When AI Becomes the Banker: Inside Vietnam’s Cake Digital Bank

Oct 14, 2025

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What if AI ran your bank? 🤯

In this episode, Arjun sits down with Quang Nguyen, CEO of Cake Digital Bank, Vietnam’s AI-first bank that’s redefining what digital finance looks like.

With only 300 employees serving 6 million customers, Cake has become one of Southeast Asia’s most efficient and innovative financial institutions — proving that the future of banking is lean, intelligent, and fully automated.

🎙️ In this episode:
- How Cake uses AI to power 70% of its operations
- Building trust through technology in a young, digital-first market
- Why Vietnam is leading the next fintech wave
- How Cake achieved profitability in just 3 years
- What AI-first banking really means beyond the buzz

This isn’t a story about the future of banking - it’s a look at what’s already here.

👉 Watch now and see how AI is transforming finance from the inside out.

#CouchonomicsWithArjun #Fintech #DigitalBanking #AI #Vietnam #FinancialInnovation #FutureOfFinance

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
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Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
02:22 Vietnam's Digital Transformation
06:19 Building Trust in Digital Banking
09:06 The Playful Brand: Cake
11:46 Regulatory Landscape in Vietnam
19:20 AI Integration in Banking
23:26 Staffing and AI Integration
24:21 Embracing AI in Operations
25:22 Approach to Small Loans
28:21 Deposit Strategies and Competitive Pricing
29:42 Building Ecosystems and Partnerships
33:16 Challenges and Opportunities in Embedded Banking
36:34 Regulatory Compliance and AI
39:03 The Story Behind the Name 'Cake'
41:10 Future Plans and Regional Expansion
43:18 Conclusion and Final Thoughts

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