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越南电子钱包和移动支付报告!| 出海越南支付岛群第1期

2019-08-07 13:01:53

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根据Nhip Cau Dau Tu杂志最近进行的一项调查显示,在这个领域,M_Service的MoMo移动支付应用程序是无可争议的领导者,估计拥有1000万用户,以及越南最受欢迎的电子钱包。 MoMo是一个移动钱包和数字支付应用程序,允许用户进行现金转移,支付超过100种账单,充值手机账户,结算个人贷款,购买服务,包括软件许可证,在线游戏券,以及航空公司和电影票。



今年早些时候,该创业公司完成了由总部位于美国的私募股权公司Warburg Pincus领导的C轮融资。虽然该公司尚未披露数额,但M_Service的首席执行官Pham Thanh Duc表示,这是对越南电子商务或金融科技创业公司的创纪录交易。 Deal Street Asia将这一数字定为1亿美元,成为越南创业公司有史以来最大的单轮融资之一。


MoMo执行副主席兼创始人Nguyen Ba Diep表示,虽然越南有大约30家电子钱包服务提供商,但只有四家获得了显着的吸引力,即MoMo,ViettelPay,ZaloPay和Moca。



ViettelPay由军方运营的电信提供商Viettel于4月份推出。 Viettel最近宣布成立一家名为Viettel Digital Services Corporation(VDS)的新子公司,专注于开发其数字生态系统。特别是,该公司的任务是开发一种新的移动货币服务,针对农村和偏远地区的人们,这些服务将允许用户转移和接收资金,以及通过智能手机进行支付。

另一家出现在数字支付领域的越南电信公司是VNPT,它运营着电子钱包服务VNPT Pay。 VNPT公布了1月份进入移动支付业务的计划。

其他值得关注的越南电子钱包包括V-FPT,由FPT Wallet运营的服务,FPT是越南最大的信息技术服务公司FPT与该集团的在线购物部门Sendo.vn的合资企业。 VTC Pay,越南多媒体公司的数字钱包和支付网关;和Payoo,越南运营的数字支付解决方案。





据Nikkei Asian Review报道,6月,电子钱包服务VIMO和销售点(POS)创业公司mPOS合并并合并了他们的业务。这家名为NextPay的新公司声称拥有150万电子钱包用户,并在45个城市拥有超过35,000个接受点。据估计,它将处理价值15亿美元的2019年款项。

VIMO和mPOS创始人现任NextPay董事长Nguyen Hoa Binh表示,该公司正在筹集3000万美元的B轮融资,目标是在国内发展并向海外扩张,并计划在2020年进入印度尼西亚和缅甸。它还与点对点贷款创业公司Vaymuon合作,开始测试今年的商业和消费者贷款服务。

今年早些时候,Vingroup的忠诚度计划VinID收购了由当地公司People Care创建并运营的数字钱包应用程序MonPay。数字支付解决方案已集成到VinID应用程序中。

“我们拥有许多电子支付系统和不同的电子钱包,只有少数能够存活下来,”RMIT金融学院负责人Binh Nguyen告诉“日经亚洲评论”。


ZaloPay得到了该国第一只独角兽VNG公司的支持,而Moca在2018年签署了一项协议,作为Grab Vietnams的数字钱包服务运营。 AirPay得到新加坡互联网公司Sea的支持,VNPay已收到新加坡主权财富基金GIC的投资。






Overview of Vietnam’s Major E-Wallet and Mobile Payment Players


In Vietnam, digital and mobile payment is undeniably the most developed and crowded fintech segment.

According to the State Bank of Vietnam (SBV)’s recently updated list, there are currently 30 licensed non-bank payment intermediary intermediary services in the country with around 20 of these offering e-wallets, according to Nikkei Asian Review.

In the space, M_Service’s MoMo mobile payment app is the undisputable leader with an estimated 10 million users, and Vietnam’s favorite e-wallet, according to a recent survey conducted by Nhip Cau Dau Tu magazine. MoMo is a mobile wallet and digital payment application that allows users to make cash transfers, pay more than 100 types of bills, recharge mobile phone accounts, settle personal loans, and purchase services including software licenses, online game vouchers, as well as airline and movie tickets.

