Shinhan Future's Lab

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Global Shinhan InnoBoost 2026

Open Innovation program: 11-12 week PoC, 5-8 startups, VND 200M reward each.

Application period: April 1 – May 3, 2026

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Terms & Conditions

We Are Looking For​

Top 5-8 Startups with the following criterias:​

Tech enable Industry

Fintech & Beyond,
AI & Data Intelligence, Tech-Driven Innovation (SalesTech, MarTech, E-commerce Tech, etc.)

Early Stage & matured Startup

Startups with breakthrough MVP, strong traction, and ready to scale business models.

Collaboration Initiatives

Proposing technical solutions or partnership models with Shinhan companies to unlock new market values.

We welcome startups from various industries, offer diverse collaboration opportunities to develop and grow business together with Shinhan Financial Group in Vietnam.

The collaboration areas listed below are for reference and are not limited to these topics.

Shinhan Bank

Shinhan Bank Vietnam has been offering a diversified portfolio of tailored corporate and individual banking products. With the base of millions high-end customers, we openly welcome collaboration initiatives across following domains

(Click on ⊞ for more details)

COLLABORATION AREA

Embed an AI assistant in the SOL app that analyzes each customer’s spending, income, and transaction history — proactively suggesting savings plans, relevant products (credit card, loan, insurance), and answering financial questions in natural language.

Automate personalized customer communication across channels (push notification, SMS, in-app message, email) based on real-time behavior triggers — sending the right message at the right moment to drive product usage, cross-sell, and retention.

Build a smart loyalty system on SOL using dynamic QR and AI — rewarding customers for everyday transactions and delivering location-based, behavior-driven offers from a merchant network, without needing a separate app.

Deploy an AI voice bot that automatically handles debt reminders and outbound sales calls — capable of natural conversation, capturing customer intent, and routing complex cases to human agents.

Allow teams to query business data via conversational AI instead of waiting for manual MIS reports — with a human-in-the-loop review workflow to ensure accuracy and compliance.

Integrate Shinhan’s lending directly into e-commerce checkout flows — letting customers split purchases into installments in real time with AI-powered instant approval, no paperwork required.

Turn merchants’ smartphones into POS terminals using NFC/SoftPOS technology — eliminating hardware costs and helping Shinhan expand payment acceptance among micro and household businesses.

Verify caller identity in real time during loan underwriting calls and hotline interactions using voice biometric AI — detecting impersonation and fraud before it reaches a human agent.

Connect Shinhan Bank with POS systems and payment platforms to collect real-time merchant sales data, using AI to assess business performance and generate pre-approved credit limits for SMEs — enabling faster, data-driven lending decisions without traditional financial statements.

Apply AI on historical branch traffic, transaction types, and real-time check-in data (from SOL app & queue systems) to predict waiting times and service demand — helping customers choose optimal visit times and enabling branches to optimize staffing.

Shinhan Finance

With the widespread business network, Shinhan Finance Vietnam has capability to serve nationawide customers with flexible financial solutions. We openly welcome collaboration initiatives across following domains

(Click on ⊞ for more details)

COLLABORATION AREA

Deploy IDP solution to automate extraction, classification & validation of loan/credit card documents, integrate auto-flow to underwriting. (PoC stage)

Implement AI-based falsified document detection (to detect forged/altered documents in real-time, automate verification & decision routing. (PoC stage)

Enhance Video Call verification with liveness detection, biometric matching and deupe 1:1/1:n matching (PoC stage)

Enabling machine learning from customer behavior (CRM datta, mobile app, web, CS), conducting predictive analytics to provide insights and future needs of customers, recommends the best next action of up/cross-selling and retention.

Explore AI-driven credit scoring leveraging alternative data and Open Banking ecosystem in alignment with regulatory sandbox frameworks. Given regulatory constraints on direct data pulling, collaboration with approved fintech partners will be considered to accelerate implementation, improve underwriting accuracy, simplify documentation and enhance fraud prevention.

Collaboration model:
– Risk sharing: BNPL Provider buybacks NPL (buyback rate is 100% or TBD)
– Revenue sharing: revenue types and % shared TBD
– Cost sharing: cost types and % shared TBD
– Operations:
+ BNPL Provider: Product Development, Merchant Acquisition, Marketing and Promotion, Credit Assessment, Collection Activity, Repayment Reconciliation, etc.
+ SVFC: Disbursement, Loan Booking
Market benchmarking: refer to models of Fundiin x CIMB, Tala x CIMB.

Focusing on IT security solutions for threat intelligence, ICT security risk detection and prevention

Forecast what a new customer is likely to interest next by predicting on their consumption behavior on other data sources (telco, social media, e-wallet, e-commerce, etc.) and by comparing their early signals in their reactions towards SVFC offers to patterns learned from past customers.

