About
MoMo is a Vietnamese e-wallet and super app operated by M_Service JSC (Online Mobile Services JSC), founded in 2010 and licensed by the State Bank of Vietnam as an e-wallet provider in October 2015 (licence 16/GP-NHNN). Users fund the wallet from linked accounts at dozens of Vietnamese banks or Visa, Mastercard and JCB cards, then pay by scanning QR codes in stores, at online checkout, or for bills, top-ups and tickets; the app also distributes loans, insurance and investments from partners. A Q1 2023 Decision Lab survey put MoMo at 68% penetration among e-wallet users, and it reported over 30 million users in December 2025.
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