Following on the step of successful Asian tech players and platforms like Tencent’s WeChat, Indonesia’s Go-Jek and Singapore’s Grab, MoMo has been working towards becoming a so-called “super app” and has integrated several new functions and services. Today, it counts some 10,000 partners in various fields such as consumer finance, insurance, utility and entertainment payments, e-commerce, shopping and transportation. It recently implemented a money saving feature.

MoMo has some big-name investors: Standard Chartered led a US$28 million round in 2016, and Goldman Sachs invested US$5.8 million back in 2013.

Earlier this year, the startup closed a Series C funding round led by US-headquartered private equity firm Warburg Pincus. Though the company has not undisclosed the amount, Pham Thanh Duc, CEO of M_Service, said it is a record deal for an e-commerce or fintech startup in Vietnam. Deal Street Asia puts the number at round US$100 million, making it one of the largest single rounds ever raised by a Vietnamese startup.

             MoMo banner, momo.vn

According to Nguyen Ba Diep, executive vice chairman and founder of MoMo, though there are about 30 e-wallet service providers in Vietnam, only four have gained notable traction, namely MoMo, ViettelPay, ZaloPayand Moca.

ZaloPay, developed by ZION, provides a diverse mobile wallet ecosystem that includes different types of services. The platform allows users to pay for utility bills, make money transfers via QR code, and is integrated with bank accounts for cash withdrawals or purchases.

ZaloPay runs on Zalo, Vietnam’s premier chatting platform that counts more than 100 million users worldwide.

ViettelPay was launched in April by military-run telco provider Viettel. Viettel recently announced the establishment of a new subsidiary company called Viettel Digital Services Corporation (VDS) focusing on developing its digital ecosystem. In particular, the company has been tasked to develop a new mobile money service targeted at people in rural and remote areas that would allow users to transfer and receive money, as well as make payments via their smartphones.

Another Vietnamese telco that’s present in the digital payment space is VNPT, which operates the e-wallet service VNPT Pay. VNPT unveiled plans to get into the mobile payment business in January.

Other noteworthy e-wallets in Vietnam include V-FPT, a service operated by FPT Wallet, a joint venture between FPT, the largest information technology services company in Vietnam, and the group’s online shopping unit Sendo.vn; VTC Pay, a digital wallet and payment gateway by Vietnam Multimedia Corporation; and Payoo, a digital payment solution operated by Viet Union.

According to local media citing statistics from the SBV, there are currently an estimated 4.2 million authenticated e-wallet users out of the country’s nearly 100 million people, leaving plenty of opportunities for players.


Digital payment landscape set for consolidation

But Vietnam’s fast-growing, yet fragmented digital payment landscape, has begun witnessing the first signs of market consolidation.

In June, e-wallet service VIMO and point-of-sale (POS) startup mPOS, merged and combined their operations, reports Nikkei Asian Review. The new company, called NextPay, claims to have 1.5 million e-wallet users and more than 35,000 acceptance points across 45 cities. It estimates it will handle US$1.5 billion worth of payments 2019.

VIMO and mPOS founder Nguyen Hoa Binh, now chairman of NextPay, said the company is in the process of closing a US$30 million Series B funding round and aims to grow at home and expand abroad, with plans to enter Indonesia and Myanmar in 2020. It has also partnered peer-to-peer lending startup Vaymuon to begin testing merchant and consumer lending services this year.

Earlier this year, Vingroup’s loyalty program VinID acquired digital wallet app MonPay, a product created and run by local company People Care. The digital payment solution was integrated into the VinID app.

“We have many e-payment systems and different e-wallets and only a few will survive,” Binh Nguyen, discipline lead of finance at RMIT, told Nikkei Asian Review.

“The one that will survive, are the ones that are able to build up a proper ecosystem and in order for them to do so, they need funding. So this will either be through merger or foreign investors or domestic banks.”

ZaloPay is backed by VNG Corp., the country’s first unicorn, while Moca signed a deal in 2018 to operate as Grab Vietnams’ digital wallet service. AirPay is backed by Singapore Internet company Sea, and VNPay has received investment from Singapore’s sovereign wealth fund GIC.






蓝船出海(Blue Boat Global),一个专注于(物)互联网属性公司拓展海外市场的B2B出海服务社区


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