FPT SOLUTION-

DIGITAL FINANCIAL ECOSYSTEM

FOR BUSINESS ENTITIES

FIS Bank, 06/2023

In 2023, FPT hopes to do everything to make employees happy, customers happy,
and even business leaders happy.
Mr. Truong Gia Binh – FPT Techday 2022
Valuechain current problem
SME
Credit Banks information
assessment
Deb
Risk monitorin Cashless collection
information payment

disbursement discount
Capital for time. Paid back
Capital for discount
production
Looking for
good source

Customer
development
Looking for
Looking for suppliers
distributor

Demand forecasting – adjust production & supply based on data

Shorten payment time Cost competition, customer development

 Agriculture value chain

Growing Processing Storage

Inputs End market
Production & Packing & Distribution
• Seed, fertilizer, • Smallholder • Cooporatives • Cooporatives • Local
pesticides, famers • Small and medium- • Small and medium- • National
herbicides • Mediung scale sized enterprises sized enterprises • International
• Land, labor, water, farming • Transnational • Transnational
irrigation, draught • Large scale corporation corporation
power farming
• Certification, market
• Limited skills, technology and adaptive research
information, credit
According to for productivity, quality, and safety
enhancement
“Agriculture, Natural Resources and Rural Development • Low level of awareness, knowledge, and skills
Sector Assessment, Strategy and Road Map - Viet Nam along the value chain
• Fragmented value chains result in missed
2021–2025” Report
opportunities
• Weak enforcement of regulations pertaining to
input supplies and food safety
• Inaccessible appropriate financing
 PAIN POINTS OF VIETNAM’S BUSINESSES vs. BANK LOANS

% of businesses finding
M
55.6% access to bank loans as SME’s credit balance out
their biggest concern E of the whole economy’s 19%
A credit balance
N
% of enterprises W
56.7% having difficulty in
H
accessing bank loans
I % of businesses
L accessing bank loans 17.8%
E
Average bank loan
9-10%
9-10%
interest rate

Sources: Provincial Competitiveness Index (PCI), VCCI (2022) & the State Bank of Vietnam (03/2023)
 PAIN POINTS OF VIETNAM’S BUSINESSES vs. BANK LOANS

When trying to access bank loans, businesses

face varity of obstacles 12.5% of businesses borrows from
usury (informal credit), even
though, this form of credit has very
79.4% No collateral high interest rate of 46.5%

74.8% Difficult loan conditions

12.3% Lack of transparency in procedures

There’s a need for better system
which helps businesses
approach bank loans faster and
5.6% Short-term bank loan
easier

7.5% Other difficulties in bank loan process

Sources: Provincial Competitiveness Index (PCI), VCCI, 2022
 VIETNAM’S CORPORATE DIGITAL TRANSFORMATION

82% businesses of all kind uses an

accounting software, but ERP
coverage is still under 2%

~VND 800
Estimated market volume for
Trillion Supply chain finance market in
Vietnam (2025)

ERP
Qualification Number
Coverage
Big enterprises 18.004 5-7% Limitation or lack of digital
<200 employees/ 5-7% transformation in businesses’
Medium sized 23.895
$10M revenue digital operations while the
<100 employees/ market size for supply chain
Small sized 163.760 3-5%
$1M revenue finance is potential
<20 employees/
Tiny/ Micro sized 478.601 <1%
$150K revenue
Sources: The Enterprises White Book 2022, MPI & FIS Expert Analysts, 2023
 FPT SOLUTION-
FPT DIGITAL FINANCIAL SERVICES
ECOSYSTEM
 FPT Digital Financial Services Ecosystem

Seamless Process

2024++
Paperless Office

Time Saving

2024++

Cost Saving
 A case of eTradeVN manufacturing value chain

Digitize end-to-end the value chain

Logistic
Logistic
Logistic

Shop/ outlet
Distributors Digital
touchpoint
Manufacturer
Consumer
Distribution network
Suppliers network
network
Data DX & finance
DX & finance
solution solution

Smart Facturing Bank products

Smart Enterprise Credit card
OMS DMS eContract eInvoice Supply chain finance Buy now pay later
Smart Logistic Coporate business Insight Trade Finance insurance
AI Big Data Block-chain Credit rating Credit scoring
E2E WORKING CAPITAL FINANCING SOLUTION PLATFORM FOR
BUSINESS ENTITIES

FPT Digital Financial Services

Ecosystem
End Bank/ Other SCF
Corporates
User Providers

Frontoffice Corporate FIS Operation

Bank web
web/ app web

Enterprise Contract PO & Invoice Trade

Main onboarding signing Mngt Documents
functions Letter of SCF e-Guarantee
Reconciliation
Credit Financing

Risk AML Financial Health Insurance

Mngt Monitor

Data Big data AI & ML Data analytics

Blockchain
Integration Full node ERP API SFTP

Infrastructure FPT Cloud & FPT Blockchain Infrastructure

 WHAT CUSTOMERS TALKING ABOUT US
Available for bank
Apply a wide range of effective
frontend & backend
digital transformation solutions
system
(eKYC, eContract, eSignature,
OCR, AI…)
Technology

Comply with Vietnam’s

Provide a comprehensive regulations on safety &
solution connecting security
Enterprises and Banks for
both Trade finance & Product
Security
Supply chain finance functionalities
FPT Cloud & FPT Blockchain
platform enhance platform
business & security

Breakthrough development to
save time & processing costs for
banks with electronic messaging
system for domestic L/C Develop new business models
Business New business on the basis of mutually
support models beneficial cooperation with
Effectively support banks & Banks & Anchors
businesses to monitor financial
health of business & partners
Co-create Breakthrough digital financial services &
business acceleration for Enterprises
THANK YOU