Atomi Digital

What Atomi Digital does

Atomi Digital (Công ty Cổ phần Atomi Digital) is a privately-held Vietnamese financial technology and IT services company founded in 2017 and headquartered at the LPB Building, 17 Tôn Đản, Hoàn Kiếm, Hanoi. The company develops and implements digital transformation solutions primarily for banks, insurance firms, and adjacent enterprises in Vietnam, targeting enterprise clients through direct sales. Its flagship offering is the Olympus Ecosystem, an integrated platform spanning digital banking, payment gateways, e-wallets, eKYC, open banking APIs, mobile and digital branch transformation, and banking-as-a-service. The Olympus suite is complemented by vertical-specific products including Atomi Insurance (non-life insurance management), Omni Bancassurance (CRM/Core Banking/Core Insurance integration), Atomi Biometrics Services (multi-modal biometric authentication), Atomi Agri Cloud (blockchain- and IoT-based agricultural supply chain management), Olympus Risk Management (AI-based fraud monitoring), and electronic signature and contract solutions. Technology foundations include proprietary computer vision, OCR/ICR, voice biometrics, and anomaly detection modules, with deployment supported on Microsoft Azure and AWS infrastructure.

The company monetizes through four streams: (1) proprietary software licensing and subscription (Olympus suite), (2) IT consulting and implementation services across SAP, Oracle, Microsoft, and IBM stacks, (3) software license, hardware (Lenovo, HP, Dell), and cloud infrastructure resale, and (4) distribution of phone recharge and game cards for Vietnamese telecom and gaming operators (Viettel, Vinaphone, Mobifone, Vietnamobile, Gmobile; VGG, Vega, Scoin, Appota, OnCash, Gate). The sales motion is enterprise field sales with on-site deployment and 24/7 support.

Atomi claims 100+ engineers and consultants, 20+ enterprise customers, and 100+ completed projects. Visible anchor clients include LPBank (Lienvietpostbank) — whose building hosts Atomi's headquarters — and Sacombank, with additional logos for Macca and Him Lam. The Olympus Ecosystem received the Top 10 Sao Khuê award (2019) and represented Vietnam at APICTA 2019. The firm operates exclusively in Vietnam with no disclosed outside investment, M&A activity, or geographic expansion to date.

Name

Atomi Digital

Legal name

Công ty Cổ phần Atomi Digital

Website

https://atomi.com.vn

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Atomi Digital is a Vietnamese FinTech and IT services company, founded in 2017 and headquartered in Hanoi, that builds and implements digital banking, insurance, biometric authentication, and agricultural technology solutions for enterprise banking and financial services clients in Vietnam.

Ownership category

akta.pro rank

Product category

Digital Banking Software

NAICS

Software Publishers (5132), Credit Bureaus (561450)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAGAHAF

Digital Identity, eKYC & Borrower Verification (Lending-Focused)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

SECONDARYHDAEANAG

Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Artificial Intelligence Platforms for Enterprise

SECONDARYFSAPAEAI

Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers)

Financial & Insurance/Blockchain & Web3/DeFi & On-Chain Financial Services (lending, derivatives, stablecoins, payments)

SECONDARYFSAPABAK

Account Abstraction & Smart Wallet Tooling (AA SDKs, paymasters, session keys)

Financial & Insurance/Blockchain & Web3/Smart Contract Platforms & Developer Tooling (SDKs, APIs, indexing, oracles)

Keywords

• Digital banking solutions
• Biometric authentication
• Insurance management software
• Fintech IT consulting
• Payment and e-wallet platforms

