About FinOS

Building the Financial OS for Southeast Asia

FinOS is a Vietnamese FinTech company building the digital financial infrastructure for banks, fintechs, and the broader ecosystem.

Get in TouchOur Mission
10+
Products & Solutions
10+
Integration Partners
99.9%
Uptime Guarantee
eKYCeSigneConnecteCrediteDocAIMLendingMInvestmentMInsuranceeRecruiteTrustFinOSPLATFORMSOUTHEAST ASIA
One platform · four pillars
Digital IdentityeKYC · eSign
Document AIeDocAI
Embedded FinanceLending · Invest
EngagementeConnect · eRecruit

Our Mission & Our Vision

Our Mission

To empower financial institutions with modular, AI-driven technology that accelerates digital transformation — making finance faster, smarter, and more accessible.

Our Vision

To become the leading financial operating system in Southeast Asia — the trusted infrastructure layer powering the next generation of financial services.

FinOS by the numbers

10+
Products & Solutions
10+
Integration Partners
99.9%
Uptime Guarantee

What We Stand For

The values guiding every product decision and partner engagement.

Security & Compliance, by Design

Architected to international security standards and Vietnamese regulatory requirements — not bolted on. End-to-end encryption and full audit trails.

Plug-and-Play Integration

API-first. Integrates alongside core banking — no core replacement required. Modular, so partners adopt only what they need.

Production-Proven

Not a POC — running in production for banks and fintechs across Vietnam.

Built for VN, SEA-Ready

Localized for Vietnam first; architected to extend across Southeast Asia as we follow our regional roadmap.

Independently verified security

OWASP Security Assessment Certificate

The FinOS platform — API Console, Partner Portal and eKYC Mobile SDK — has been independently penetration-tested by CMC Cyber Security against OWASP standards. This is the shared platform that runs eKYC, eSignSuite and the rest of the FinOS product line.

Assessed by
CMC Cyber Security
Standard
OWASP Security Assessment
Certificate no.
18092026/CN-CMCCS
Date of issue
18 September 2026
The certificate
English version
Vietnamese version
OWASP
Assessment scope
11
  • 01Web application survey & information gathering
  • 02Configuration & deployment management
  • 03Identity information management
  • 04Authentication mechanism
  • 05Authorization mechanism
  • 06Session management mechanism
  • 07Input data validation
  • 08Encryption mechanism
  • 09Business logic & workflow
  • 10Client-side assessment
  • 11Results reporting & remediation recommendations

Certificate valid as of the assessment date. Tested targets: API Console, Partner Portal and eKYC Mobile SDK (Android/iOS).

Our Products

Ten modular solutions across digital identity, document AI, embedded finance, and customer engagement.

eKYC

AI-powered identity verification — automate ID document recognition, facial matching, and liveness detection to onboard customers digitally in seconds.

Learn more

eDocAI

AI-powered document intelligence — OCR, classification, data extraction and auto-generation of reports turning unstructured documents into actionable data.

Learn more

eConnect

Multi-channel conversational AI for chatbot and voicebot across Web, Facebook, Zalo, Telegram — with knowledge management, sentiment analysis and seamless agent handoff.

Learn more

eRecruit

AI-driven talent management covering the full recruitment lifecycle — CV parsing, AI screening, video interviewing, pipeline management and contract signing.

Learn more

eSignSuite

Integrated digital transaction platform combining eSignature, eContract and eInvoice — full lifecycle from drafting to compliant e-invoicing under Vietnamese GDT standards.

Learn more

eCreditScore

AI-powered credit scoring engine — processes data from both traditional sources and new alternative sources proprietary to FinOS for accurate, real-time risk assessment.

Learn more

Micro-Investment

Plug-and-play technology supporting the end-to-end investment lifecycle, with a vast network of pre-configured asset managers & product distributors.

Learn more

Micro-Lending

Plug-and-play technology supporting the end-to-end lending lifecycle, with a vast network of pre-configured lenders & product distributors.

Learn more

Micro-Insurance

Digital insurance distribution — research, compare, purchase and manage insurance entirely online without in-person agents.

Learn more

eTrust Platform

End-to-end customer journey orchestration — combine eKYC, eSignSuite, eCreditScore and more into a single trusted onboarding flow.

Learn more

MinuteMate

AI meeting companion — record meetings, auto-summarize with AI, track action items, and deliver a polished minutes (MoM) email with DOCX and XLSX attachments.

Learn more

Guardian Suite

Campus safety & presence platform — multi-layer identity (face + dual-chip card), AI video safety, smart attendance and emergency response on a shared Guardian Core.

Learn more

Interested in partnering with FinOS?

Let's discuss how our modular platform can accelerate your digital transformation.

Get in Touch