Cake by VPBank - Digital Bank
Bankinghà Nội, Vietnam201-500 Employees
About Cake Digital Bank Cake Digital Bank is an AI-first digital bank built in Vietnam - and built to global standards. Designed from the ground up as a fully digital platform, 100% of transactions on Cake are conducted online, with approvals completed within minutes. Artificial Intelligence and Generative AI are embedded across the entire banking value chain; from product design, customer acquisition and underwriting to fraud detection, risk governance and end-to-end operations. At Cake, AI is not an enhancement layer; it is the operating backbone that enables speed, precision and disciplined growth. In just over three and a half years since its establishment, Cake reached EBITDA profitability, becoming the first only-digital bank in Vietnam to do so, a milestone that reflects both the speed of its execution and the strength of its AI-driven operating model. Serving more than 6,5 million customers, the bank continues to scale with strong asset quality management, disciplined credit governance and a robust data-driven risk framework. Built in one of Southeast Asia’s most dynamic digital economies, Cake represents a Vietnamese digital bank model that combines deep local market understanding with international operating benchmarks. Beyond growth, our ambition is to demonstrate how a Vietnam-born fintech institution can compete and lead on a global stage. Recognized among the World’s Top 100 Digital Banks (TAB Insights) and named Best Digital Bank in Vietnam by leading international institutions, Cake continues its journey toward becoming a leading GenAI bank in the region, committed to efficiency, transparency and long-term value creation. Follow Cake Digital Bank for insights on AI in banking, digital transformation, product innovation and how Vietnam’s digital finance ecosystem is shaping the future of financial service
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