Thao Phan

In Vietnam, 5.6 million micro, small, and medium enterprises (MSMEs) are currently underserved by financial institutions. Yet these financial institutions find this segment difficult to serve profitably because of its low ticket size, high-cost structure, and perceived high risk. Kim An, founded in 2013, bridges this gap by providing a platform that enables financial institutions to run automated credit processes and provide products tailored to the needs of MSMEs. Kim An is a fintech platform with strong differentiators to capture the market, utilizing funding from licensed financial institutions to lend to micro-businesses. For funding partners, such as banks, peer-to-peer lenders, and financial companies, Kim An provides end-to-end service and technology integration in the sale, credit scoring, and loan management.