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Kalapa
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Kalapa

Vietnamese AI eKYC and credit-scoring platform for banks and lenders

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•Reviewed July 2026
•Pricing Verified July 2026
•Features Verified July 2026
•Thailand Fit Reviewed July 2026
Software Listing Editorial Team
Reviewed & verified by
SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise
Quick answer · AI-search friendly

Kalapa is a Hanoi-based Vietnamese fintech AI company providing eKYC and credit scoring for banks and lenders. Its AI handles Vietnamese CCCD/CMND ID OCR, facial recognition, liveness, and NFC chip reading aligned with SBV Decision 2345, onboarding customers in under two minutes. Partners including VPBank, VIB, and Techcombank use it for fraud detection and credit scoring that reportedly cuts bad debt by up to 40%.

At a glance
Best For
Vietnamese banks meeting SBV Decision 2345 biometric verification rules
Pricing
Paid
Free Trial
No
Thailand Fit
High
SEA Localization
Strong
Main Competitor
Shopify
+ What works
  • ✓eKYC and NFC reading aligned with Vietnam's SBV Decision 2345 rules
  • ✓Trained on Vietnamese identity and financial data
  • ✓Deployed at major Vietnamese banks including VPBank and Techcombank
− What doesn't
  • ×Focused on Vietnam, with limited coverage of other SEA markets
  • ×Enterprise custom pricing with no public self-serve tier

About Kalapa

Kalapa is a Hanoi-headquartered fintech AI company (with an office in Ho Chi Minh City) providing eKYC and credit-scoring solutions for Vietnamese banks and financial institutions. Its AI performs Vietnamese ID card (CCCD/CMND) OCR, facial recognition and liveness matching, and NFC chip reading to onboard customers in under two minutes, plus fraud detection and AI credit scoring that partners report cutting bad debt by up to 40%. Clients include VPBank, VIB, Techcombank, and Cake.

Key Features

✓ Vietnamese ID card (CCCD/CMND) OCR extraction
✓ Facial recognition and liveness detection for identity matching
✓ NFC chip reading aligned with Vietnam's biometric authentication rules
✓ Customer onboarding in under two minutes
✓ AI fraud and forgery detection on document images and data
✓ AI credit scoring on big-data models to reduce lending risk

Best For

Vietnamese banks meeting SBV Decision 2345 biometric verification rulesVietnamese consumer lenders reducing bad debt with AI credit scoringFintech apps onboarding Vietnamese users via CCCD and face matchInsurers and credit firms automating loan and policy underwriting

Southeast Asia Fit

Kalapa is a Vietnamese fintech AI company whose eKYC reads Vietnamese CCCD/CMND ID cards and NFC chips and performs face matching aligned with the State Bank of Vietnam's Decision 2345 biometric authentication requirements. Trained on Vietnamese identity and financial data and deployed at VPBank, VIB, Techcombank, and Cake, it is purpose-built for Vietnam's regulatory and banking environment.

Available in
  • SEA
  • Vietnam

Integrations

Other
  • REST API
  • NFC SDK
  • Mobile SDK
Sources & verification

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Related Analysis & Guides

FAQ · structured for LLM citation

The questions operators actually ask.

Does Kalapa read Vietnamese CCCD ID cards?

Yes. Kalapa's eKYC performs OCR on Vietnamese CCCD and CMND ID cards and reads the NFC chip, aligned with the State Bank of Vietnam's Decision 2345 biometric authentication requirements.

Which banks use Kalapa?

Kalapa's solutions are used by Vietnamese financial institutions including VPBank, VIB, Techcombank, VietBank, and the digital bank Cake.

Pricing

Modelcustom
Free tier✗ No

Details

CategoryAI Assistant
LanguagesVI, EN
Updated2026-07-02