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Cake by VPBank - Digital Bank Tech Stack

AI-first digital bank operating entirely online across Vietnam

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

Cake is a fully digital bank built on AI as its operating backbone, not a feature layer. The tech stack — Python, TensorFlow, PyTorch, Kubeflow, Vertex AI, plus mobile-first infrastructure (Flutter, Kotlin Multiplatform, Firebase) — reflects a company that has baked machine learning into underwriting, fraud detection, and operations from inception. Current hiring skews heavily senior (10 of 11 open roles) concentrated in engineering and product, paired with active projects around eKYC, soft POS, fraud detection, and credit scoring models, suggesting both technical depth and a push toward ecosystem expansion beyond core banking.

Tech Stack 86 technologies

Core StackFlutter Firebase Python TensorFlow PyTorch MLflow Kubeflow Vertex AI Docker Kubernetes Apache Airflow scikit-learn AWS Go Istio gRPC PostgreSQL MongoDB React Android Dart Kotlin Multiplatform Bloc Riverpod OpenCV TensorFlow Serving GCP Azure CI/CD Backstage+51 more

What Cake by VPBank - Digital Bank Is Building

Challenges

  • Complex customer complaints
  • Optimizing product profitability
  • Driving acquisition efficiency
  • Managing product mix and distribution channels
  • Balancing security with frictionless experience
  • Optimizing model latency and accuracy
  • Detecting model drift in production
  • Product development challenges
  • Balancing growth with risk management
  • Scaling high-concurrency systems

Active Projects

  • Ekyc platform development
  • Soft pos sdk development
  • Ekyc integration
  • Tap to pay integration
  • Product development initiatives
  • Post-launch evaluation
  • Real-time fraud detection system
  • Scalable ai model pipelines
  • Financial services recommendation and credit scoring models
  • Scalable product platforms and api ecosystems

Hiring Activity

Accelerating10 roles · 10 in 30d

Department

Engineering
5
Product
2
Data
1
Finance
1
Marketing
1
Support
1

Seniority

Senior
10
Lead
1
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About Cake by VPBank - Digital Bank

Cake Digital Bank is a fully online bank operating in Vietnam, launched in 2021, serving over 6.5 million customers. The platform handles 100% of transactions digitally with approvals completed in minutes. The bank operates on an AI-native architecture that covers product design, customer acquisition, underwriting, fraud detection, and risk governance. In just over three and a half years, Cake achieved EBITDA profitability as the first digital-only bank in Vietnam to reach that milestone. The product roadmap includes eKYC platforms, soft POS integrations, tap-to-pay capabilities, and real-time fraud detection systems. Operations span Vietnam and the Philippines.

HeadquartersHanoi
Company Size501–1,000 employees
Founded2021
Hiring MarketsVietnam, Philippines

Frequently Asked Questions

What is Cake Digital Bank's tech stack?

Core: Android, Flutter, Kotlin Multiplatform, Firebase for mobile; Python, TensorFlow, PyTorch, scikit-learn for ML; GCP, AWS, Azure for cloud; Kubernetes, Docker, Istio for infrastructure; PostgreSQL, MongoDB for data; Apache Airflow, Kubeflow, Vertex AI, MLflow for ML pipelines.

What is Cake Digital Bank working on?

Active projects include eKYC platform development, soft POS SDK, tap-to-pay integration, real-time fraud detection, ML model pipelines, credit scoring, and financial services recommendation systems. Also focused on scalable API ecosystems and post-launch product evaluation.

How this profile is built

Cake by VPBank - Digital Bank's technology stack, projects, and hiring signals are inferred from public hiring and company data — career pages, public listings, and company web presence — then clustered and de-duplicated. Figures are estimates that refresh over time. Read our full methodology →

This is not an official vendor or customer list. It is a technology-adoption signal inferred from public data, intended for B2B research.