Instead of doing MIS report, management team can do chatting with the system to have the numbers the management team wants to see

Enabling human voice (Vietnamese) to be transcripted into text and auto fill into designated fields which flexibly integrates to any system/mobile app to save time of key-in and enhance the accurate of call/conversation results.

Partner with fintech to verify employee salary real-time from corporate HRM/Payroll systems, enabling paperless salary loan disbursement and Earned Wage Access (EWA) without traditional income documentation. (Scouting stage)

AI-powered micro loan product (5–50M VND) for online sellers, freelancers & gig workers, using alternative credit scoring based on e-commerce and e-wallet cash flow data. Repayment structured as % of revenue instead of fixed installment.

Shinhan Securities

Shinhan Securities Vietnam provide various market-leading medium risk and medium return products that boast both stability and profitability. We openly welcome collaboration initiatives across following domains

(Click on ⊞ for more details)

COLLABORATION AREA

Collaborate with startups capable of rapidly developing service prototypes using LLMs and AI coding tools to quickly test (POC) new ideas across investment services, data analytics, and customer interfaces, and to identify new financial service opportunities.

Pilot AI-driven investment experience services integrating entertainment elements such as games, quizzes, fortune features, and interactive content to increase MTS user engagement and app retention time.

Utilize AI to automatically generate investment news summaries, research interpretations, and investment idea content, and deliver personalized investment content tailored to customer preferences.

Identify startups that provide an integrated AI solution for the accounting department, including automated journal entries, AI-powered invoice and document processing (OCR), account reconciliation, anomaly detection, and support for month-end closing and financial reporting. The objective is to significantly reduce manual workload, shorten the closing cycle, and enhance accuracy and internal control.

– AI-driven regulatory analytics, AML/KYC automation, data privacy solutions
– Reduction of regulatory compliance costs, strengthening internal controls
– Automated regulatory monitoring and suspicious transaction detection

Next-generation financial infrastructure
Digital asset payments, tokenized securities (STO)

Shinhan Life

Shinhan Life Insurance Vietnam operates in the fields of life insurance, health insurance, and financial investment. We openly welcome collaboration initiatives across following domains

(Click on ⊞ for more details)

COLLABORATION AREA

Data Analytics especially standardized DW/ODS, Sisense dashboards, real-time analytics for decision support

Review the voice recording scripts required for UL products, improve AI processing time and accuracy

Develop an AI-driven system to detect fraudulent insurance claims by analyzing claim data, customer behavior, medical records, and historical patterns — flagging suspicious cases for further investigation before payout.

Leverage AI to build an integrated digital health ecosystem for customers — combining health tracking, personalized wellness recommendations, telemedicine, and insurance services into a unified platform (embedded within app or partner ecosystem).

What the program offers

PoC proof

Validate your solution through real-world PoC, test product–market fit with partners, and prove feasibility to investors and corporates.

200M Cash Funding

Up to VND 200M funding per startup, awarded for successful PoC outcomes to support product development and pilot scaling.

Demo Day & Showcase

Includes Meet-up Day, networking events, pitch sessions, and Demo Day, creating opportunities for exposure.

Expert Mentoring

Dedicated 1:1 consultation with industry experts, plus ongoing mentorship and support throughout the PoC journey.

Business Matching

Connect with Shinhan, ecosystem partners and relevant corporate stakeholders to explore collaboration opportunities.

Ecosystem Networking

Access the SFL-V ecosystem, join networking with startups, mentors, and investors, and connect across the innovation community.

Market Expansion

Gain promotion opportunities in Vietnam and international markets, with support to explore new markets and increase regional visibility.​

Co-hosting Events

Co-host events with Shinhan Future’s Lab, gain branding visibility, sponsorship and access its startup and corporate ecosystem.

Program Journey​ & Key Dates

Our Partners

— Endorsed partner
— Organizing partner
— Strategic partner

What the program offers

Cash Grant

200 Million VND awarded to top-selected Startups

On-Demand Training

Tailored learning from industry experts

Direct Collaboration

Practical PoC development with Shinhan companies

Innovation Workspace

Access to conferece and collaboration space

Investment Linkage

Tap into a vibrant network of investors and partners

Global Market Expansion

Have chance to scale into new markets under Shinhan global ecosystem

What do Startups say about us?

Our alumni startups had incredible experiences with us — hear what they had to say about last year’s Global Shinhan Innoboost!

