Compare · Vietnam
Refreshed 08/11/2026PEKO vs Mobio
Written by PEKO Team.Last updated: 08/11/2026.
Published: 05/01/2026
Updated August 2026 — Mobio is a Vietnamese enterprise CDP built for brands with dedicated CRM teams running cross-channel campaigns at scale. PEKO is the AI-native retention layer for F&B and retail operators who want churn prediction and win-back automated for them — without a 3-month CDP rollout.
Mobio is one of Vietnam's most established CDPs, with a heavy footprint in retail chains, banking, and telco. PEKO is a different shape of product: an AI-native retention layer built for F&B and retail operators who don't have a dedicated CRM team. This page compares them honestly so you can pick the right fit.
- Mobio is an enterprise CDP for brands with CRM teams; PEKO is AI retention for F&B/retail operators without one.
- PEKO predicts churn 3 days ahead and auto-writes Zalo win-back; Mobio gives you the segments and tools, you write the campaigns.
- PEKO is live in an afternoon; Mobio rollouts typically take 6–12 weeks.
What is Mobio? Vietnamese CDP/CRM platform used by mid-market to enterprise brands across retail, F&B, banking, and telco for omni-channel marketing automation.
The PEKO ecosystem
PEKO and LOOP are two products from the same company. PEKO is the AI retention layer and runs alongside the POS you already use. LOOP is the AI-native POS that covers operations: recipe-level inventory, staff shifts, table plans and the kitchen display. Each works on its own, and run together they share one dataset, so nothing has to be entered twice. See PEKO + LOOP in one ecosystem
Choose PEKO when
- You run an F&B or retail operation with 1–50 outlets.
- You don't have a dedicated CRM/marketing-ops team writing campaigns.
- You want AI to predict churn and write win-back messages for you.
- You need to be live this week, not next quarter.
- Your stack is POS-centric (KiotViet, iPOS, Sapo, LOOP) rather than ecommerce-first.
- You'd rather chat to your loyalty tool than click through 10 dropdowns — PEKO's AI Agent creates vouchers, segments and campaigns for you, and you only click Approve.
Choose Mobio when
- You're an enterprise brand with a CRM team running multi-brand campaigns across email, SMS, app push, Zalo, and web — PEKO does not replace that team; the AI Agent only drafts the segments and campaigns for them to approve, which cuts the time without taking away control.
- You need a true CDP with custom event ingestion from many systems (ecommerce, app, web, offline) — true; PEKO is a retention layer for independents and mid-sized chains, not an enterprise CDP; many chains run both, with the CDP as system of record and PEKO as the AI retention layer at the venue.
- You have budget and patience for a 2–3 month implementation with a Mobio solution team — PEKO cannot match that depth of custom build; it goes the other way, live in 10–15 minutes on a free tier, so you can prove the retention lift before committing a quarter and a budget.
- You're in banking, telco, insurance, or large retail where a CDP is the system of record — true; PEKO is a retention layer for independents and mid-sized chains, not an enterprise CDP; many chains run both, with the CDP as system of record and PEKO as the AI retention layer at the venue.
Feature by feature
| Feature | PEKO | Mobio |
|---|---|---|
| Product category | AI retention layer | Enterprise CDP + marketing automation |
| Primary buyer | F&B / retail operator | Enterprise CMO / Head of CRM |
| AI churn prediction | Built-in, 3 days ahead | Available via custom models |
| Auto-written win-back (Zalo) | Yes, AI-personalised | You write the templates |
| POS integrations (KiotViet, iPOS, Sapo, LOOP) | Native, one-click | Custom connector project |
| Zalo OA / mini app | Native | Native |
| Time to first campaign | Same day | 6–12 weeks |
| Starting price | Free forever (basic) | Enterprise quote (typically 8-figure VND/year) |
| Best fit size | 1–50 outlets, SMB → mid-market | Enterprise brands, 100+ stores or millions of customers |
| Customer support model | Self-serve + chat | Dedicated solution team |
| In-product AI Agent that takes actions for you | Yes — chat to create vouchers, segments, campaigns and settings; approval-gated (you click Approve) | No — manual clicks through dashboards and dropdowns |
| Can customers self-enrol without a cashier? | Yes — customers scan a table/receipt QR or photograph the bill and PEKO's OCR credits points automatically. Cashier is out of the enrolment loop. | Not clear from public documentation |
| Can it earn points from other POS receipts? | Yes — AI OCR reads receipts from any POS (KiotViet, iPOS, Sapo, MISA, PosApp, Toast, Square). No POS swap or API required. | Not clear from public documentation |
| Can someone who did not pay join? | Yes — anyone present scans the in-venue QR to join and receives a joining reward | Not stated in public documentation |
| Redeem rewards on online orders? | Yes — the same balance redeems online and in-store | Not stated in public documentation |
| How many automated message types? | 10 types, including points- and voucher-expiry reminders | Not stated in public documentation |
| Abuse controls when customers claim their own points? | Yes — rate limits, receipt age and value thresholds, 90-day brand-wide duplicate-image matching, risk-tiered actions | Not stated in public documentation |
Product category
AI retention layer
Enterprise CDP + marketing automation
Primary buyer
F&B / retail operator
Enterprise CMO / Head of CRM
AI churn prediction
Built-in, 3 days ahead
Available via custom models
Auto-written win-back (Zalo)
Yes, AI-personalised
You write the templates
POS integrations (KiotViet, iPOS, Sapo, LOOP)
Native, one-click
Custom connector project
Zalo OA / mini app
Native
Native
Time to first campaign
Same day
6–12 weeks
Starting price
Free forever (basic)
Enterprise quote (typically 8-figure VND/year)
Best fit size
1–50 outlets, SMB → mid-market
Enterprise brands, 100+ stores or millions of customers
Customer support model
Self-serve + chat
Dedicated solution team
In-product AI Agent that takes actions for you
Yes — chat to create vouchers, segments, campaigns and settings; approval-gated (you click Approve)
No — manual clicks through dashboards and dropdowns
Can customers self-enrol without a cashier?
