MoMo (M_Service) Tech Stack

AI-powered fintech platform serving 31M+ Vietnamese users with digital payments and lending

Financial Services Ho Chi Minh City, Ho Chi Minh 1,001–5,000 employees Founded 2007 Self-Owned

MoMo operates a financial super-app for Vietnam with 31 million users, 50,000 domestic partners, and 70 bank integrations. The tech stack reveals aggressive AI infrastructure buildout: Python + PyTorch + LangChain + LangGraph for LLM orchestration, paired with Ragas and Langfuse for RAG evaluation and monitoring. Active projects around multi-agent orchestration, robust RAG pipelines, and autonomous AI agents, combined with pain points around scaling agents and handling vast knowledge bases, signal a shift from transactional fintech toward AI-driven financial advisory. Engineering and product hiring dominate the open requisitions, reflecting heavy investment in platform modernization alongside super-app expansion.

Tech Stack 109 technologies

Core StackPython PyTorch LangChain Java Oracle RabbitMQ Kafka Redis Cassandra Docker Kubernetes Swift Kotlin React Native Flutter SAP Adobe Illustrator Adobe Photoshop Adobe InDesign Figma Jira Trello LangGraph Ragas Langfuse Bigtable Objective-C Google Analytics 4 GPT Claude+78 more

AdoptingProgressive Web App

What MoMo (M_Service) Is Building

◆Challenges

Low conversion rates
Ensuring compliance with legal regulations
Low employee engagement
Performance gaps
Expanding marketing team
Digitizing sme market
Partner integration challenges
Scaling autonomous ai agents
Handling vast knowledge bases
Ensuring high availability and low latency

▲Active Projects

Internal communication framework
Design multi-agent orchestration layers
Ai tool performance optimization
Sales academy
Super app architecture
Learning loops
Train-the-trainer
New p2p product launch
Motion storytelling innovation
Engineer robust rag pipelines

Hiring Activity

Accelerating55 roles · 35 in 30d

Department

Engineering

Product

Marketing

Data

Finance

Sales

Design

Seniority

Senior

Mid

Lead

Manager

Junior

Notable leadership hires: Product Lead

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About MoMo (M_Service)

MoMo is a Vietnamese fintech company founded in 2007, operating a digital payments and financial services platform with over 31 million users. The platform enables mobile payments, lending, investment, and merchant services across a network of 140,000 payment acceptance points and partnerships with 70 banks. The company employs nearly 2,000 people and serves as the primary digital financial infrastructure for millions of Vietnamese consumers and small merchants. Recent product roadmap emphasizes AI-powered personalization, a new peer-to-peer lending product, and integration of multi-agent systems into core financial workflows.

HeadquartersHo Chi Minh City, Ho Chi Minh

Company Size1,001–5,000 employees

Founded2007

Hiring MarketsVietnam

Frequently Asked Questions

What AI and LLM tools does MoMo use?

MoMo's stack includes PyTorch, LangChain, LangGraph, Ragas, Langfuse, GPT, and Claude. These tools support LLM orchestration, RAG pipeline construction, and AI performance evaluation across the platform.

How many users does MoMo serve?

MoMo serves over 31 million users in Vietnam, with 50,000 domestic merchant partners and 140,000 payment acceptance points nationwide as of the latest data.