Smartosc Team
“Can a Vietnam-headquartered digital transformation consultancy become the go-to systems integrator for banks and e-commerce platforms across APAC and beyond?”
Founded in 2006 in Hanoi, Vietnam, SmartOSC began as a digital transformation and e-commerce services company. Over time it expanded its capabilities to include a Digital Banking practice, partnering with fintech players and banks to deliver cloud-based, data-led solutions. The company has grown to over 1,000 employees and positions itself as a global digital transformation consultancy and systems integrator rather than an embedded finance product company. Its fintech vertical provides implementation and integration services — including BNPL integration (e.g., Openpay) and digital banking modernisation with partners like Backbase — rather than operating its own financial products.