Top 10 Fintech Software Development Companies in Vietnam

Vietnam has rapidly appeared as a dynamic hub in fintech software development. This country comes with a variety of significant benefits to fulfill both simple and complex fintech software needs. Are you planning to build a customer-centric mobile app, a core banking system, an AI-powered fraud detection platform, or a resilient payment gateway? Regardless of your choice, Vietnam has a burgeoning tech talent pool that excels at modern technologies to create fintech solutions at a reasonable price. 

Vietnamese development companies have also significantly matured. They impress clients with a remarkable ability to develop enterprise-grade solutions in compliance with industry regulations and process complex integrations with existing systems. Also, these companies have an agile mindset, coupled with a deep understanding of the financial industry and strong government support. These well-known advantages have positioned Vietnamese development companies as ideal partners for those looking for fintech software solutions. 

So, what are the best fintech software development companies in Vietnam? This article will give you a curated list of the top candidates in this realm. But before diving into the list, let’s consider the key factors that help you choose the right partner!

Key Considerations to Choose the Right Fintech Software Developer in Vietnam

The global fintech software market is expected to reach a staggering value of nearly $357 billion in 2025. This makes this market a fertile playground for multiple fintech software developers. If looking for a fintech software development company in Vietnam, don’t just look at its basic coding capabilities. Instead, evaluate further other factors like deep technical expertise, regulatory acumen, project management, communication abilities, and a long-term commitment to maintenance and support. Now, let’s delve into these factors:

1. Deep Technical Prowess

The success of a fintech solution lies not only in a seamless user interface but also in its sophisticated backend. Accordingly, a top-notch fitech software development company needs extensive capabilities in:

• Backend Development (Scalable Architecture, Microservices): Fintech systems require the ability to handle vast volumes of financial data and transactions. So, your ideal partner needs to have expertise in using microservices and creating robust, scalable backend architecture. This helps your software’s components (e.g., user authentication, payment processing, and data analytics) scale seamlessly when your services grow. 

• Cloud Platforms (AWS, Google Cloud, Azure, etc.) for Financial Services: Your potential partner needs to be proficient in deploying and managing secure, high-performing financial software on common cloud platforms like Amazon Web Services. Accordingly, they need to understand cloud-native services, guarantee data residency, and adjust cloud services for optimal costs and performance. 

• API Development and Integration: A proficient development company needs to build and deploy secure, well-documented APIs. This ensures smooth communication between your financial software and other existing systems, legacy infrastructure, and third-party services. 

Depending on your desired financial software, you may require your ideal partner to excel at other advanced technologies. For example, they should be proficient in AI/ML to create advanced fraud detection capabilities, personalized financial advice, or credit scoring. 

2. Understanding of Data Security & Compliance

Finance is a highly regulated industry as it often deals with high volumes of sensitive and confidential data. Therefore, data security and compliance with industry regulations are a must. This requires your potential partner to grasp international regulations (e.g., GDPR), as well as relevant local Vietnamese data security and financial laws. The partner should hold globally recognized certifications (e.g., ISO/IEC 27001) to prove that they commit to implementing best practices to protect such data. 

3. Robust Project Management

Your chosen Vietnamese development company should employ and master proven approaches (like Waterfall, Agile) to manage projects of all sizes seamlessly. In other words, they need a transparent, well-established process with risk management, regular communication, and flexibility with changing requirements. 

4. Effective Communication

Each client confronts different issues that need financial software to resolve, and so does your company. That’s why a skilled software developer needs the ability to understand your existing problem and communicate appropriate solutions well with essential features to meet your demands. Further, the chosen partner has to set up communication channels to keep you updated about work progress and provide immediate feedback for improvements.  

5. Scalability & Future-Proofing

Your chosen development partner must design fintech software with scalability in mind. This involves using flexible architecture, effective database management, and cloud-native services to ensure the seamless integration of new features and technologies into your software. Further, this also helps process increasing transaction volumes, user loads, and data sets when your business grows. 

6. Post-Launch Support & Maintenance

Fintech software development doesn’t end at launch. Maintenance and ongoing support are essential to keep your fintech software running smoothly as expected. Therefore, the right development company should provide comprehensive post-launch services like bug fixes and patches, updates, performance optimization, and feature improvements.

Top 10 Fintech Software Development Companies in Vietnam

So, what are the best fintech software development companies in Vietnam to consider? Let’s discover our curated list in this section:

1. Designveloper

Designveloper, founded in 2013, is a leading software development and consulting company in Ho Chi Minh City (Vietnam). Our team of skilled and enthusiastic developers has worked under Agile approaches and with professional techniques (e.g., Google Material Design 3, Pair Programming) to deliver cost-effective, scalable software to our clients. We leverage deep technical knowledge and broad fintech experience to offer end-to-end support, from market research and production to maintenance. 