"Participating in and being recognized at Shinhan Innoboost 2024 was a true honor and a great source of motivation for our team to keep growing and innovating.”
Minh LeCOO | Filum.ai
Minh Le
"Shinhan Innoboost 2024 was a highly practical program that gave us the opportunity to pilot our product and move closer to real collaboration with a major corporation."
Michael DoCEO | 1Long
Michael Do
"What set Shinhan apart was the genuine collaboration. Their team didn’t just hand over a brief — they walked with us like true partners, committed to building something real together."
Hung PhanCEO | Papaya Insurtech
Hung Phan
"We joined this program to better understand the local market and gather feedback from a range of customer. Working with such a dynamic and dedicated team has been a truly meaningful experience."
Woohyeon KimCEO | FLES
Woohyeon Kim

Recap Demo Day 2025

Frequently Asked Questions

Shinhan tìm kiếm các startup/ doanh nghiệp đã có sản phẩm ở giai đoạn thương mại hóa và tăng trưởng, có traction rõ ràng về khách hàng và doanh thu để chứng minh tính thực tiễn và khả năng triển khai của giải pháp.

Chương trình mở cho nhiều loại hình doanh nghiệp — từ startup, SMEs đến các công ty vừa và lớn — với điều kiện founding team hoặc người ra quyết định chính tham gia trực tiếp vào quá trình triển khai PoC.

Có. Tuy nhiên, cần có giấy phép kinh doanh tại Việt Nam và đội ngũ tham gia trực tiếp PoC tại Việt Nam trong 16 tuần, trong đó ít nhất 1 người thuộc founding team/ BOD.

Có. Mọi thông tin được bảo vệ theo cam kết bảo mật của Shinhan Future’s Lab.

Shinhan tìm kiếm các startup/ doanh nghiệp đã có sản phẩm ở giai đoạn thương mại hóa và tăng trưởng, có traction rõ ràng về khách hàng và doanh thu để chứng minh tính thực tiễn và khả năng triển khai của giải pháp.

Không bắt buộc cả đội, nhưng cần ít nhất 1 thành viên thuộc founding team/ BOD tham gia xuyên suốt. Đội ngũ phải có năng lực phát triển, điều chỉnh giải pháp và đưa ra quyết định nhanh chóng, quyết định cuối cùng.

Founder, CEO, Director hoặc các quản lý cấp cao hiểu rõ doanh nghiệp, đề bài của Shinhan, và có khả năng trao đổi trong quá trình Nộp đơn và Phỏng vấn.

Quy trình đánh giá hồ sơ diễn ra như thế nào?
Cấp 1: Đánh giá sơ bộ bởi Shinhan Future’s Lab
+ Tính pháp lý và uy tín doanh nghiệp
+ Độ phù hợp và tiềm năng của giải pháp
+ Đội ngũ tham gia chương trình

Cấp 2: Đánh giá bởi đơn vị Shinhan được đề xuất hợp tác
+ Liên quan và khả năng triển khai của giải pháp
+ Mức độ khả thi và giá trị đề xuất hợp tác
+ Cam kết và năng lực đội ngũ

Không. Chúng tôi không đánh giá hồ sơ dựa trên vòng gọi vốn, mà tập trung vào giải pháp và đề xuất hợp tác thực chất với Shinhan.

  • 200 triệu VND tiền mặt cho các PoC được Shinhan phê duyệt
  • Kết nối mentor, coach, industry expert qua các buổi đào tạo chuyên đề
  • Tiếp cận trực tiếp các công ty thành viên và phòng ban Shinhan để thảo luận đề xuất
  • Hỗ trợ địa điểm tổ chức (phòng họp, hội trường) khi startup có nhu cầu tổ chức sự kiện, hội thảo

Có. Chương trình tạo điều kiện để startup và các công ty Shinhan tiếp tục thảo luận sau PoC, bao gồm khả năng mở rộng, đồng phát triển MVP hoặc triển khai thử nghiệm thực tế quy mô lớn, tùy vào kết quả PoC và mức độ quan tâm từ các bên liên quan.

Có. Nếu giải pháp và đề xuất của startup phù hợp và có tính khả thi cao, startup có thể tham gia POC với nhiều hơn 1 công ty thành viên Shinhan.

  • Hỗ trợ kết nối đối tác, Nhà đầu tư, chương trình khởi nghiệp tăng tốc & mở rộng thị trường trong hệ sinh thái quốc tế Shinhan.
  • Hỗ trợ địa điểm tổ chức (phòng họp, hội trường) khi startup có nhu cầu tổ chức sự kiện, hội thảo.

Tương tự như trong quá trình thương thảo và ký kết hợp tác với đối tác hoặc nhà cung cấp (vendor).

Hình thức hợp tác có thể linh hoạt dưới dạng nhà cung cấp vendor, đối tác cộng tác, đơn vị outsourcing, hoặc mô hình khác phù hợp — tùy theo đề xuất từ startup và kết quả triển khai PoC thực tế.

Ready to elevate your business?

Apply now and begin your transformation today.

Apply Now