TPBank Leads the Trend of Digital Banking for Young People – A Journey of Personalization and Breakthrough Technology

When talking about digital banking for the younger generation, TPBank is probably the first name that comes to mind for delivering an ultra-convenient experience in line with the digital age. With a smart interface and creative features, you don't need to be an expert to easily manage your finances with just a few taps on the TPBank app!

With their quick adaptability to technology and an active lifestyle in today's interconnected world, the younger generation now sees banking apps not only as standard financial tools but also as platforms that must be convenient, easy to use, and tailored to their lifestyles! Minh, a true global citizen, is a prime example of how digital technology can make life and work easier for young people.

As a young entrepreneur who loves traveling, Minh used to struggle with managing his finances due to the need to constantly move around and run his business remotely. But ever since downloading the TPBank app, Minh has found the key to effortless financial management!

Before his trip to Thailand, Minh was able to book his flight and hotel right through the TPBank app. Once in Thailand, he paid via QR code directly from his TPBank account without needing cash. While enjoying his time in Bangkok, Minh continued to receive sales updates from his shop in Vietnam through the app’s feature that shares balance fluctuations with his staff. When it was time to pay wages, he used the bulk transfer feature to send money to his employees quickly and easily. While preparing financial reports for his shop, Minh used the ChatPay feature to automatically sum up all the transactions with suppliers for the month in no time. While traveling, Minh lost his card, but in just five minutes, he reissued it via the TPBank app and added it to Apple Pay for POS payments. And for his utility bills at home, Minh no longer needs to worry about paying on time as he set up automatic recurring payments.

With just the TPBank app, Minh can efficiently manage both his personal finances and his business with ease. What TPBank’s digital banking technology can do is even more exciting! Let’s hear from Mr. Đinh Văn Chiến – Deputy CEO and Director of the Personal Banking Division, sharing TPBank's strategy and vision in shaping the future of digital banking.

TPBank’s Breakthrough Digital and Technological Strategy

Interviewer: TPBank has had an impressive journey of breakthroughs over the last 10 years. Could you share how TPBank stays ahead in the digital banking world?

Mr. Dinh Van Chien: TPBank is the companion to young people in the 4.0 era. With our mission of being a “technology-driven bank for human life,” TPBank is always at the forefront of applying the latest technologies to bring tangible value to our customers.

Understanding that young people are tech-savvy and have an active lifestyle, TPBank is leading the digitalization of the banking ecosystem. Now, customers can do almost all banking transactions on the TPBank app or at TPBank LiveBank 24/7 without needing to visit a branch. Ensuring continuous connectivity at all transaction points, we help "digital citizens" access financial services quickly, safely, and effectively, anytime and anywhere!

At the same time, by using powerful technologies like AI and Big Data, the superior digital experience on the TPBank app remains our strength in winning the affection of young users.

Interviewer: What “breakthroughs” has TPBank made to assert itself as the leading digital bank in Vietnam?

Mr. Dinh Van Chien: TPBank is going big with a very powerful digital strategy, building a super-convenient digital financial ecosystem.

In 2024, TPBank upgraded its entire Core Banking system to better serve customers. With this new version, we can serve more customers and provide faster, smoother transaction experiences. In fact, now we can upgrade the system regularly without interrupting transactions, offering a seamless digital experience.

In 2025, TPBank will continue to improve the interface and user experience on the TPBank app. The improvements are based on thorough research to simplify transactions and make them easier. The new interface will also enhance aesthetics and align more with the preferences of young users.

To deliver an experience beyond expectations, TPBank has been pioneering the use of AI and Big Data to provide personalized experiences. We believe personalization will be key to ensuring customer satisfaction with our services.

TPBank App: Personalization Tailored for Gen Z

Interviewer: Could you elaborate on how TPBank applies AI, Big Data, and Machine Learning to deliver a top-notch experience, especially for Gen Z?

Mr. Dinh Van Chien: When we talk about personalization, it may sound like a buzzword, and many users might not fully understand how personalization technology affects them. To put it simply, personalization uses technology to make users' transactions more convenient, helping them easily find the right products and services and providing a more satisfying experience.

TPBank is utilizing cutting-edge technologies such as AI, Big Data, and Machine Learning to deliver super-fast, super-convenient financial experiences for young people:

We have a "marketplace" where you can find hundreds of diverse services. With so many options, to avoid getting lost in a maze of choices, we use AI to recommend services based on customer behavior and needs.

With the ChatPay feature, you can copy a message from a friend on Zalo with mixed-up information, paste it into the feature, and the AI technology will automatically generate a transfer order and fill in the required fields for you.

The TPBank app also features MeZone, where the AI assistant reports your overall financial status, suggests suitable products, and allows you to customize and organize your favorite features. We aim for personalization to be not only for customer groups with similar characteristics but for each individual customer. This means that every TPBank app version will be unique for each person.

Another big plus is that you can open a credit card directly on the TPBank app. We use algorithms to recommend credit limits, and once you agree, you can have the card and add it to Apple Pay for immediate use or pay online, receiving the physical card after a few days.

Thanks to these innovations, TPBank attracted 2.1 million new customers last year, bringing the total number of customers to over 14 million, proving that TPBank has become a trusted companion for young people in all their financial transactions.

Interviewer: What successes has TPBank had in building its image and positioning itself as the leading digital bank for Gen Z, especially after winning the Z First-Rate Award?

Mr. Dinh Van Chien: With the “Most Popular Financial and Consumer App for Young People” award in the Z First-Rate category at the WeChoice Awards 2024, TPBank has proven its strong appeal and trust from Gen Z.

The reason TPBank is so loved lies in the fact that we draw inspiration from the vibrant and dynamic lives of young people, bringing new utilities every day to make life more convenient and in sync with their busy lives.

TPBank offers top-tier experiences, personalized for each individual. Every young person who comes to TPBank will feel a unique service that matches their personal style and preferences.

Interviewer: What strategy does TPBank have to continue “pleasing” Gen Z in 2025?

Mr. Dinh Van Chien: It’s no coincidence that TPBank is so loved by Gen Z. For us, this is the result of a synchronized strategy and continuous effort to provide products and services that not only manage finances but also deliver an exceptional personalized experience.

Every TPBank product embodies a youthful, creative spirit, helping young people live fully with their own style. This is what we always aim for—not just transactions, but differentiation in every experience.

In 2025, TPBank will introduce a series of cutting-edge digital services with outstanding experiences. No matter where you are or what style you live by, TPBank is always ready to accompany you and help you live your life in a way that’s truly yours!

Interviewer: Does TPBank have any messages for Gen Z and the community about its development journey? There will definitely be many interesting things ahead!

Mr. Đinh Văn Chiến: TPBank is committed to always being ahead, creating the best utilities for young people. With creative financial solutions, TPBank has met the needs of customers and kept pace with Gen Z's dynamic lifestyle.

With our breakthrough strategy and advanced technology, TPBank is firmly asserting its position as the leading digital bank in Vietnam. Our journey of personalizing experiences and shaping the future of digital banking will open up countless new opportunities, especially for Gen Z – the creative generation that constantly breaks new ground.

Get ready to embrace the surprises that TPBank has in store for you, Gen Z!