Vietnam - a nation with a population of nearly 90 million people and more than 480,000 small and medium enterprises (SMEs). According to a recent survey, only about 5% of the population and 30% of SMEs have credit transactions with the Bank. This is a very low rate compared to other countries in the region (such as in Thailand and Malaysia with 70% and 80% of the population respectively). One of many reasons why Finance institutions (FIs) have not been able to expand their customer base is that they cannot collect enough reliable information to make credit granting decision as well as managing credit risk among this large number of customers.