KB Fina

What KB Fina does

KB Fina (Công ty Cổ phần KB FINA) is a Hanoi-based Vietnamese fintech company founded in 2021 that operates a mobile-first super-app consolidating financial services and lifestyle rewards for Vietnamese consumers. The platform integrates AI-powered equity research (Stock Mentor — claimed as Vietnam's first AI-based stock rating system), securities account onboarding via eKYC to partner KBSV (KB Securities Vietnam), movement-based rewards (Calories Fighter), ad-engagement rewards (KB Pop), voucher redemption (Grab, Lazada), and banking connectivity (OCB OMNI), all unified under a single KB Point loyalty currency redeemable for mobile top-up, e-wallet balance, and partner vouchers.

The core technology stack is a native iOS/Android application with OTP-based registration, facial-recognition eKYC for identity verification, and smartphone sensor integration (accelerometer, geolocation) for movement tracking. AI capability is concentrated in the Stock Mentor module, which applies a recommendation engine over structured financial data (P/E, ROE, technical and growth indicators) to rank equities. Distribution is exclusively self-serve via the App Store and Google Play, supported by a product-led and community-led growth motion that includes internship programs ('The Next Supporters') and user-engagement events.

KB Fina generates revenue through three primary streams: advertising revenue from KB Pop (partner ads shown to users in exchange for KB Points), referral/affiliate commissions from KBSV for securities account openings facilitated through the app, and recurring service fees disclosed via an internal fee schedule. The pricing model is freemium, with base services free to access and premium/paid tiers implied but not publicly enumerated. The primary customer segment is Vietnamese retail investors and lifestyle app users (predominantly millennials and Gen Z in urban areas), with a secondary segment of students and young professionals engaged via community programs. The company reports 200,000+ to 500,000+ users across its movement-rewards features and operates from a single headquarters in Hanoi's Charmvit Tower, with no disclosed subsidiaries, funding rounds, or institutional investors.

Name

KB Fina

Legal name

CÔNG TY CỔ PHẦN KB FINA

Website

https://kbfina.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

KB Fina is a Hanoi-based Vietnamese fintech operating a mobile super-app that combines AI-powered stock rating (Stock Mentor), eKYC-enabled securities account opening with KBSV, movement-based rewards (Calories Fighter), ad-viewing rewards (KB Pop), and voucher redemption, serving Vietnamese retail consumers via a freemium model.

Ownership category

akta.pro rank

Product category

Consumer Mobile Fintech

SIC

Finance Services (6199)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM)

Keywords

• Mobile fintech app
• AI stock rating
• Securities account opening
• Loyalty rewards platform
• Consumer financial services

Headquarters

HQ city

Hanoi

HQ country

Vietnam

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Advertising Revenue (KB Pop): KB Fina earns revenue from displaying partner advertisements within the KB Pop feature. Users watch ads in exchange for KB Points, and KB Fina monetizes the ad inventory from partner brands.
2. Referral/Affiliate Commission from KBSV: KB Fina receives referral fees for directing users to open securities accounts with partner KBSV (KB Securities Vietnam). Users opening KBSV accounts through KB Fina receive KB Points, while KB Fina earns commissions from KBSV.
3. Securities Account Opening Referral: Revenue generated by facilitating KBSV securities account openings via the KB Fina platform, earning referral commissions per successful account opened.
4. Service Fees (Biểu Phí Dịch Vụ): KB Fina charges service fees for certain app services as outlined in its fee schedule. Fees are non-refundable and apply to premium content or subscribed services. Fee changes are communicated at least 30 days in advance.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

KB Fina operates a mobile-first financial super-app for Vietnamese consumers that bundles AI-powered stock rating (Stock Mentor), online securities account opening with KBSV via eKYC, movement-based rewards (Calories Fighter), ad-viewing rewards (KB Pop), voucher redemption, and a unified loyalty point currency (KB Point) redeemable for phone credit, G-Pay wallet balance, and merchant vouchers from partners such as Grab and Lazada. The platform is distributed exclusively through the iOS App Store and Google Play and monetizes via advertising, KBSV referral commissions, and service fees.

Product overview

KB Fina is a unified mobile application platform providing comprehensive financial and lifestyle services for Vietnamese users. The core KB Fina App integrates multiple modules including Stock Mentor (AI-powered stock evaluation), Đầu tư (KBSV securities account opening via eKYC), Calories Fighter (movement tracking with reward points), KB Pop (advertising rewards), KB Fina Voucher (voucher redemption), and KB Crush (lottery rewards). Users earn KB Point loyalty currency through various activities and can redeem rewards for phone cards, e-wallets like G-Pay, and merchant vouchers from partners like Grab and Lazada.

