AI to analyze consumer spending habits, identify financial needs, and offer personalized recommendations.
Besides these market drivers, other factors, typically supportive government policies after the COVID-19 pandemic, also contribute to the reshaping of Vietnam’s fintech market. For example, in April 2025, the Vietnamese government issued Decree No. 94/2025/ND-CP to introduce a controlled sandbox for innovative fintech solutions in banking, effective since July 1st, 2025.
FURTHER READING: |
1. Top 10 Web Development Companies in France |
2. 10 Best Web Development Companies in Germany |
3. 10 Best Web Development Companies in Australia |
10 Best Vietnamese Companies to Entrust Fintech App Development
1. Designveloper
- Minimum project size: $5,000
- Average hourly rate: $25 – 49/hour
Established in 2013, Designveloper is a top-tier IT outsourcing and software development company in Vietnam. Located in Ho Chi Minh City, we boast our diverse portfolio of 100+ successful projects. These projects span across industries, from financial services and IT to healthcare and construction. By leveraging different tech stacks (e.g., React Native, Angular, Python, and even AI) we’ve helped clients of all sizes improve business workflows, increase customer engagement, and reduce operational costs. Do you want a bespoke enterprise platform, a cross-platform app, an AI product, or custom cybersecurity solutions? Regardless of your choice, our experienced team can cover it all.
As a verified app developer, we’re committed to delivering scalable, cost-effective solutions that align with your specific needs and ensuring fast time-to-market. To do so, we follow a proven development process known as Agile. This process covers the entire development cycle, from requirement analysis and design to deployment and ongoing technical support. We also keep you updated about work progress through your favorite communication channels and make necessary adjustments based on your evolving requirements. Do you wanna share your idea with us and get further consultation? You can get a free estimation from us now.
Typical Project: Song Nhi
Our excellent team has many successful projects in fintech app development. One of them is Song Nhi, a virtual financial assistant. Using advanced technologies like AI or NLP (Natural Language Processing), the app helps individual users manage their finances, from monthly incomes to spending, using user-friendly conversational styles. You can integrate Song Nhi to your messaging apps (like iMessage) to interact with it by text or voice anytime. It not only inputs your spending per month but also creates monthly reports and shares insights about your spending.
2. SotaTek Jsc
- Minimum project size: $10,000
- Average hourly rate: $25 – 49/hour
SotaTek is recognized as one of the reliable software delivery partners you should work with. Headquartered in Ha Noi (Vietnam) since 2015, the company has experienced rapid growth with 10+ additional offices opened worldwide. They accelerate the digital transformation process of businesses across industries (e.g., eCommerce, entertainment, or fintech) with various services. These services range from conventional software development (e.g., bespoke enterprise solutions, web apps) to innovative technology solutions (e.g., AI, blockchain, or IoT).
Having broad IT competency in modern technologies, their certified team of engineers can offer robust, flexible solutions using either Agile or Waterfall development methods to suit your needs. Accordingly, they can provide start-up services to speed up time-to-market or support and optimize the current IT systems of established businesses.
Typical Project: MoneyLion
MoneyLion is one of the most successful fintech app development projects of SotaTek. This Vietnam-based company collaborated with a New York client to build a solution that provides lending opportunities, financial advisory, and investment services to American citizens. The app was awarded Best Digital Bank by Finovate in 2019 and received a 4.2/5 ranking on Google Play with 8.7 million downloads.
3. PowerGate Software
- Minimum project size: $10,000
- Average hourly rate: < $25/hour
PowerGate Software is a Vietnam-headquartered software development studio that earns global recognition for its scalable, tailored solutions. You want SaaS products, AI chatbots, data analytics platforms, or advanced admin panels? Don’t worry! Their world-class team of 150+ tech professionals can turn your simple ideas into working solutions effectively.
They’re also proficient in diverse tech stacks for frontend, backend, cloud, and AI & blockchain. With these capabilities, they create high-quality solutions across industries that receive 96% client satisfaction.
PowerGate is also considered a top-notch fintech app development company in Vietnam with remarkable achievements. They accordingly help banks and financial institutions deliver positive customer experiences, increase profits, and reduce financial risks. Do you want to augment your in-house team or outsource an entire fintech project? PowerGate offers diverse engagement models to meet all your needs.
Typical Project: UK-Based Multi-currency Cards Platform
Partnering with a UK-based partner, PowerGate successfully built a cost-effective platform for individuals and businesses who use Mastercard debit cards to exchange small amounts of currency. The app supports a variety of currency pairs and offers competitive exchange rates. Additionally, it helps cardholders to track their real-time spending, set individual balance reminders, control their cards directly through the app, and immediately block the cards if stolen or lost. The card platform, after release, was accepted at one million locations in the UK and 36 million locations globally.
