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About Us

At Plentina we believe we can reimagine financial services when we cooperate.

Headquartered in Silicon Valley and serving emerging markets, Plentina is a  fintech startup building a new digital-first experience for financial services leveraging artificial intelligence.


Plentina works to create better financial opportunities to enable everyone's greatest potential.



We believe a digital-first financial service infrastructure can unlock the potential of the world's emerging middle class.

Meet The Founders

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Kevin Gabayan

Chief Executive Officer and Co-founder

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Kevin was previously a computer vision researcher at NASA Ames, and led data science at Bump Technologies when it was acquired by Google. After being an Android machine learning engineer he founded a team at Google’s Area 120 incubator to improve emerging market credit access.  Kevin has been granted 4 patents in mobile behavioral data. He is the CEO responsible for product and technology.

BS Electrical Engineering, UCLA

MS, Electrical Engineering, Stanford

All-but-thesis Electrical Engineering PhD, Stanford



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Earl Valencia
Chief Business Officer and Co-founder

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Earl was an aerospace engineer by training before going to b-school.  He then worked in BD at tech companies such as Cisco, VMWare, and EMC. Earl founded a startup incubator while he was VP of the largest telecom in the Philippines, held executive roles at Bridgewater and Charles Schwab, and was a World Economic Forum Young Global Leader.  As the Chief Business Officer, he is responsible for business development, marketing and operations.

BS Electrical Engineering, Boston University

MEng Systems Engineering, Cornell

MBA, Stanford


500 Startups Vietnam Fund

Emergent Ventures

Our Investors

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