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Software Solutions and Licensing: Revenue from providing proprietary financial technology software solutions including digital banking platforms, insurance management systems, and biometric authentication solutions under licensing or subscription models
2. IT Consulting and Implementation Services: Professional services revenue from consulting and implementing IT solutions including SAP, Oracle, Microsoft, IBM systems integration and deployment
3. Software Licenses and Hardware Infrastructure: Revenue from distributing software licenses (SAP, Oracle, Microsoft) and hardware infrastructure (IBM, Lenovo, HP, DELL) as well as cloud computing services (Microsoft Azure, Amazon)
4. Scratch Cards, Game Cards and Datacode Distribution: Distribution of phone recharge cards, game cards and datacodes for telecom operators (Viettel, Vinaphone, Mobifone, Vietnamobile, Gmobile) and game providers (VGG, Vega, Scoin, Appota, OnCash, Gate)

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Atomi Digital develops and licenses proprietary financial technology software for banks and insurance companies in Vietnam, with the Olympus Ecosystem as its flagship suite covering digital banking, payment gateway, e-wallet, eKYC, open banking and digital branch transformation. The company also delivers biometric authentication, insurance and bancassurance management platforms, an agri-supply chain platform, and complementary IT consulting/implementation services for SAP, Oracle, Microsoft and IBM stacks.

Product overview

Atomi Digital provides a comprehensive digital transformation platform for the banking, insurance, and financial services industries in Vietnam. The core offering is the Olympus Ecosystem, an integrated suite of digital banking solutions. Key products include: Olympus Digital Banking (unified online banking platform), Olympus Mobile Branch (mobile banking app), Olympus Digital Branch (digital branch transformation), Olympus Open Banking (Open API platform), Olympus eKYC (electronic identity verification), and Olympus E-Wallet (digital wallet). The company also offers vertical-specific solutions including Atomi Insurance (non-life insurance management), Omni Bancassurance (bank-insurance integration), and Atomi Biometrics Services (multi-modal biometric authentication). Beyond banking, Atomi Digital provides Atomi Agri Cloud for agricultural supply chain management, Olympus Risk Management for fraud detection, Atomi eSignCloud for remote digital signatures, Atomi eContract for electronic contracts, and Olympus BaaS for embedded banking. Supporting services include IT consulting, system integration, software licensing, hardware provision, and distribution of phone/game cards.

Differentiator

Problem solved

Functional benefit

Brands

• Olympus Ecosystem: Hệ sinh thái thanh toán, Ví điện tử và Ngân hàng số - Payment ecosystem, E-wallet and Digital Banking solution
• Olympus Digital Banking
• Omni Bancassurance
• Atomi Insurance
• Atomi Biometrics Services
• Atomi Agri Cloud
• Olympus eKYC
• Olympus E-Wallet
• Olympus Digital Branch
• Olympus Open Banking
• Olympus Mobile Branch
• Olympus BaaS
• Atomi eContract
• Atomi eSignCloud
• Olympus Risk Management