4. KMS Solutions
- Minimum project size: $25,000
- Average hourly rate: Undisclosed
KMS Solutions was established in 2019 as an extended team of KMS Technology in the Pacific Asia region. The company has the headquarters located in Vietnam and additional offices in Australia, Singapore, and Malaysia. Regionally recognized as the trusted financial technology services & solutions provider, KMS Solutions mainly serves BFSI sectors, including banking, financial services, insurance, fintech ISV, and payments.
Their certified specialists have a proven track record, possess advanced technical expertise, and follow Agile approaches. Therefore, they’re committed to offering robust solutions that bring exceptional value to your business and comply with international security standards. Their domain solutions are now diverse, ranging from core banking systems and innovative digital assets development to software testing, data analytics, and more.
Typical Project: ACB
Asia Commercial Bank (ACB) went to KMS Solutions to modernize its legacy systems, enable integrations, and attract mobile-savvy customers. KMS Solutions then built a mobile banking app that offers extensive features for business users, like eKYC, batch processing, signing activity tracking, and on-the-go signing. The team also applied modern engineering methodologies, test automation best practices, and data security standards. This ensures the security, usability, and efficiency of the app. Only after four months, the app was published.
5. Synodus
- Minimum project size: $5,000
- Average hourly rate: < $25/hour
Synodus is a reliable, experienced partner for your software development & IT consulting projects. They work especially in five key industries: fintech, healthcare, retail, public sector, and transportation. Their team of highly skilled, experienced engineers has profound domain understanding and extensive technical skills to create digital solutions, making a big difference for your business.
In finance & banking, the company has delivered 30+ strong, scalable apps for different BFSI clients. These apps own robust features and functionalities to meet different unique needs, such as processing heavy data flows, integrating various external services or APIs, and implementing advanced data analytics. With years of experience, Synodus can launch fintech app development projects 3x faster without compromising their quality.
Typical Project: Digital Banking PaaS
Synodus worked on the project of building an all-around digital banking platform that supports small and medium-sized financial companies. The first visible challenge of this project was how to architect a user-friendly, scalable, and secure banking PaaS that can integrate with existing core banking systems and meet the specific demands of APAC’s financial SMEs.
To resolve this problem, they chose a microservice, modular, and API-first architecture to ensure later scalability. They also prioritized seamless mobile and web experiences to help customers effortlessly open accounts and make transactions. The final product integrates curated features like CASA accounts, automated lending/borrowing, multiple payment options, fast KYC/AML checks, and compliance with global legal features.
6. CodeLink
- Minimum project size: $10,000
- Average hourly rate: Undisclosed
CodeLink is a reliable software development partner that can turn your vision into working solutions and help your business scale fast digitally. Founded in 2016, CodeLink has an excellent team of 100+ employees. Their team contributes to the digital success of growing startups and pioneering businesses across six industries, including communication & media, education, logistics, fintech, HR management, and healthcare. Using product-first design and engineering practices, the company empowers 70% of its clients to scale up efficiently.
In fintech, CodeLink offers end-to-end development services to create bespoke financial and banking software solutions. These solutions integrate essential features for trading & exchange, omnichannel payment, blockchain transactions, loan tracking & collections, and customer verification using KYC/AML. CodeLink also focuses on high scalability, high-end audited security measures, and smooth user experiences.
Typical Project: Reap
Reap is a Hong Kong-based financial platform. It helps small businesses charge customers digitally, create invoices, and collect payments, especially when these businesses hardly accept card payments. The client approached CodeLink with the request to build an MVP within 8 weeks to validate their product idea and raise funds. Working closely with Reap’s founders, CodeLink defined UI/UX flow, created a product backlog, and supported Reap’s technical team to integrate the product into their current infrastructure. The MVP, after release, contributed to their big success in the market and received $45 million in funding.
7. Saigon Technology
- Minimum project size: $10,000
- Average hourly rate: $25 – 49/hour
Saigon Technology is an award-winning software development company founded in 2012. Over the years of operations, the company has built up a team of 350+ talented specialists and boasts a large portfolio of 800+ successful projects in different industries like transportation & logistics, healthcare, and fintech. They commit to creating high-quality, secure, and scalable solutions by using their grasp of domain knowledge and broad IT competency.
Saigon Technology is also a trusted fintech app development company in Vietnam. They provide full-cycle services, from product consultation and MVP development to deployment and maintenance. Their solutions integrate various essential features like risk management, financial planning, and compliance, giving end users a secure, convenient, and fast experience. Whether you want to embed your team with high-quality members or outsource an entire project, the company can cover them all.
