The new capital helps the TNEX platform accelerate the application of artificial intelligence (AI) and big data across its entire operational chain, from credit assessment and risk management to enhancing user experience. Concurrently, this capital scale enables the company to meet capital safety requirements under the Law on Credit Institutions 2024, expanding room for medium and long-term investments, particularly in the technology sector.
TNEX representatives state that with a stronger capital base, the company prioritizes investment in technology infrastructure and risk management systems, considering these core elements for sustainable development in digital finance.
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The TNEX application integrates many features to support customers. *Photo: TNEX* |
Thanks to these strengthened resources, TNEX's total assets increased by 84% by the end of 2025 compared to the same period, reflecting efficient capital utilization and the ability to implement technology-driven strategies. Furthermore, the credit scale from digital financial products increased more than three times, while revenue from key product groups rose seven times compared to the previous year.
Notably, despite rapid growth in outstanding debt, early debt indicators decreased by about 30%. According to TNEX, this result stems from the application of big data in behavioral analysis, which enables more accurate customer segmentation and risk control throughout the loan lifecycle.
A highlight of TNEX's technology strategy is the automation of the entire credit assessment process. By applying AI and big data, loan approval time is reduced to approximately 5 seconds, allowing customers to complete procedures entirely online and immediately know their disbursement limit, instead of undergoing multiple manual assessment steps.
Beyond improving processing speed, technology also enhances operational efficiency. In 2025, TNEX's cost-to-income ratio (CIR) decreased by 20% compared to the previous year. This demonstrates the effectiveness of its branchless digital finance model and translates technological advantages into direct benefits for over 2,6 million customers.
In parallel with internal investment, TNEX continues to expand its ecosystem through partnerships with technology and payment partners such as: ZaloPay, Fiza, MISA, KiotViet, and recently Viettel Post. Integrating financial services into familiar platforms helps the company broaden its reach, serving both individual customers and business owners.
Following its development orientation, the company will continue to focus on technology while balancing growth, risk control, and compliance with governance standards. In the next three to five years, with a strengthened capital base and consistent technology strategy, TNEX aims to expand operations cautiously, contributing to transparent and efficient digital finance in Vietnam.
(Source: TNEX)
