Cake by VPBank - Digital Bank Tech Stack

AI-first digital bank in Vietnam with fully online transaction processing

Banking Hanoi 501–1,000 employees Founded 2021 Privately Held

Cake is a Vietnamese digital bank founded in 2021 that has embedded AI across lending, fraud detection, risk governance, and operations — not as an add-on but as the core operating model. The tech stack reveals heavy investment in data infrastructure (BigQuery, Apache Flink, Debezium, DataHub) and ML tooling (OpenAI API, Iceberg adoption), paired with hiring acceleration in data and engineering roles. Pain points around manual reconciliation, real-time fraud detection, and AML/CTF compliance suggest the bank is scaling its compliance and risk layers while maintaining the speed advantage that enabled EBITDA profitability in 3.5 years.

Tech Stack 57 technologies

Core StackPython Java Selenium GitHub Copilot Jenkins GitLab CI/CD GitHub Actions Docker AWS BigQuery Terraform Helm Apache Flink Kubernetes Microsoft Office Google Workspace SQL JavaScript/TypeScript Appium OpenAI API REST Assured Requests GCP NoSQL JMeter Locust Cucumber DataHub Dataflow Debezium+21 more

AdoptingIceberg

What Cake by VPBank - Digital Bank Is Building

◆Challenges

Manual reconciliation inefficiencies
Risk reporting accuracy
Assessing gaps against aml/ctf framework
Mitigating losses and operational risks
Real-time fraud detection
Fraud trend analysis
Compliance updates
Improving reconciliation efficiency
Reducing fraud risk
Scaling ai telesales channel

▲Active Projects

Card operations project
Partner integration project
Loan product projects
Document classification and fraud detection
Card spend activation programs
Card usage programs
Card specifications for consumer segments
Implementation of card scheme compliance requirements
Development of aml/ctf policies
Ticket sales promotion via cticket

Hiring Activity

Accelerating20 roles · 10 in 30d

Department

Data

Engineering

Marketing

Ops

Product

Security

Finance

Seniority

Senior

Mid

Lead

Manager

Staff

Notable leadership hires: Reconciliation Lead

Company intelligence

Find more companies like Cake by VPBank - Digital Bank by tech stack, pain points and active projects

Get started free

About Cake by VPBank - Digital Bank

Cake is a fully digital bank operating in Vietnam, processing 100% of transactions online with approvals within minutes. Since launch in 2021, the bank has grown to serve over 6.5 million customers and reached EBITDA profitability — a milestone claimed as the first among Vietnam-only digital banks. The product roadmap spans consumer lending, card operations, partner integrations, and spend activation programs. Operations are distributed across Vietnam and Philippines-based teams, with current hiring focused on data, engineering, and marketing to support scaled growth and compliance maturity.

HeadquartersHanoi

Company Size501–1,000 employees

Founded2021

Hiring MarketsVietnam, Philippines

Frequently Asked Questions

What tech stack does Cake Digital Bank use?

Core: Python, Java, JavaScript/TypeScript, SQL, NoSQL. Data: BigQuery, Apache Flink, Debezium, DataHub, Terraform. Testing: Selenium, Appium, JMeter, Locust, Cucumber. Cloud: AWS, GCP. CI/CD: Jenkins, GitLab CI/CD, GitHub Actions, Docker, Kubernetes. AI: OpenAI API, GitHub Copilot. Currently adopting Apache Iceberg.

What is Cake Digital Bank working on?

Active projects include card operations, partner integrations, loan products, document classification and fraud detection, card spend activation, AML/CTF compliance implementation, and card scheme compliance. Internal focus areas: reconciliation automation, real-time fraud detection, and scaling AI-driven telesales.