Products and services

• Olympus Ecosystem Integrated digital banking and payment ecosystem encompassing digital banking, e-wallet, biometric authentication, open banking and payment gateway solutions for banks and enterprises in Vietnam.
• Olympus Digital Banking Digital banking platform that unifies online transaction channels into a single application, serving as a mobile banking solution for both retail and corporate customers of banks.
• Olympus Digital Branch Digital branch transformation solution combining self-service kiosks, a unified user interface, AI cameras, appointment booking and autobank technology to reduce transaction time and operational costs for banks.
• Olympus Mobile Branch Mobile banking application integrating core branch functions for bank staff to conduct transactions, manage KPIs and interact internally, extending to an agent banking model.
• Olympus Open Banking Open banking platform providing Open APIs enabling third parties to access banking data and services, supporting embedded banking and white-label banking models.
• Olympus BaaS (Banking-as-a-Service) Banking-as-a-Service platform encompassing Open Banking APIs, Embedded Banking and White-label Banking solutions for banks and partners to offer embedded financial services.
• Olympus eKYC Electronic customer identification solution using six technologies (OCR, ICR, Liveness Check, Face Matching, Face Search, Video Call and Face OTP) for remote identity verification by financial institutions.
• Atomi Biometrics Services Multi-modal biometric authentication combining voice, face, fingerprint, iris, hand geometry and signature recognition with OCR document reading for fraud prevention at banks and financial institutions.
• Olympus E-Wallet Digital wallet solution enabling top-up, withdrawal, bank linking, bill payment, mobile top-up, money transfer, online shopping and financial services on a single platform.
• Atomi Insurance Digital insurance management solution that transforms non-life insurance processes from traditional to online, including multi-channel distribution, automated claims and data analytics for insurers.
• Omni Bancassurance Insurance business management solution for banks that connects CRM, Core Banking and Core Insurance systems to manage insurance sales operations and customer data through bancassurance channels.
• Atomi Agri Cloud Smart agriculture management platform for associations, factories and agricultural enterprises covering the full supply chain from farmers to consumers, with Blockchain traceability, GIS mapping, IoT integration and an online trading marketplace.
• Olympus Risk Management Automated transaction monitoring and risk management solution using AI and data analytics to detect suspicious transactions and prevent fraud in real-time and near real-time for financial institutions.
• Atomi eSignCloud Remote cloud-based digital signature solution for financial institutions enabling electronic document signing without USB tokens or SIM cards, supporting online account opening and loan agreements.
• Atomi eContract Electronic contract solution allowing businesses to sign contracts with partners and customers digitally, with audit trails and cryptographic storage for compliance.
• IT Consulting and Implementation Services IT consulting, system integration and implementation services covering SAP, Oracle, Microsoft and IBM stacks, along with software licensing, hardware infrastructure provision, cloud services (Microsoft Azure, AWS) and 24/7 technical support for enterprise clients.

Quantifiable outcome

• Face Verification processing speed less than 0.1s
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability10 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• LPBankcoreStrategic or Co-development PartnerLPBank (LienVietPostBank) is a key client and partner where Atomi Digital has deployed its headquarters and implemented digital banking solutions including Olympus ecosystem.
• SacombankcoreStrategic or Co-development PartnerSacombank is a key client where Atomi Digital has implemented digital banking solutions including eKYC and other financial technology systems.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mambu: Cloud-native core banking and lending platform. Comparable as a SaaS banking infrastructure provider pursuing the same digital transformation RFPs.
• Thought Machine: Cloud-native core banking platform. Comparable as a next-generation banking infrastructure vendor competing for the same digital transformation budgets at large banks.
• VNPay: Vietnamese fintech providing payment infrastructure, eKYC, and digital banking services to banks and merchants. Directly comparable as a domestic peer offering biometric identity, payment gateways, and bank digital transformation solutions.
• Backbase: Global digital banking platform serving retail and corporate banks. Comparable as a competing digital banking modernization vendor targeting the same bank CIO buyer.
• ZaloPay: Vietnamese e-wallet and payment platform. Comparable on payments and e-wallet functionality overlapping with Atomi's Olympus E-Wallet module.
• Momo: Vietnamese e-wallet and fintech super-app. Comparable on consumer-facing digital payments and e-wallet functionality within Atomi's Olympus E-Wallet offering.

Regional players

• CMC Corporation: Vietnamese IT and telecom conglomerate with financial services solutions. Comparable as a domestic peer offering banking and financial IT services with system integration capabilities.
• FPT Information System (FPT IS): Vietnamese IT services arm of FPT with a dedicated banking practice. Comparable as a domestic competitor providing banking IT consulting, system integration, and proprietary solutions.

Broad incumbents

• Temenos: Global banking software vendor offering core banking, digital channels, and analytics. Comparable as a broader-suite incumbent competing in the same banking modernization space.
• Infosys Finacle: Global banking platform from Infosys/EdgeVerve offering digital banking, core banking, and analytics. Comparable as a large-scale incumbent pursuing Vietnamese and regional bank deals.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AtomiDigitalPage
• LinkedInlinkedin.com/company/atomi-digital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atomi Digital