TPBank - the intelligent bank that understands you to enhance your digital life

TPBank is leading the transformation from a digital bank to an intelligent bank - where modern technology connects with the heart to serve users in the most unique way.

Intelligent Bank is a banking model that applies artificial intelligence (AI) and smart technologies such as big data, RPA, chatbots... to operate more efficiently, manage risks better and create personalized experiences for customers.

In the era of extensive digitalization, when all services can take place with just one touch, users are not only looking for a "faster" bank but also a bank that understands them better. Understanding that, TPBank's digital banking journey is not only about providing many features, but also about becoming an intelligent bank with a financial ecosystem powered by AI, linked to every moment of life, every small habit and every individual need of customers.

With a different technological mindset, TPBank's intelligent bank does not wait for users to have new needs to meet them, but is always one step ahead of potential needs, even 6 or 7 years ahead of the times, before technological features become a trend. Products such as LiveBank 24/7, or more recently the Paste to Pay feature on TPBank App are typical examples when TPBank deployed them very early, operated stably, and became a symbol in the digital finance field. But it was not until recently that a few other banks began to appear to provide similar technologies.

With a sophisticated combination of modern technology and humanistic intuition, TPBank constantly develops products that bear the mark of an intelligent bank - where technology is not only smart but also easy to use, close, deeply personalized and emotionally connected to users like a companion who understands you from thought to action.

Banking transactions as easy as a conversation

No longer unfamiliar to digital banking users, TPBank's ChatPay is one of the leading features in personalizing the financial experience with technology. Developed from the common habit of chatting via messaging applications, ChatPay allows users to make money transfers as if in a conversation.

Transactions occur naturally as part of the conversation, where users only need to enter the amount, transfer content, click send to complete the transfer, without having to re-enter information continuously, without leaving the interaction thread. The system automatically records the recipient, suggests content and even allows users to give each person a memorable name to make the next transaction even faster.

Just like in a conversation, where you always see the entire history of previous conversations, ChatPay also displays the full transactions made with each contact. Each time you transfer money, you can easily review the transaction history with the recipient, even summarize the number of times and the amount transferred - all presented in an intuitive, vivid and close way like chatting in a familiar messaging app.

Thanks to that, the financial experience becomes more personalized than ever, when each money transfer interaction is linked, tracked and remembered separately for each person like in your contacts.

Behind that convenience is an integrated system of AI suggesting recipients, analyzing context and an interface optimized according to young users' behavior. ChatPay is not only smart, but also deeply "understanding": The application understands that customers want to simplify their finances, without interrupting their digital life experience, especially in everyday moments such as sharing coffee money, transferring money for lunch, or congratulating on special occasions...

With Paste to Pay, TPBank also turns the entire process of transferring money from text messages into a single step: Copy and Paste. Previously, when receiving a message like "Please transfer 2.35 million to BankX 0049xxxxxx, content: Monthly deposit 6", Viet Anh had to memorize the information, switch back and forth between the chat application and the banking application, then manually enter each item - an operation that is easy to make mistakes, time-consuming, especially when the content is unclear. Now, just copy the message and paste it into ChatPay on the TPBank App, the system will automatically analyze and fill in the transaction information. No errors, no manual input, completed in just a few seconds.

The technology behind Paste to Pay is a combination of OCR (optical character recognition), language AI, and machine learning algorithms trained from millions of real transactions. But what is more important is the sophistication in the way of thinking about the product: No ostentation, no "innovation" just to impress, but doing it really close to user behavior.

Paste to Pay is not a technological revolution, but it is an important step forward because it brings comfort to customers - just as TPBank's philosophy once emphasized: "The bank is present at the right time, in the right context, in the most natural way".

Intellectual Bank" opens a comprehensive digital ecosystem with its own unique mark

ChatPay or Paste to Pay are just "slices" in a larger picture that the intellectual bank TPBank is building: A seamless, personalized, and multi-platform digital banking ecosystem. With more than 98% of transactions currently conducted via digital channels, TPBank has been investing heavily in core technologies such as AI, RPA, Big Data and Cloud, while expanding connectivity through the Open API platform, allowing the integration of financial services into many external systems such as e-commerce, insurance, education, healthcare, etc.

TPBank LiveBank 24/7 system - an automated bank that fully supports transactions outside of business hours, creating unprecedented flexibility in customer experience.

TPBank's strategy of "expanding the banking space" is also demonstrated through its presence on familiar platforms such as Zalo mini-app, e-wallet, e-payment gateway... Thanks to that, the bank is no longer a destination but appears at every touchpoint, present where customers live and interact every day.

All these efforts are aimed at realizing the spirit of bringing "Top utilities - Top life", when technology not only serves transactions, but also helps customers enjoy life in their own way: More convenient, more proactive and more personal in every interaction with the bank.

"We do not develop technology to 'race', but to integrate into customers' lives in the most natural way. Each utility that TPBank offers comes from listening and understanding, not only to meet needs, but to be one step ahead, bringing financial experiences at the right time, in the right context and in accordance with each person's lifestyle. Therefore, TPBank aims to build an 'intelligent bank' - where artificial intelligence (AI) and smart technologies are widely applied in banking operations, to improve efficiency, minimize risks and bring better experiences to customers", Mr. Nguyen Hung, General Director of TPBank shared.

It is no coincidence that TPBank is considered one of the most pioneering and flexible digital banks in the market. What makes the difference is not only the speed of technology application, but also the way TPBank puts people at the center of all development decisions. Utilities are not simply created to "race" technology, but to truly integrate into the customer's life rhythm in a gentle, natural and personalized way for each need.

That is how this intelligent bank reshapes the relationship between users and banks: Not distant, not overly technical, but close, smart and easy to integrate into digital life. There, the bank is no longer a destination to remember, but a financial companion that helps each customer live fully with a top-notch digital financial system, in their own way.