Financial Solutions and Application


We offer to rate creditworthiness instantly using a given phone number. With just a phone number, Vega Fintech can instantly evaluate creditworthiness of a borrower. The real-time credit score evaluation enables banks and financial institutions to reduce risks, detect frauds and increase productivity in the underwriting process, even in cases where borrowers are under-secured or unsecured with little to no credit history. One Credit Score allow partners to develop more personalized financial products, reaching underserved customers and optimize capital usage.

We utilize various machine learning models to evaluate credit scoring including:

  • Logistic Regression
  • Decision Tree
  • Random Forest

Along with more than 10.000 features from our multi-dimensional databases, our credit score performs with Gini >0.5 relative to traditional FICO score



Our anti-fraud solution offers to evaluate the accuracy of input information by users. Depending on the requirements from our partners, we can develop a multiple dimensional anti-fraud solution assess input information including but not limited to:

  • Locations
  • Related phone numbers
  • Outstanding loans
  • SIM usage level



Automated facial recognition and verification (comparing with selfies of user) using national ID, passport, and driver license.



Our AI-powered reader converts ID photo into text, recognizable ID includes: 

  • Different forms of national ID
  • Passports, driver license

Our reader returns results with high accuracy even with low resolution, black-white photos; saving processing time and improve customer experience.


Vega Fintech developed and provides Ads platform, in which our partners can run business campaigns through channels including:

  • Google
  • Facebook

Vega Fintech also provides BI solutions to reach potential customers with features including:

  • Basic features: Devices, Gender, Ages, Topup…
  • Advanced features: Wages, Jobs Prediction; Behaviors (shopping, entertainment, ...)


With the goal of improving productivity and customer satisfaction in the lending process of our partners, Vega loan management solution offers support and incorporate technology at multiple points during the lending process, including understanding borrower profile, loan application processing, disbursement, and post-loan management. The main features of Vega loan management system include:

  • Providing automated end-to-end lending process
  • Vega platform is suitable for many financial products
  • Borrower data management
  • Flexible API can be integrated into other existing systems


Using telco data and predictive modeling, Vega lead generation service can identify and reach out potential customers, who satisfy predefined criteria from our partners and are likely to have demands for financial products. By utilizing big data analytic and machine learning technology, through advertising channels including SMS, Facebook, Google and our Ads Platforms, Vega Fintech can provide leads matching requirements from our partners such as:

  • Demographic
  • Working/living location
  • Income
  • Occupation
  • Behaviors, hobbies, etc.


Vclick is a registration portal connecting your borrowing need with established financial institutions. With the underlying market model, through Vclick, users will be matched with the most suitable financial product using AI technology to assess their creditworthiness and confirm their applications through our eKYC process. Vclick will reduce the amount of paperwork required when customers apply for a loan compared to in-person application. Our lending partner at Vclick will always be established financial institutions with lending licenses backed by the State Bank of Vietnam. As such, loan products offered on Vclick are competitive with attractive interest rates.