State-of-the-art, trendy technologies from the heart of the bank lead the digital trend

Investing in technology is a large expense and is constantly reinvested and upgraded. Currently, many large and small banks in the system are spending money on technology to accelerate digital transformation, because if they do not convert digitally or apply technology, the bank will stop. A bank that does not move forward while its competitors move forward will certainly be left behind.

TPBank is a young bank, leading and sensitive to technology trends in the world. Make a big mark on the market in terms of digital transformation, excellence, customer-centricity, and digitalization as leverage.

TPBank is always the leader in applying the latest technologies in banking activities, using technology to help customers and society become more convenient and better - with the overall vision of being a digital bank for humanity.

LiveBank- The symbol of the digital bank that "doesn't sleep"

One of the products that make an outstanding mark of TPBank on the digital transformation journey is LiveBank 24/7 - the bank that does not sleep - deployed by TPBank since 2016. Here, customers can easily use it near like all similar services at traditional transaction offices with the fastest speed, accuracy and security, regardless of day or night, weekdays or holidays. You don't have to wait, just need 1 minute to have a new account, touch to open the card and get it right away, deposit/withdraw money in just 1 second, get a quick loan in just 1 minute of registration. If with other banks, users have to search for transaction offices, wait for staff at the counter, prepare documents, review documents, sign procedures.... then with TPBank, the only thing users need is Remember LiveBank points. Whether customers have an account or do not have an account, they just need to "touch" to perform services and only need to register digital records including CCCD, fingerprint, and face only once. In the future, whether going to the transaction counter or LiveBank, customers will not need to bring any documents or sign paperwork to transact. LiveBank 24/7 now owns a network of more than 500 light points regardless of day or night and is constantly upgrading its utilities, becoming a symbol of digital banking in Vietnam. Currently, TPBank is developing a LiveBank pilot + integrating Combined with other services such as shipping, buying small items and many amenities.

LiveBank online transaction counters exist as physical milestones marking TPBank's determination to digitally transform. Today, in many cities, you can see TPBank's unusually large kiosks: inside is a system of equipment that allows individual customers to make most common transactions at the counter. They work all the time. They are the first bank to build a 24/7 transaction counter system throughout Vietnam.

All banking services are provided by LiveBank in just a moment

AI, eKYC, Big Data... advanced technologies create a different experience

In 2017, TPBank began applying artificial intelligence to serve customers in the field of digital banking with a virtual assistant called T'Aio on Facebook Fanpage to answer customers' questions, becoming a bank The first in Vietnam to use artificial intelligence to improve service quality, meeting customers' needs for 24/7 service.

From that moment on, T'Aio's response speed when receiving information communication requests from customers was very fast, less than 5 seconds, operating 24/7 and continuously learning and improving through customer support times to gradually become smarter and more human-like thanks to the application of artificial intelligence. T'Aio can answer questions related to payment accounts, savings, loan products, card products, TPBank Mobile and LiveBank applications as well as guide customers to perform a number of functions such as: reporting lock card, open card, open account, apply for loan...

By 2020, when the trend of opening electronic identification (eKYC) accounts began to emerge, banks were still hesitant to experiment because of fear of security issues, TPBank was a pioneer in officially applying to open customer accounts. for personal customers using this form, then by 2022 it will be applied to corporate customers.

TPBank is very confident in becoming one of the first banks to announce the completion of the eKYC process - electronic identification on mobile applications. Customers from that point on can open accounts and cards on the app without going to the counter. The reason for confidence is because every technology has been tested and operates smoothly on LiveBank.

Allowing customers to open accounts with eKYC, along with the strong operation of the LiveBank system, has brought a huge customer base to TPBank, with up to 3 million new customers in 2022 alone. In the first 9 months of 2023, the bank surpassed 10 million customers and the number continues to increase every day.

In 2023, the digital assistant "eCM" will be deployed by TPBank at transaction counters, automatically identifying customers using identification documents and biometrics, helping customers to transact immediately after just a few seconds of identification and authentication. real. This is a strong improvement in TPBank's digital transformation to serve customers faster at traditional transaction points.

Referring to this latest technology, Mr. Nguyen Hung - General Director of TPBank shared: "The eCM digital assistant at the counter is a device that has never appeared on the Vietnamese market, creating a highlight and increasing competitive advantage. competition in the banking sector. TPBank is continuously innovating, welcoming more and more customers who love technology and convenience. This is also a method to minimize the risk of counterfeiting compared to traditional transactions, helping banks save paperwork and document printing costs."

Unique and "cool" digital banking application

On the mobile application, in addition to outstanding products and services that are constantly being introduced for customers to experience, there are many other unique features that only TPBank Mobile application users can experience and be convinced of. Options include transferring money by voice (VoicePay, applying natural language processing technology), transferring money using facial recognition or transferring money in a chat interface (ChatPay)...

Besides, the balance fluctuation sharing feature is also loved by shop owners thanks to its convenience and speed. Store owners who escaped the situation had their employees take screenshots of customers and send them back. From there, TPBank brings a seamless digital experience to customers using the ecosystem from SoftPOS - turning phones into card swipe machines, Universal QR, ChatPay, VoicePay...

On the digital platform for businesses, TPBank Biz offers product packages to serve all businesses from small and medium scale, to corporations and corporations. Comprehensive financial management experiences with a series of free services... help businesses best optimize costs and control cash flow in business activities. In the near future, TPBank will launch a super-fast online bid guarantee product, shortening time and bringing convenience to companies.

TPBank's technological innovations are not only a pioneer in the market but also a model for other banks to learn after purple banks deploy them smoothly and effectively. However, technology is not easy to imitate, like the LiveBank model, although it has been deployed for 7 years, it is still a model that no "copy and paste" bank has been completely successful and deployed on a large scale in the market. school.

​In order to have outstanding changes in technology to bring new and convenient experiences to customers, in addition to investing in technology, TPBank also truly makes breakthroughs from within the bank itself. The bank has now built a strong team of human resources in the digital field and mastered advanced technologies in the world.

Investing in technology, continuously innovating and creating, TPBank sets a loftier goal of expanding its customer base, thereby becoming an important factor contributing to the Government and State Bank's projects. Most Vietnamese people will be able to use banking services, of which 90% will use digital banking services. This will help customers save time, travel effort, travel/cash withdrawal costs... making customers' lives easier thanks to the support of digital banking.

Everything that TPBank focuses on is serving customers, serving people, giving people a simpler, more wonderful experience, leading to a better life in a digital, social city. civilized digital bank, with a consistent orientation - a digital bank that understands and cares for humanity.