Designveloper is proficient in crafting unique fintech software for your business needs. Do you want fully functional web/mobile apps? Are you planning to migrate your legacy systems to the cloud or add advanced features like AI-powered analytics to your current software? No matter what your goal is, we have the right expertise and technologies to help you achieve it. 

With our impressive capabilities, we’ve created various successful projects, typically:

• Bonux – a crypto wallet for both iOS and Android platforms
• Song Nhi – an AI personal finance assistant.

Wanna share your project idea with us? Don’t hesitate to contact our sales reps and receive a free consultation!

2. Saigon Technology

Saigon Technology stands out as a top-notch fintech software development company in Vietnam with over 13 years of expertise. 

They prioritize the highest-level security of sensitive data, hence achieving ISO 27001 certification to ensure consistent compliance with the top information security standards. Besides, the company leverages robust security measures (e.g., encryption and thorough access controls) to protect data from cyberattacks and breaches. They also integrate AI capabilities to help clients automate various finance-related operations and acquire actionable insights for improved performance. 

Saigon Technology offers an advanced suite of services to develop secure, user-centric fintech software. From initial consulting and production to integration and modernization, they have the right expertise to boost and future-proof your solution. Also, they have a diverse portfolio of successful fintech projects, effective agile approaches, and a long-term commitment to client satisfaction. These factors have turned them into an ideal partner for those seeking cutting-edge fintech solutions. 

Some of their successful projects include:

• SmithBot – a web application connecting a client’s server with cryptocurrency exchanges or end users.
• Personal Loan Platform that uses microservices and DDD architecture.

3. TMA Solutions

TMA Solutions is one of the best players in Vietnam IT outsourcing, with a proven track record of projects across industries, including finance. 

Established in 1997, the company has built a large pool of 4,000 talented engineers. They’re well-trained and possess a diversity of technical skills and technologies associated with cloud platforms, AI/ML, big data & analytics, etc. Further, the company has a strong quality foundation with certifications like ISO 9001 or ISO 27001, as well as intensive R&D capabilities. All these factors help them successfully implement various large and complex projects to create top-notch solutions on time and within budget. 

In the realm of fintech software development, they offer full-cycle services, from ideation and production to testing, deployment, and maintenance. These services are tailored for the BFSI sector to develop advanced fintech apps and integrate core banking systems. Besides, the company uses state-of-the-art technologies like Web3, blockchain, and AI to improve customer experiences and streamline financial processes. 

With years of expertise and experience, TMA Solutions has delivered numerous successful fintech projects. They include a cash flow management system, an NFT trading platform, a Buy Now & Pay Later solution, and more.

4. NashTech

NashTech was founded in 2000 in Ha Noi, and since then, the company has expanded its operations across many countries. Their excellent experts work on high-quality technologies to resolve business-critical challenges for clients from different industries, especially in banking, financial services, and insurance. They also commit to quality, excellence, and innovation through certifications like ISO 9001, ISO 27001, and ISO 27002. 

NashTech offers a wide range of services for fintech software development. These services include app support & managed services, business process management, quality assurance (QA) and testing, and tech consulting. So, whether you want to build fully functional software, migrate core systems to the cloud, or implement modern APIs, the company gets you covered. They also excel at integrating cutting-edge tech like AI/ML to streamline core operations (e.g., claim processing, underwriting) and enhance customer experiences. 

With these capabilities, NashTech has helped various clients like PayCloud, PayU, PXP Financial, and Lowell transform their financial operations. Accordingly, they succeeded in creating secure payment solutions, modernizing existing apps, and building a decentralized credit platform. 

5. AgileTech Vietnam

Headquartered in Ha Noi, AgileTech Vietnam has more than 200 highly skilled developers who offer diverse services and commitments to product quality and excellence. Besides common technologies, they excel at developing innovative solutions based on AI, RPA, and blockchain. 

AgileTech Vietnam offers excellent fintech software development services, from IT consulting to ongoing maintenance. They help financial institutions, fintech startups, and even government agencies translate their objectives into functional products smoothly. By harnessing cutting-edge technologies and modernizing your current systems, AgileTech’s elite developers ensure successful project outcomes, consistent quality, and timely delivery. 

Over the years of operations, AgileTech has positioned itself as a trusted fintech software developer. It’s all thanks to its robust project management capabilities, powerful security management, and refined quality management. They excel at providing custom solutions, peer-to-peer (P2P) lending platforms, payment processing platforms, and financial planning software. 

