Does BancoOS replace our ERP?

No. BancoOS is a Finance Operating System layer that sits alongside your ERP. It captures invoices, runs matching and approvals, validates against the GDT, and syncs clean, approved transactions back to MISA, Business Central or your core system — which remains the book of record.

How does BancoOS handle Vietnamese compliance?

Every invoice is validated against Vietnam's Tax Department (Cục Thuế, formerly the General Department of Taxation or GDT) registry the moment it arrives — seller tax code, serial, issue date and totals. BancoOS is built around Circular 133/200 and Vietnam's e-invoicing regime, so compliance is a by-product of the workflow, not an afterthought.

Which teams use BancoOS?

Finance and AP teams in manufacturing, distribution, retail and hospitality — plus banks and insurers automating loan processing, KYC, AML monitoring and reconciliation. If your team touches invoices, approvals or payments, there's a use case in the hub for you.

How do we get started?

Pick the use case closest to your workflow and read the deep-dive, or book a demo and we'll map BancoOS to your current ERP, approval chains and compliance requirements in one session.

About BancoOS

Finance shouldn’t run on spreadsheets, inboxes and manual follow-ups.

BancoOS was founded to build a better operating layer for finance teams in Vietnam, starting with the workflows where complexity, compliance and manual work collide.

We believe the next generation of finance software will not be another ERP or another AI tool layered on top of legacy workflows. It will be an intelligent operating system that understands how money, documents, approvals, suppliers and compliance move through a business.

Meet the founders Request a demo

Why we exist

Finance teams have plenty of software. The problem is that it doesn’t work together.

Invoices arrive through multiple channels. Purchase orders live in one system. Approvals happen in email. Reconciliation happens in spreadsheets. Compliance is checked separately.

The result is not a lack of software. It is a lack of connection between the systems finance teams already depend on.

BancoOS was founded to solve that problem.

Invoices

Purchase orders

Email approvals

Spreadsheets

Compliance checks

Bank files

One intelligent workflow

1Capture
2Validate
3Match
4Approve
5Post

Built from two different perspectives.

Our founding team brings together two perspectives: enterprise software and go-to-market experience, combined with decades of firsthand procurement and operational experience inside major businesses in Vietnam.

Perspective 01

Enterprise SaaS and GTM

How complex products are positioned, sold, implemented and adopted inside large organizations — and what it takes to earn enterprise trust.

Perspective 02

Procurement and operations

Two decades inside supplier management, purchase processes and approvals in Vietnamese businesses — the exact workflows BancoOS is designed to improve.

Founders

Mayank Sharma

Founder & CEO

13+ yrs: Enterprise B2B SaaS
Global GTM: Complex enterprise sales
0 → 1: Building BancoOS

Mayank Sharma is the Founder and CEO of BancoOS, bringing 13+ years of experience in enterprise B2B SaaS, sales and go-to-market.

Across global technology companies and high-growth startups, he has helped take complex products to market, enter new regions and build repeatable enterprise growth engines.

After spending more than a decade commercializing other companies' products, Mayank decided to build one himself.

At BancoOS, he combines deep customer insight with product thinking, AI-assisted development and enterprise GTM experience to build an AI-native finance operating system for Vietnam, starting with Accounts Payable.

His focus is simple: build technology that solves meaningful operational problems and earns its place at the centre of how businesses run.

“The best enterprise software doesn't ask customers to change how their business works. It removes the work that shouldn't exist in the first place.”

Trang Mai Le Thanh

Co-Founder & COO

20+ yrs: Procurement & operations
Vietnam: Hospitality, food, retail
Supplier-first: Domain expertise

Trang is the Co-Founder and COO of BancoOS and brings more than 20 years of procurement and operational experience in Vietnam.

She has led procurement functions across major hospitality, food and retail organizations, including Pizza Hut Vietnam, Paris Baguette and The Coffee Bean & Tea Leaf.

Her experience comes from being inside the workflows BancoOS is designed to improve: managing suppliers, purchase processes, approvals and the operational complexity that sits between procurement and finance.

At BancoOS, Trang brings local market knowledge, domain expertise and direct insight into how Vietnamese businesses actually operate.

Her role is to ensure BancoOS is not simply built for Vietnam in theory, but shaped by the realities of companies operating there.

“Technology only creates value when it fits the reality of how people actually work.”

One understands how enterprise software gets sold. The other understands the workflows it needs to solve.

Enterprise software fails when products are built without understanding how customers buy, implement and adopt them.

BancoOS was built around both sides of that equation.

Mayank brings more than a decade of experience building and selling enterprise SaaS. Trang brings more than two decades of firsthand experience inside the procurement and operational environments BancoOS is designed for.

Together, we combine commercial execution with domain knowledge, global SaaS experience with local Vietnam expertise, and customer access with the ability to turn customer insight into product.

Why Vietnam

Built locally for a market global software was never designed around.

Vietnam is rapidly digitizing its financial infrastructure while businesses continue to manage many critical workflows across disconnected systems, spreadsheets and manual processes.

We see an opportunity to build software around local financial infrastructure, compliance requirements and the realities of how businesses operate, rather than adapting products originally designed for another market.

Vietnam is our starting point. The ambition is much larger.

What we believe

AI should remove work, not add another tool.

Finance teams don't need another dashboard to check. They need systems that do the routine work and surface the exceptions.

Compliance cannot be an afterthought.

In markets like Vietnam, local infrastructure and regulation need to be part of the product architecture.

Enterprise software should earn trust.

AI can make recommendations, but people should remain in control of decisions involving money.

Vietnam is the starting point. Not the finish line.

We are building BancoOS around the realities of finance operations in Vietnam, including local compliance, e-invoicing infrastructure, ERP ecosystems and banking workflows.

Our starting point is Accounts Payable because it sits at the intersection of procurement, suppliers, finance, payments and compliance.

Our long-term ambition is larger: to build the intelligent operating layer for finance across Southeast Asia.

Knowledge Hub

Learn how modern finance teams run on BancoOS.

Practical guides, comparisons and use cases — everything we've learned about automating finance operations in Vietnam, organised in one place.

Popular use cases

AP automation for manufacturers

Multi-plant invoice intake, 3-way matching against POs and goods receipts, and tolerance-based exception routing.

Explore manufacturing

Why ERP isn't enough

ERPs record transactions; they don't run them. See where the Finance Operating System layer takes over.

Read the comparison

GDT e-invoice compliance

Automatic validation of seller tax codes, invoice serials and totals against the GDT registry on arrival.

GDT integration

3-way matching, end to end

The control that compares invoice, purchase order and goods receipt — automated with field-level confidence.

Read the guide

Frequently asked questions

It's the single directory for everything we publish: solution pages for banking, insurance and enterprise finance, integration guides for MISA, Business Central and GDT, comparisons, and deep-dive resources like the 3-way matching guide. Every page is at most three clicks from the homepage.

Browse the full Knowledge Hub

We’re building the future of finance operations in Southeast Asia.

Whether you’re a finance leader, potential customer, partner or future teammate, we’d like to hear from you.

Talk to us Request a demo See open roles