SoBanHang 押注越南店主用手机做生意；80万用户，融资380万美元

做的是什么生意

Finan, operating as SoBanHang in Vietnam, is a mobile business-management platform for micro and small merchants covering sales, orders, inventory, invoicing, cash flow and embedded financial services.

启动资金：Pre-Series A in May 2026 with participation from OSK-SBI Venture Partners; investor Trihill Capital put the amount at US$3.8 million.

起因

Bui Hai Nam, an SMU-trained technologist who had co-founded Vietnamese e-commerce and logistics firms OnPoint and Swift247, saw during Vietnam's 2021 lockdown that small merchants forced online were being handed tools designed for larger companies. He built SoBanHang as an all-in-one app a counter-based shopkeeper could adopt in an afternoon, managing sales, inventory, payments and customer transactions from a phone.

经过

The app became the operational backbone for Vietnam's micro-merchants: by May 2026 Finan said it served more than 800,000 active business users and had processed over US$5 billion in transactions. In the same month it raised a pre-Series A round with OSK-SBI Venture Partners, valued at US$3.8 million by investor Trihill Capital, to build Finan One, an AI-native business and finance operating system on top of SoBanHang's transaction data, and to expand embedded financial services and banking partnerships across Southeast Asia.

结果

Finan is live and scaling: SoBanHang remains the flagship for Vietnamese micro-businesses while Finan One adds AI automation and embedded finance, with regional expansion into other Southeast Asian markets planned.

可借鉴之处

先赢得商户的日常工作流，再谈资产负债表：SoBanHang 通过成为数百万笔小额交易的记录系统，赢得了嵌入式金融的权利。