6. Adamo Software

Adamo Software is a premier software development company headquartered in Ha Noi, Vietnam. 

Their dedicated developers have deep expertise and experience in offering top-tier websites, mobile apps, AI development services, and blockchain services. Especially, their fintech software development services, coupled with the integration of cutting-edge technologies like AI, help transform your financial services and speed up responses to customers. 

Adamo Software offers diverse fintech solutions, including:

• Digital wallets & payment solutions
• Blockchain-enabled solutions like dApps, stock marketplaces, and smart automation for contract
• PaaS (Payment-as-a-Service) platforms
• Payment gateways

The company develops a wide range of must-have and customized features to meet your unique requirements. They range from money transfer, digital payment, and account management to predictive intelligence and advanced fraud detection.

7. Innotech Vietnam Corporation

Innotech, headquartered in Ho Chi Minh City, has impressed global clients with its advanced technology capabilities and high-performance workforce. Its team of 200+ employees has completed more than 200 projects across industries, and 90% of clients come back to the company for its dedication to excellence and quality. 

Innotech has deep fintech expertise and hands-on experience in integrating fintech software with various third parties. This not only helps modernize your existing systems with advanced technologies but also meets your integration needs. They also work closely with BFSI clients to develop solutions in compliance with high-quality and security standards at a reasonable cost. By adopting Agile development and DebOps processes, the company can deliver solutions on time, reducing risks during development phases. 

Some of their typical clients, especially in the financial sector, include TymeBank, ACB, Unifimoney, United Overseas Bank (UOB), and Commonwealth Bank of Australia.

8. Relia Software

Since its foundation in 2011, Relia Software has assisted various startups and established businesses in creating successful MVPs and custom software. Their excellent team combines extensive expertise with the latest technologies (e.g., AI/ML, voice assistants, AR/VR) to offer award-winning solutions and personalized experiences. 

When it comes to fintech software development, Relia Software keeps your business ahead of the competition by creating intelligent automation banking solutions. Accordingly, your business can automate the handling of unstructured data from emails, documents, forms, and PDFs. 

With Relia Software’s deep technical skills, your company can revolutionize compliance operations. Their solutions can help you control compliance costs, reduce compliance backlogs, and mitigate regulatory risks. Also, the company focuses on securing users’ personal information seriously by using robust precaution and security measures.

9. HDWEBSOFT

HDWEBSOFT is one of the leading IT outsourcing companies founded in 2012 in Vietnam. They’ve helped fintech startups and businesses go digital successfully through top-notch software development expertise and years of experience. 

Also, they employ solid infrastructure, modern technologies, and top-level security measures to create more than 20 fintech solutions for various clients. These solutions integrate prominent features like payment gateways, peer-to-peer lending, and smart finance management. Besides, the company develops advanced features (e.g., AI-powered fraud management and prevention, predictive analytics) to enhance financial operations within these solutions. 

HDWEBSOFT offers various fintech software development services. They involve web/mobile app development, custom fintech software development, inventory management software development, DevOps support, QA & testing services, and more. Some of HDWEBSOFT’s prominent projects include:

• Finch – Australia’s personal financial app
• An end-to-end check-cashing platform
• A versatile cryptocurrency platform.

10. FPT Software

FPT Software is a subsidiary of FPT Corporation, specializing in IT outsourcing services. Over 26 years of operations, the company has gained impressive achievements in software development and consulting across industries, including banking and financial services. 

Accompanying your digital transformation, FPT Software offers high-quality, innovative solutions to address your existing challenges. Whether you want to modernize legacy banking systems, create personalized digital experiences with emerging tech (e.g., AI), or build fully custom solutions, the company can get you covered. They adopt cost-effective and scalable delivery models and ensure the highest security levels for their solutions with ISO 27001, CMMI Level 5, and TMMi Level 5. 

FPT Software has partnered with fintech companies and banks to co-build solutions that disrupt traditional financial services. They accordingly specialize in building digital lending & BNPL platforms, digital wallets, embedded financial solutions, internet banking platforms, loan origination systems, and more. 

One of their successful projects in fintech software development is a P2P platform integrated with AI capabilities. The platform connects banks and customers for digital lending services. It streamlines the loan & credit application process and reduces processing time from 6 days to within 24 hours. 

Conclusion: Partnering for a Smarter Financial Future

Now, you’ve discovered the top 10 fintech software development companies in Vietnam. They have deep technical expertise, fintech industry knowledge, and hands-on experience in solving different financial challenges. Further, they offer full-cycle services, from consulting and market research to development, testing, and ongoing support. Consider your well-defined requirements carefully and compare companies in our list to choose the best one for your project. Interested in fintech software development? Follow our blog to receive more articles about this topic!