Typical Project: SmithBot
The client approached Saigon Technology to build a comprehensive web app. This app serves as a bridge between the client’s bot server, cryptocurrency exchanges, and end users who want to subscribe to the client’s automated trading bots.
The app must support the bot server in tracking the market of a trade pair, generating trade signals (‘buy’ or ‘sell’), and more. Also, it must allow end users to administer their accounts (sign up, login, payments), subscribe to or unsubscribe from the AI trading bots, view trading activities and account balances through a visual dashboard, etc. Using technologies (e.g., a multi-tenancy structure for database, server, and client code) and holding regular meetings to ensure efficient progress, Saigon Technology successfully built a user-friendly app for easy trading activities.
8. Bestarion
- Minimum project size: $10,000
- Average hourly rate: < $25/hour
Bestarion is one of the leading ITO and BPO development companies in Vietnam. As an ISO-certified and awarded company, they have a diverse portfolio of over 200 successful projects in different industries. The company also provides you with a full-cycle software development service, from product consulting and production to launch and maintenance to keep your software running smoothly and staying on top.
Bestarion is a good fintech service provider you can count on. They offer AI-driven and bespoke solutions, whether enterprise software, a web application, or a mobile application, to transform your business workflows and boost your digital success. Their solutions, like eKYC, anti-fraud systems, digital banking automation, and decision engines, help banks and financial institutions upgrade their services, increase customer satisfaction, and reduce costs.
Typical Project: Prime Financial Solutions
Bestarion partnered with Prime Financial Solutions, a US-based financial services company, to create a centralized data warehouse solution. This platform needs to consolidate data from disparate sources, integrate data seamlessly using advanced ETL pipelines, visualize real-time data with dynamic dashboards, and ensure compliance with industry standards.
Adopting modern cloud technologies (e.g., AWS Redshift, Glue, and QuickSight), Bestarion built a tailored platform within four months. The platform brought amazing results, like combining 100+ million rows of data, reducing manual intervention by 80%, reducing infrastructure costs by 20%, and processing doubling data volumes over the following two years.
9. Dirox
- Minimum project size: $5,000
- Average hourly rate: $25 – 49/hour
Founded in 2003 in Ho Chi Minh City (Vietnam), Dirox has proven its top-notch capabilities with additional offices in Asia, Europe, and America. Accordingly, their excellent team of tech consultants, business gurus, software developers, and designers has collaboratively created innovative, high-quality, and cost-effective solutions for global clients.
The company follows Agile development methods and boasts a diversity of technologies to build mobile apps, web apps, and mobile games across platforms. They also leverage innovative technologies like AI/ML, blockchain, IoT, and AR/VR to keep you ahead of innovation. Whatever your technological demands are, Dirox can provide you with the right development talents. Besides technical skills, the company also has deep domain understanding, like in medicine & healthcare, hospitality, automotive, and fintech.
Typical Project: Private Reporting
Private Reporting is a modern, scalable tool for simple, secure asset management. The tool aims to help active investors and wealth management specialists protect their clients’ investments. Developed across platforms (iOS, tablet, web) with modern technologies (e.g., Swift, AWS, MySQL, Code Igniter), the tool allows users to add their teammates, track their progress, customize how assets are observed, create personalized reports, etc.
10. zen8labs
- Minimum project size: $25,000
- Average hourly rate: $50 – 99/hour
zen8labs is a top-tier technology consulting and software development company headquartered in Ha Noi (Vietnam). Their services integrate extensive expertise, innovation, and dedication to excellence to help global clients address their existing challenges and thrive towards the best value. These services span across different industries, including healthcare, eCommerce, finance, education, and more.
When it comes to software development services, zen8labs is offering CX (Customer Experience) transformation strategies and AI-powered digital products that are not only visually appealing but also fully functional. These solutions can empower your business toward effective digital transformation, maximize ROI, and boost time to value.
Typical Project: Nudge
Nudge is a Japanese startup providing a revolutionary finance platform for Gen Z users. Specializing in next-generation payment solutions, the platform allows users to personalize their credit cards with designs issued by a fan club.
Final Thoughts
When you reach here, you’ll discover all the top fintech app development companies in Vietnam, coupled with their typical projects. Also, you get a comprehensive view of how Vietnam’s fintech market is performing in 2025 and beyond. Do you wanna share your fintech app idea further with us? Get in touch with Designveloper’s sales team now and receive a free estimation!
Also published on
Share post on
Read more topics
