Digital bank Cake by VPBank and MISA signed a comprehensive strategic cooperation agreement, exploring a digital financial ecosystem for businesses, business households and individuals.

Ms. Nguyen Thi Ngoan - Chief Financial Officer of MISA and Director of JETPAY Joint Stock Company and Mr. Nguyen Huu Quang - CEO of Cake Digital Bank announced the strategic cooperation between the two units.

Through this agreement, the two parties will coordinate to deploy credit products that are specifically designed, simple and convenient for customers using MISA's platform, based on Cake's digital bank's fast, flexible credit granting capacity and modern financial technology.

At the same time, the two parties will jointly develop comprehensive financial solutions such as payment accounts, savings, card payments and card payment acceptance for MISA customers - especially the group using products such as meInvoice, MISA eShop, AMIS Accounting and CukCuk.

According to data from the Ministry of Finance , in 2024, Vietnam will have 5.2 million households/individual businesses, accounting for about 30% of the country's GDP. This sector is considered the "backbone" in many industries and fields, from industry-agriculture to trade, services... and stands out thanks to its diversity and adaptability to market fluctuations.

As the leading digital bank in the market today, standing out with its extensive application of AI in the entire product service process, Cake believes that cooperating with the leading service provider platform for businesses, business households and individuals today such as MISA, will bring the most optimal solution to access finance, flexible capital, effective personalization... for these millions of customers.

Ms. Nguyen Thi Ngoan - MISA Financial Director and Director of JETPAY Joint Stock Company shared at the event.

Ms. Nguyen Thi Ngoan - Chief Financial Officer of MISA and Director of JETPAY Joint Stock Company said: “MISA and Cake will share the same vision: bringing modern financial technology and services closer to every individual and business, making access to capital, payment and financial management fast - safe - convenient. The combination of two technology platforms and MISA's business ecosystem with Cake's digital finance and banking capabilities will open up new solutions, bringing practical value, especially to the community of small and medium enterprises and individual business households”.

Mr. Nguyen Huu Quang - CEO of Cake Digital Bank shared at the event.

Mr. Nguyen Huu Quang - CEO of Cake Digital Bank shared: " MISA is a strategic partner that helps Cake expand its ability to serve corporate, individual and individual business households - an important pillar of the economy . Connecting the technology platforms between the two sides will help unlock more effective, transparent and convenient digital financial solutions for businesses across all regions of Vietnam".

MISA Joint Stock Company and Cake by VPBank Digital Bank aim to comprehensively develop a digital financial ecosystem dedicated to corporate, household and individual customers.

Up to now, Cake has been present in many digital products in the fields of consumption, retail, e-commerce, transportation, telecommunications, etc., proving its flexible, safe and fast connectivity capacity, capable of expanding a comprehensive financial network to tens of millions of people across the country.

Cake by VPBank is a purely digital bank that applies artificial intelligence throughout its banking operations in line with the “Next GenAI Bank” orientation. By the end of 2024, Cake digital bank will serve more than 6 million customers and provide a full range of personal financial services, including: money transfer, payment, savings, investment linkage, consumer loans, buy now pay later, credit cards, etc., along with other innovative services such as ticket distribution for entertainment, travel, transportation, etc., integrated on the same platform.

In addition, Cake is the first digital bank in Southeast Asia to own a facial biometric solution that meets ISO/IEC 30107-3 level 2 standards using Passive Liveness Detection technology for facial biometrics. Cake also meets the highest standards for payment card data security - PCI DSS 4.0 level 1. In 2024, Cake was voted "Outstanding Digital Bank" by Euromoney and won "Technology Bank of the Year" at the Better Choice Awards. In 2025, The Asian Banker honored Cake in two categories: "Best Digital Bank in Vietnam" and "Top 100 leading digital banks in the world".

Established in 1994, MISA Joint Stock Company has become a leading IT enterprise in Vietnam providing digital transformation solutions in finance - accounting and business administration. Currently, MISA's solutions are serving more than 350,000 customers, including administrative units, communes/wards, schools, businesses, business households and nearly 3.5 million individuals. Not stopping at the domestic market, MISA with the spirit of "Go Global" has brought its products to 22 countries, conquering demanding markets such as the US, Canada, Japan, Australia, ...

In the digital age, MISA continues to play a pioneering role in the development and application of artificial intelligence (AI), aiming to become a leading technology enterprise in Southeast Asia, providing software solutions, AI intelligence, robotics and finance for business households, enterprises, government agencies and people.

Source: https://www.misa.vn/153069/ngan-hang-so-cake-by-vpbank-va-misa-ky-ket-hop-tac-chien-luoc-toan-dien-khai-pha-he-sinh-thai-tai-chinh-so-danh-cho-ca-nhan-va-ho-kinh-doanh-ca-the/