In early 2025, Fundiin – Vietnam's leading Buy Now, Pay Later (BNPL) platform has officially joined forces with CIMB Bank Vietnam, one of ASEAN's top banking institutions, to revolutionize access to credit for Vietnamese consumers.

Currently, only 4% of Vietnam's population holds a credit card, and a significant portion of the country remains underserved by traditional banking systems. This partnership marks a pivotal moment in addressing these gaps. Through Fundiin's innovative BNPL solution, combined with CIMB's robust financial infrastructure, this collaboration is set to offer more consumers, particularly those left out of the traditional financial ecosystem, with accessible, flexible, and sustainable credit options.

The new offering, called "Trả góp Tối ưu", harnesses cutting-edge data science to improve credit accessibility. By analyzing credit records and transaction data, Fundiin ensures accurate lender matching, optimizing both approval rates and loan interest to suit individual customer profiles.

For both Fundiin and CIMB Bank, this partnership represents more than just a business move – it's a step toward transforming Vietnam's financial ecosystem. The collaboration is poised to democratize credit and provide a seamless, more affordable way for consumers to access financial services that were once out of reach.

Mr. Nguyen Anh Cuong, Fundiin CEO, mentioned:
"Fundiin's partnership with CIMB aligns with Fundiin's growth strategy to offer high standard digital financial products to a broader consumer base. The combination of Fundiin's technology platform & data science with CIMB's strong financial foundation will further help drive financial inclusion in Vietnam."

Ms. Le Hien Trang, from CIMB Vietnam, added:
"As a leading ASEAN bank with deep experience in digital finance, CIMB Vietnam is committed to offering adaptable and transparent credit solutions. Our collaboration with Fundiin allows us to extend financial opportunities to underserved communities, empowering consumers through technology-driven solutions that make credit more accessible. Together, we're paving the way for a future where financial inclusion isn't a privilege but a standard."

The partnership between Fundiin and CIMB is just the beginning. Both parties are committed to continuous innovation, developing tailored digital financial products that cater to specific customer segments – especially those with limited or no credit history. By helping these individuals gradually build their personal credit, Fundiin and CIMB aim to create a clear pathway for consumers to move toward more advanced financial services down the line.

As this collaboration unfolds, Fundiin and CIMB Bank Vietnam are setting the stage for a new era of financial empowerment, one where access to credit is redefined, and consumers are put at the heart of the financial ecosystem.