At the SURF 2025 event, Mr. Le Hoa Nha - General Director of HVA Investment Joint Stock Company (HVA Group) delivered an important speech with the topic: "Digital platform promotes financial technology". The speech not only raised current issues in the digital transformation trend, but also introduced advanced technology solutions that have been practically deployed by HVA - contributing to shaping the digital financial ecosystem for Vietnam in the new era.
Digital Transformation – Pillar of National Strategy
Digital transformation is currently identified as a national strategic breakthrough, with consecutive high-level policies being issued:
- Decision 749/QD-TTg: Sets the goal of Vietnam being in the top 50 countries in Digital Government and Digital Economy by 2025.
- Resolution 57-NQ/TW: Affirming digital transformation as the driving force for national development.
- Digital Technology Industry Law: Building a legal framework for digital data, digital production and digital assets.
- Resolution 222/2025/QH15: Towards the formation of an International Financial Center in Da Nang.
However, in parallel with the policy framework, practical needs from localities and businesses are still waiting for effective, easy-to-deploy and scalable digital platforms.
HVA Group – Financial technology from practice
HVA Group does not stop at theoretical ideas. We have been operating financial technology platforms serving millions of domestic and international users. Some typical products:
- Digital Asset Exchange: Tokenized Real Estate and Stocks, with over 4 million international users.
- Blockchain application for jewelry industry: Traceability, anti-counterfeiting, more than 500,000 users.
- Digital finance for SMEs/startups: Providing eKYC solutions, payments, capital calling, cash flow management.
- DeFi & Web3 Solution: Connecting fiat–crypto, lending, staking, supporting digital assets.
- Multi-layer investment platform: Including stocks, gold, funds... with total assets of more than 220 billion VND.
- Digital Data Center & AI: ESG analysis, credit scoring, financial decision support.
Comprehensive, co-created solutions from HVA Group
To accompany localities in the process of digital transformation and building a data economy, HVA Group proposes a flexible implementation model consisting of 5 key components. These components can be implemented independently, coordinated in part or integrated comprehensively, depending on the conditions and development priorities of each locality.
1. Centralized digital asset exchange
This is a platform that enables the digitization and transparency of transactions of assets such as public real estate, state-owned enterprise shares, data assets, ESG indexes or intellectual property assets. Through this platform, localities can improve the efficiency of asset management, increase liquidity and facilitate the connection of people and businesses with public and transparent investment opportunities.
2. Digital finance for SMEs and startups
This component helps SMEs access modern financial tools such as e-wallets, eKYC, cash flow management and crowdfunding. Local businesses can easily deploy innovative business models, access capital effectively and gradually integrate into the domestic and international digital economic value chain.
3. Digital supply chain on blockchain platform
In areas with strengths in agriculture or industry, digitizing the supply chain will help increase product value and competitiveness. Blockchain solutions enable transparent traceability, deploy smart contracts, limit risks and manage logistics effectively. It is also a platform for integrating price insurance and guaranteed payment services.
4. Digital data infrastructure & electronic identification
HVA Group proposes to develop a local integrated data center that serves both government and businesses. This infrastructure includes components such as eID, digital signature, ESG profile, credit system and business authentication. This will help localities modernize their governance, while businesses will be supported to access capital, bid openly and affirm their market reputation.
5. Digital business platform
This is a component that supports local businesses to access new markets through e-commerce and digital tools. The platform helps digitize traditional markets, develop multi-platform sales channels, and promote green transformation in the digital transformation process. Through this, businesses can establish a position in the digital economy, even if they start from a small scale.
Accompanying the locality in the spirit of creation
HVA is not simply a technology provider but a strategic partner. We work with departments and agencies to flexibly test each component through a sandbox mechanism, thereby optimizing the implementation roadmap and comprehensive transfer. The solutions have been tested in practice, ensuring safety, efficiency and scalability.
If the locality has a need to promote digital transformation, modernize governance and build an economic data platform – HVA Group is ready to accompany from the first step.
Conclude
With a long-term vision and practical technological capabilities, HVA Group is committed to accompanying Vietnamese localities and enterprises on the journey of digital transformation, digital financial development and international integration. Not only technology, HVA brings a sustainable - flexible - effective ecosystem to contribute to promoting the local economy, realizing the aspiration of national development in the digital age.
See details of the discussion at: HVA Group Presentation Slides (SURF 2025)
