VCR’s Vision & Strategic Development Plan (2025 – 2035)

Inclusive Finance – Technology-Driven – People-Centered

1. Vision

VCR aims to become Vietnam’s leading fintech platform in unsecured lending, cash flow management, and personal financial support — contributing to the creation of a financially inclusive society where everyone has the opportunity to access capital, control their finances, and grow sustainably.

🎯 VCR’s vision is not merely to provide financial services, but to build a digital financial ecosystem that serves all social classes, all regions, and all circumstances.

2. Mission

• Provide transparent, flexible, and accessible loan solutions for individuals and small businesses

• Leverage technology to personalize financial services and optimize user experience

• Accompany communities through support programs in remote and disadvantaged areas

• Help reduce the spread of predatory lending and financial illiteracy in society

3. Core Values

4. Development Roadmap: 2025 – 2030

🔹 Phase 2025 – 2027: Nationwide Expansion & Digital Transformation

• Extend VCR’s unsecured loan platform to all 63 provinces across Vietnam

• Integrate AI into the entire loan approval, cash flow tracking, and customer support process

• Expand the VCR99 financial agency network, especially in rural and remote areas

• Develop a multi-service personal finance app combining lending, saving, and micro-investment

🔹 Phase 2028 – 2030: Regional Expansion & Product Diversification

• Build B2B and B2G cooperation models (business-to-business/government) to promote fair finance

• Position VCR as Vietnam’s #1 microfinance technology platform

• Begin regional expansion to Laos, Cambodia, and Myanmar, where access to personal finance is still limited

• Introduce new products: microinsurance, savings-investment plans, and financial education services

5. Long-Term Vision: 2030 – 2035

• Become a full-spectrum fintech group offering comprehensive services: lending – saving – insurance – investment – financial education

• Create an open API platform for other financial institutions to integrate with VCR

• Promote smart personal finance access for every internet-connected individual — ensuring no one is left behind in managing their financial future

6. Conclusion: What Will VCR Look Like in the Future?

• A place where workers can access loans without bureaucratic barriers

• A platform where rural entrepreneurs can manage cash flow like a corporation

• A trusted tool that empowers people to understand – control – and grow their personal finances sustainably

💬 VCR – From a loan app to a lifelong financial partner for millions of Vietnamese over the next decade.