Yes — customers scan a table/receipt QR or photograph the bill and PEKO's OCR credits points automatically. Cashier is out of the enrolment loop.
Not clear from public documentation
Can it earn points from other POS receipts?
Yes — AI OCR reads receipts from any POS (KiotViet, iPOS, Sapo, MISA, PosApp, Toast, Square). No POS swap or API required.
Not clear from public documentation
Can someone who did not pay join?
Yes — anyone present scans the in-venue QR to join and receives a joining reward
Not stated in public documentation
Redeem rewards on online orders?
Yes — the same balance redeems online and in-store
Not stated in public documentation
How many automated message types?
10 types, including points- and voucher-expiry reminders
Not stated in public documentation
Abuse controls when customers claim their own points?
Yes — rate limits, receipt age and value thresholds, 90-day brand-wide duplicate-image matching, risk-tiered actions
Not stated in public documentation
From your chat request to a live merchant setup — 5 steps.
Here's the before/after workflow: the strikethrough line is how other tools make you do it, the line below is how PEKO's AI Agent does it for you.
Click a step to run it in the demo below.
Sample prompt
“20% off weekday lunch for lapsed diners we haven't seen in 30 days, cap 1 per customer.”
Ready-to-paste voucher request — drop it straight into the AI Agent chat.
Questions merchants ask at each step
Ask, review, approve.
Describe the voucher you want in one sentence. PEKO's AI Agent drafts the full configuration; you approve it with one click — no 10-step form.
Your request
Or try one of these:
Proposed voucher
FAQ
Is PEKO a CDP like Mobio?
No, and that's deliberate. Mobio is a customer data platform — its job is to unify data from many sources and let your team build segments and campaigns. PEKO is a thinner, more opinionated product: it reads your POS data, predicts which customers will stop coming back in the next 3 days, and writes the Zalo message that brings them in. If you need a full CDP for cross-brand marketing operations, Mobio is the right shape. If you need retention to just work without a CRM team, PEKO is.
Can PEKO and Mobio work together?
Yes. Several mid-market chains use Mobio as their data hub and PEKO as the AI retention layer that sits on top of POS data. PEKO can export its churn scores and recommended actions to Mobio so your CRM team can fold them into wider campaigns. For most independents and chains under ~50 outlets, PEKO alone covers what they need without the CDP overhead.
How does pricing compare?
Mobio is quoted per project — typical enterprise contracts are tens to hundreds of millions of VND per year depending on volume, channels, and modules. PEKO has a free-forever basic plan, with paid tiers in the low millions of VND per month for AI features and higher message volume. For an independent café or a 5-outlet chain, PEKO is usually one to two orders of magnitude cheaper.
Which has better Zalo OA support?
Both are strong on Zalo. Mobio treats Zalo as one of many channels (alongside email, SMS, app push, web) and gives you a unified composer. PEKO is Zalo-first for F&B/retail — the AI writes Zalo messages in Vietnamese tuned to your venue type and customer segment, not generic templates. If Zalo is your primary retention channel, PEKO's defaults will get you further faster.
We're a 30-outlet F&B chain — which should we pick?
If you have a CRM/marketing team that already runs campaigns and you need a data platform to power them, Mobio. If you want retention automated and your team focused on operations, PEKO. A common path is PEKO first (live in a day, free to try, immediate churn lift), then layer Mobio later when cross-channel orchestration becomes the bottleneck.
Do I still need to learn a complicated dashboard?
No. PEKO's embedded AI Agent takes actions for you — creating vouchers, building segments, drafting campaigns — inside the product. You describe what you want in chat, the Agent configures it, and you only click Approve. The full dashboard is there when you want it, but on any given day you can run PEKO by messaging the Agent.
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PEKO vs Bizfly Loyalty
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PEKO vs CNV Loyalty
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Sources & citations
These public sources support the competitor pricing, feature, and limitation claims in this comparison.
- MOBIO — Official product materials
MOBIO customer-data and marketing-automation positioning.
- PEKO — Plans and pricing
PEKO free-plan, paid-plan, and included-feature claims used in the comparison.
How we compare
Every comparison on this site is written from a fair market analyst stance — no hit pieces, no puffery.
- Public materials first. Competitor pricing, feature, and limitation claims are sourced from their own website, marketing collateral, and public reviews (Capterra, G2, App Store) — see the Sources & citations block above.
- Acknowledge real strengths. Each page includes a "Choose Mobio when" block that names the scenarios where the competitor is genuinely the better pick.
- Same feature grid. Every comparator uses the same feature axes (pricing, setup time, messaging channel, churn prediction, data ownership, and more) so you can read across vendors on the same grid.
- Refreshed when the market moves. This page was last updated on 08/11/2026. Spot a stale claim after a competitor pricing or feature change? Email hello@heypeko.com and we'll refresh it.
- No pay-to-rank. We take no payment from competitors to shape rankings or hide weaknesses. If you spot bias, tell us and we'll rewrite the section.
Ready to try PEKO instead of Mobio?
Start free in 15 minutes — or book a 15-minute demo and we'll run the AI Agent on a sample of your data so you can see the churn saves live.