PayLink — Digital Finance Ecosystem (Mobile Money)

• Limited financial access: Many people in remote areas have no bank account or struggle to access traditional financial services.
• Cash dependency: Cash transactions are inconvenient, time-consuming, and less secure.
• Technology constraints: Some areas lack internet connectivity or smart devices.
• Hard to grow users: Acquiring high-quality new users was challenging, especially on iOS.

Provide a digital finance platform that does not depend on a bank account or internet, usable by anyone anywhere — enabling cashless transactions and financial inclusion.

• Comprehensive digital finance ecosystem: A bank-account-free financial solution that's easy to use on any device.
• Internet-free transactions: USSD code (*888#) enables transactions in areas without network coverage.
• Stronger advertising & targeting: Partnered with an ad-optimization vendor using machine learning to target high-quality iOS users, optimizing campaigns with a CPA model.
• Broad integration: Supports payment via e-wallet and mobile balance, covering an agent network across all 63 provinces.

• Money transfer: Fast transfers between PayLink users.
• Deposit/withdraw: Top up the wallet; withdraw to an account or at agent points.
• Online payment: Shopping and bill payment (electricity, water, internet, etc.).
• Multi-platform: Works on web, mobile apps (iOS/Android), and USSD (*888#).
• Multi-source funds: Use mobile balance, e-wallet, or cash.
• No internet needed: Transact via USSD, suitable for low-connectivity areas.

• User growth: A 33% increase in new sign-ups from the ML-optimized ad campaign, especially on iOS.
• Financial inclusion: Brought financial services to people in remote areas, reducing cash dependency.
• Convenience & flexibility: Transact anytime, anywhere, across multiple devices — even without internet.
• Digital economy: Boosted cashless transactions, supporting Vietnam's financial-inclusion goals.