Architecting Cambodia's Digital Financial Future
We build compliant, interoperable FinTech solutions that empower enterprises to thrive on Cambodia's national digital infrastructure, fully aligned with the Government-as-a-Platform model.
About Us
We are strategic advisors and technical architects specializing in Cambodia's emerging digital financial infrastructure. Our expertise lies at the intersection of regulatory compliance, government technology platforms, and enterprise integration.
We understand Cambodia's unique position as one of the few countries implementing a comprehensive Government-as-a-Platform model. Our team has deep expertise in working with national digital infrastructure layers including CamDigiKey (digital identity), Bakong (instant payments), CamDX (data exchange), and the mandatory CamInvoice system.
Our approach combines technical implementation with strategic business advisory. We help enterprises navigate the complexities of integrating with government APIs, ensuring regulatory compliance, and building solutions that leverage Cambodia's unique digital infrastructure advantages.
What sets us apart is our understanding that Cambodia's digital transformation is not organic market evolution—it's deliberate architectural planning. We specialize in identifying and capitalizing on the strategic opportunities that emerge at the intersection of these mandatory government platforms.
From automated supply chain finance leveraging CamInvoice data, to embedded micro-insurance through KHQR payment flows, to compliance-as-a-service for SMEs—we help businesses build on Cambodia's digital rails rather than around them. Our mission is to empower enterprises to thrive in Cambodia's Government-as-a-Platform ecosystem.
Our Services
We offer a comprehensive suite of services designed to accelerate your FinTech journey in Cambodia.
Compliance as a Service
Navigate Cambodia's regulatory landscape with confidence.
Digital Payment Gateway Integration
Connect to national payment systems like KHQR and Bakong.
Core Banking System Modernization
Upgrade legacy systems for the digital age.
Lending & Credit Scoring Solutions
Automate and enhance your lending processes.
API Development & Management
Build secure and scalable APIs for your financial services.
Cybersecurity & Data Privacy
Protect your assets and customer data.
A Deliberate Design, Not Organic Growth
Cambodia is executing a profound structural transformation, shifting from fragmented digital services to a cohesive, state-orchestrated national infrastructure. This is not market evolution; it is architectural planning.
1. Government-as-a-Platform (GaaP)
The state builds and operates the core digital rails—Identity (CamDigiKey), Interoperability (CamDX), and Payments (Bakong)—as public utilities.
2. Leapfrogging Legacy Systems
By bypassing the constraints of mainframes and card networks, Cambodia has moved directly to a modern, microservices-based national stack.
3. Integrated by Mandate
The strategy connects these public utilities through a top-down legal framework, creating a closed-loop ecosystem where identity, payments, and compliance are inextricably linked.
The Next Frontier: Strategic Investment Opportunities
The integrated national stack has created unique opportunities at the intersection of its layers.
Automated Supply Chain Finance (SCF)
The Gap:
SMEs need capital, but banks lack trusted data on their performance.
The Solution:
Leverage the mandatory, GDT-verified data from Layer 4 (CamInvoice) and customs data from Layer 6 (National Single Window). Build middleware to offer banks automated, low-risk invoice financing and trade finance products.
'Adapter Services' for SME Tax Compliance
The Gap:
The CamInvoice mandate will be technically challenging for many of Cambodia's 43,970+ SMEs.
The Solution:
Develop API-first accounting tools that act as a simple interface to the GDT's systems. These services bundle automated CamInvoice submission with basic bookkeeping, selling 'compliance-as-a-service'.
Embedded Micro-Insurance
The Gap:
Low insurance penetration, with purchasing being an analogue process.
The Solution:
Use Layer 3 (KHQR payments) as a distribution channel for insurance products. Embed micro-insurance offers directly into payment flows (e.g., add travel insurance to a bus ticket purchase), using Layer 1 (CamDigiKey) for seamless identity verification.
Why Choose Us
We are more than consultants; we are your strategic partners in navigating the complexities of Cambodia's FinTech ecosystem.
Deep Local Expertise
Our team possesses unparalleled understanding of the local regulatory, cultural, and business landscape.
Future-Proof Architecture
We design scalable and interoperable systems built to last and adapt to future technological advancements.
Proven Track Record
We have a history of successful project delivery for leading financial institutions and enterprises in Cambodia.
Use Cases
Discover how we've helped businesses like yours to innovate and grow.
B2B Payment Automation for a Major Distributor
Challenge: Manual invoicing and reconciliation processes.
Solution: Implemented an automated payment gateway integrated with their ERP.
Impact: Reduced processing time by 80% and improved cash flow.
Automated Tax Compliance for an Enterprise
Challenge: Complex tax reporting and risk of non-compliance.
Solution: Developed a middleware connecting their systems to the General Department of Taxation (GDT) API.
Impact: Achieved 100% automated and accurate tax filing.
SME Lending Acceleration for an MFI
Challenge: Slow manual credit assessment for SME loans.
Solution: Deployed a digital lending platform with an automated credit scoring engine.
Impact: Loan approval time reduced from weeks to days, expanding market reach.
Build Your Future on Cambodia's Digital Infrastructure
កសាងអនាគតរបស់អ្នកនៅលើហេដ្ឋារចនាសម្ព័ន្ធឌីជីថលរបស់កម្ពុជា
Messaging
Office Location
វត្តថ្មី, Venus street,
near Wat thmey,
Krong Siem Reap, 17000
Postal Address
PO Box 93101
54 Pokambor Avenue
Siem Reap Post Office
Krong Cambodia