Shinhan Bank Vietnam and Fineksi Partner to Accelerate AI Transformation in Credit Operations

Ho Chi Minh City, September 21, 2026 – Shinhan Bank Vietnam Limited ("Shinhan Bank") has officially entered into a cooperation agreement with Fineksi Company Limited ("Fineksi"), marking a new milestone in the two parties' partnership to advance technology adoption and innovation in banking operations.

Under the cooperation framework, Shinhan Bank will contribute its banking expertise and practical experience in corporate lending, while defining business requirements and operational needs and participating in the evaluation and refinement of the solution to ensure alignment with the Bank's processes and operational standards. Leveraging its expertise in artificial intelligence (AI) technology, Fineksi will be responsible for developing, deploying, and optimizing the AI-powered solution to address Shinhan Bank's practical business requirements.

Combining Shinhan Bank's Expertise with Fineksi's AI

The cooperation focuses on an AI-powered project for the analysis and assessment of corporate credit, designed to support credit officers in collecting, analyzing, and leveraging data throughout the customer assessment process. By combining Shinhan Bank's banking expertise and in-depth experience in credit operations with Fineksi's AI technology capabilities, the two parties aim to develop a solution tailored to the practical needs of banking operations, contributing to greater operational efficiency, streamlined processes, and enhanced support for credit decision-making.

Where It All Started: The Global Shinhan Innoboost 2025 Program

Fineksi previously participated in the Global Shinhan Innoboost 2025 program organized by Shinhan Future's Lab Vietnam. From the Proof of Concept (PoC) stage, the two parties have worked closely to assess the applicability of the technology in a real-world banking environment and progressively refine the solution for practical deployment. This project goes beyond introducing new technology into existing processes; it also aims to transform how data is processed and leveraged in credit operations, providing employees with more powerful tools to improve work efficiency and enabling them to focus more on value-adding activities that deliver meaningful benefits to customers.

What Leaders Say

Mr. You Young Wan, Deputy General Director of Shinhan Bank Vietnam, shared: "Our partnership with Fineksi represents a concrete step forward in Shinhan Bank's digital transformation and innovation journey in Vietnam. We expect the application of AI to corporate credit analysis and assessment to provide our business teams with more effective tools, while contributing to streamlined processes, enhanced operational efficiency, and improved customer service. By combining Shinhan Bank's banking expertise with Fineksi's technological capabilities, we aim to bring practical and relevant technology solutions from the testing stage into real-world application, creating tangible and sustainable value."

Mr. Wildiyanto Yawin, Founder and Director of Fineksi Company Limited, shared: "AI is opening up an entirely new approach to the financial and banking industry, but technology can only create real value when it is applied to real-world challenges. For Fineksi, partnering with Shinhan Bank Vietnam provides an opportunity to bring our AI capabilities closer to the realities of banking, while jointly developing solutions that can deliver long-term impact. We believe that when technology and business expertise are connected in the right way, AI can not only help banks work more efficiently, but also unlock entirely new ways of serving customers."

What Comes Next

Following the signing, the project will commence implementation and is expected to officially go live in 2026. Once deployed in a real-world operating environment, the system is expected to deliver significant improvements in the speed, efficiency, and quality of the credit analysis and assessment process, while laying the foundation for expanding AI applications across other banking operations.

This cooperation marks an important milestone in Shinhan Bank's AI Transformation journey, introducing a new approach to credit operations, contributing to enhanced capabilities in serving corporate customers, and strengthening the Bank's competitiveness in the digital era.

About Shinhan Bank Vietnam

Shinhan Bank Vietnam Limited ("Shinhan Bank") is a subsidiary of Shinhan Bank Korea, a member of Shinhan Financial Group (SFG). SFG is a leading financial group in South Korea, founded on the foundation of Shinhan Bank Korea, Shinhan Investment Corporation, and Shinhan Asset Management. SFG is listed on both the Korea Exchange (KRX) and the New York Stock Exchange (NYSE). SFG and Shinhan Bank Korea are among the top 10 Domestic Systemically Important Banks (D-SIBs) in the South Korean banking system.

In Vietnam, Shinhan Bank's history can be traced back to 1993 when Shinhan Bank first opened the representative office in Ho Chi Minh City. Over the history of 30 years, we have built a broad network expanding from the North, the Central and the South of Vietnam. Currently, Shinhan Bank has been offering a diversified portfolio of tailored corporate and consumer banking products and solutions. Simultaneously, the Bank has also strengthened digital transformation process by applying advanced technologies to products/services, in order to bring "More friendly, More secured and More creative" financial solutions to customers.

With the mission of "A better world through finance", Shinhan Bank has constantly contributed to Vietnam's socioeconomic development not only in terms of business operation, but also through meaningful social activities carrying profound humanity value. Shinhan Bank contributed more than VND 91 billion to social activities from 2007 up to now.

About Fineksi

Fineksi is a fintech startup focused on applying artificial intelligence (AI) through AI-powered Document Intelligence solutions to enhance analytical capabilities and support credit decision-making for financial institutions.

Rather than simply digitizing data or converting images into data, Fineksi's solution enables AI to understand the content of documents, extract structured data, and generate valuable analytical insights to support the credit assessment process.

By automating time-consuming document processing tasks within the credit assessment workflow, Fineksi enables credit and business teams to process a larger volume of applications in a shorter time, with greater consistency and stronger compliance with applicable policies and regulations. In particular, the Fineksi platform can be deployed directly on each institution's own infrastructure, allowing customer data to be stored and processed entirely within the bank's environment, thereby minimizing the risk of customer information exposure.