TPBank officially launches T’AioX: A digital banking expert providing 24/7 customer support.

TPBank has officially launched T’AioX—a digital banking expert integrated into the TPBank App—marking a significant step forward in leveraging AI to understand customers at every touchpoint. By transforming banking functions into natural conversations, T’AioX delivers a fast, personalized, and engaging experience for managing finances, checking transactions, and discovering special offers.

When AI Is More Than Technology: Creating Emotional Connections

As digital transformation continues, using Artificial Intelligence (AI) in banking is no longer new. Instead of focusing only on technology, TPBank focuses on creating personalized experiences and bringing practical value to customers. T’AioX is not just a smart AI tool, but a Digital Banking Expert that understands customers’ spending habits and financial needs. It makes every interaction on the TPBank App more natural and personal, just like a conversation between friends.

Customers can enjoy T’AioX’s support through four main groups of features built into the app. Instead of searching through transaction history or doing calculations themselves, users can simply ask questions such as, “How much did I spend in the past year?”, “Find my money transfers to NAM,” or “List my bill payment transactions.” T’AioX will quickly collect the information and provide accurate results. It can also remind customers about loan payments, regular bills, and credit card balances, helping them better manage their spending.

Another useful feature is AI SmartSearch, which helps customers find what they need without spending time looking through many menus. When customers ask questions such as “I want to open a savings account,” “How much is the annual credit card fee?”, “How do I block my credit card?” or “Where can I pay my bills?”, T’AioX will answer directly and take them to the right screen. Customers do not need to remember where each feature is located.

T’AioX also provides 24/7 support in urgent situations. If customers have not received a money transfer, need to block a card immediately, or have an OTP problem, T’AioX can quickly identify the issue and guide them to the right support channel or consultant. It also helps customers discover personalized offers. With just a few simple questions, users can find shopping, dining, and travel promotions based on their spending habits.

Using AI to Improve the Customer Experience

The development of T’AioX is part of TPBank’s long-term plan to build a smart and user-friendly digital banking ecosystem. Instead of asking customers to learn how to use complicated interfaces, TPBank is making technology adapt to customers’ language and habits. T’AioX is the result of TPBank’s long-term effort to develop and apply AI in banking.

T’AioX is more than a regular AI chatbot. It is built on a Multi-LLM Platform, allowing TPBank to use leading AI technologies such as ChatGPT, Gemini, and Grok. Depending on each situation and customer need, the system can choose the most suitable AI model to provide faster and more accurate answers and a better user experience.

T’AioX also supports not only customers but the bank’s employees. It can help with product information, transactions, customer service, information searches, daily operations, data analysis, and other tasks, all on one AI platform.

Instead of building just another chatbot, TPBank has developed an AI platform that can continue to adopt new technologies. This allows T’AioX to become smarter over time while maintaining high performance and security. As a result, both customers and employees can enjoy a better experience.

TPBank’s focus on understanding customers has helped the bank win two prestigious awards from The Asian Banker: “Best GenAI Application” and “Best Enterprise-Wide AI Technology Implementation in Vietnam.” These international awards show that TPBank is taking GenAI beyond a traditional chatbot and turning it into a real digital banking companion for customers. They also encourage TPBank to continue improving T’AioX, making every financial journey on the TPBank App smarter, safer, and more personal.

Following a successful pilot phase, TPBank is officially rolling out T’AioX to all customers nationwide. This is an opportunity for every TPBank customer to experience a brand-new approach to banking—one where your needs are heard and met in an instant.

Log in to the TPBank App today to start your first conversation with your very own "Digital Banking Expert"!