Differentiator

Problem solved

Functional benefit

Products and services

• KB Fina App Comprehensive financial and lifestyle mobile application for Vietnamese users enabling investment, stock trading account opening, reward-based walking/exercise tracking, and advertising viewing for rewards, built with eKYC technology for identity verification.
• Stock Mentor AI-powered stock rating system that evaluates and ranks stock codes on the Vietnamese market across Technical, Valuation, and Growth dimensions, providing Top 5, 10, and 15 stock recommendations with P/E ratios and ROE indicators for retail investors.
• Đầu tư (Investment / KBSV Account Opening) Securities account opening feature that enables users to open KBSV (KB Securities Vietnam) accounts directly through the KB Fina app using eKYC technology, with welcome gifts and special promotions for new account holders.
• Calories Fighter Movement and exercise tracking feature that rewards users with KB Points for walking steps, distance traveled, and group walking activities, with 1 point per 50 steps or 0.5 km traveled, capped at 300 points per day and redeemable for phone credit, G-Pay balance, and vouchers.
• KB Pop Advertising viewing reward feature where users earn random KB Point rewards by watching advertisements from KB Fina's pre-screened partner companies, with a daily cap of five viewings spaced two hours apart.
• KB Fina Voucher Voucher redemption platform allowing users to exchange KB Points for vouchers from partner brands including Grab, Lazada, and other merchants, with a redemption process of approximately three minutes.
• KB Crush Gamified reward lottery program available to users who have successfully opened a KBSV securities account through KB Fina, with daily participation chances based on eligibility criteria.
• OCB OMNI - KB Fina Banking integration feature connecting KB Fina with OCB (Orient Commercial Joint Stock Bank) OMNI banking services, enabling users to access banking functions inside the app.

Quantifiable outcome

• 200,000+ Calories Fighter users and 500,000+ movement reward users demonstrate significant user adoption of the gamified rewards model.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• KBSV (KB Securities Vietnam)coreTechnology or IntegrationKBSV is KB Fina's securities account partner. KB Fina facilitates KBSV securities account opening via its app using eKYC technology. Users opening KBSV accounts through KB Fina receive 100,000 KB Points and special promotions. KBSV provides the securities trading infrastructure while KB Fina provides the client acquisition and onboarding platform.
• ViettelminorOthersViettel is listed among the telecom partners (alongside Vinaphone, Mobiphone, Vietnam Mobile, Gtel) that provide mobile airtime top-up integration. KB Points can be redeemed for phone credit from these carriers.
• Vinaphone (VNPT)minorOthersVinaphone is listed as a telecom partner for mobile airtime top-up integration, enabling KB Point redemption to phone credit.
• MobiphoneminorOthersMobiphone is listed as a telecom partner for mobile airtime top-up integration, enabling KB Point redemption to phone credit.
• Vietnam MobileminorOthersVietnam Mobile is listed as a telecom partner for mobile airtime top-up integration, enabling KB Point redemption to phone credit.
• GtelminorOthersGtel is listed as a telecom partner for mobile airtime top-up integration, enabling KB Point redemption to phone credit.
• GrabminorOthersGrab is a voucher partner listed on KB Fina's platform, allowing users to redeem KB Points for Grab vouchers through the KB Fina Voucher feature.
• LazadaminorOthersLazada is a voucher partner listed on KB Fina's platform, allowing users to redeem KB Points for Lazada vouchers through the KB Fina Voucher feature.
• KB Fina Advertising PartnersminorGTM or Marketing PartnerKB Pop displays advertisements from trusted, pre-screened advertising partners. These partners provide ad inventory that funds the KB Points reward system. Partner brands can be explored via links embedded in KB Pop.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Finhay: Vietnamese micro-investing and wealth management app enabling retail investors to build diversified portfolios. Closely comparable to KB Fina on the investment/onboarding side, both targeting Vietnamese retail investors via mobile with simplified onboarding.
• ZaloPay: E-wallet and payment platform from VNG, integrated with the Zalo social network. Comparable to KB Fina as a Vietnamese consumer fintech super-app combining payments, financial services, and user engagement features on mobile.
• MoMo: Vietnam's largest e-wallet and consumer super-app offering payments, financial services, investments, and rewards. Directly comparable to KB Fina as a mobile-first consumer fintech platform with embedded investment features and a points/rewards ecosystem.
• VNPay: One of Vietnam's leading payment platforms, providing QR payments, banking integrations, and consumer financial services. Comparable to KB Fina as a domestic consumer fintech platform with embedded wallet and bank-rail integrations.
• Timo: Vietnamese digital banking platform (neobank) offering accounts, cards, and savings products via a mobile app. Comparable to KB Fina as a Vietnamese consumer fintech app combining banking services with lifestyle and rewards engagement.
• TCBS (Techcom Securities): Vietnamese securities firm with a leading digital onboarding and trading app. Comparable to KB Fina on the KBSV/retail securities onboarding dimension, and a direct competitor for AI-assisted stock discovery and eKYC account opening.

Broad incumbents

• SSI (Saigon Securities): One of Vietnam's largest and most established securities firms with a broad retail brokerage and digital platform. Comparable to KB Fina on the retail securities dimension, with stronger scale and brand recognition in the same market.
• Grab Financial Group: Super-app financial services arm of Grab operating across Southeast Asia, including Vietnam, offering payments, lending, insurance, and rewards. Comparable to KB Fina as a super-app with embedded financial services, voucher rewards, and a points-based engagement model.

Emerging players

• Reap: Hong Kong / Vietnam-active fintech providing card-based payment and expense solutions for SMEs. Partially comparable to KB Fina on embedded finance and payment infrastructure in the Southeast Asian market.
• Cake by VPBank: Vietnamese digital banking and lifestyle app from VPBank offering accounts, payments, and rewards. Comparable to KB Fina on the consumer super-app with banking integration and lifestyle rewards dimension.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/kbfina.vn
• LinkedInlinkedin.com/company/kb-fina

Revenue estimate

Valuation estimate

Number of profiles

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 KB Fina