What's inside the “best digital banking innovation in the region” – ChatPay?

ChatPay on TPBank app is one of the typical examples of how TPBank applies technology intelligently and deeply: not only creating a money transfer tool, but also creating a completely new experience - where transactions become as smooth as chatting, as seamless as emotions.

Pioneering innovation with ChatPay - smart, creative money transfer feature on TPBank App

ChatPay is one of TPBank's strategic products, developed to enhance customer experience through deep integration of artificial intelligence (AI) technology and advanced security into popular messaging platforms. With ChatPay, users can perform financial transactions such as transferring money, paying bills, checking balances or even managing personal finances like having conversations on chat applications such as Zalo, Facebook Messenger, and Telegram.

TPBank has turned ChatPay into a simple, smart and extremely powerful transaction tool, helping customers easily access financial services safely and securely with simplified operations. ChatPay allows customers to make transfers directly from chat messages by copying and pasting payment information from conversations, using GenAI & OCR technology on popular messaging applications such as SMS, Viber, Facebook Messenger and Zalo, ... without having to enter data using the keyboard. Or, customers can easily calculate the total amount of money going out - money coming in to a certain recipient with just a few simple operations without having to spend time remembering or writing it down. Thanh Thuy (28 years old), an office worker in Ho Chi Minh City, shared: “What I like most about ChatPay is that when transferring money to an acquaintance, I just need to go to ChatPay, find the name and select it from the list, just like using popular Chat applications, but the good thing is that there is no need to worry about confusion because the transactions received or sent to that person are displayed very easily, the money transfer operation is also very convenient, just like chatting. In addition, you can also send greeting cards on special occasions, which is quite interesting and fun”.

In addition to focusing on renewing the experience, safety is always the top priority with banking transaction features. In the context of many recent cases of successful money transfer screen forgeries, TPBank has quickly deployed a security pattern on the ChatPay transaction screen. This pattern not only prevents fraud, but also ensures that the information on the screen is not easily cut or edited, helping to protect the accuracy and transparency of all money transfer transactions.

TPBank continues to affirm its position as the leading digital bank in Vietnam

Not only stopping at Chatpay, TPBank has continuously invested heavily in digital technology and modern financial solutions. With a comprehensive digital banking ecosystem, TPBank has made impressive strides in providing convenient, highly secure financial services and meeting the needs of customers in the digital age.

ChatPay from TPBank has just won the award for Best Social Banking Initiative in Asia Pacific for 2025. This is not only an important milestone in the bank's development journey, but also a testament to its continuous innovation to bring the best value to customers.

TPBank representative, Mr. Nguyen Hung, General Director of the bank, shared: “We are extremely proud that TPBank and Chatpay were honored at one of the most prestigious awards in the region. This once again affirms TPBank's correct strategy in investing in technology and focusing on customers. In the coming time, we will continue to develop more innovative solutions to bring a more comprehensive digital banking experience.”

In the future, TPBank is committed to continuing to pioneer in the field of digital banking, applying breakthrough technology to improve user experience and contribute to the development of the finance - banking industry in Vietnam and the region.