From “extra features” to a new standard for payment accounts.
Dr. Le Xuan Nghia, an expert in economics , finance, and banking, once stated: “The future trend of credit is automatic profit generation. In just a few years, people will only need to leave money in their wallets – and those wallets will generate profit automatically. This trend is creating an extremely strong effect, contributing greatly to the economy – bringing the Vietnamese financial market up to par with global trends.”
The reality turned out exactly as he predicted. In just over a year, Automatic Interest Generation has transformed from a novel concept into a familiar feature for bank users in Vietnam, helping customers easily earn optimal interest rates on their idle balances.
Dr. Le Xuan Nghia believes that Automated Profit Generation is a trend that will help the Vietnamese financial market catch up with global trends and make a significant contribution to the economy.
The factors that make the Automated Profit product uniquely attractive.
The allure of Techcombank 's Automated Profit program has made it impossible for other banks to stay out of the game. However, the way these institutions implement the product differs significantly, with diverse operating mechanisms depending on the unique strengths of each financial institution.
Accordingly, some products require a minimum balance threshold to ensure stable cash flow and optimize profits for customers with large balances, although this may be difficult for users with small balances to access. Others require a minimum holding period to ensure capital safety and high returns. Many banks set interest rates based on the time the money remains in the account. Some products include conditions requiring the use of additional services such as cards, insurance, or investments to maintain superior interest rates.
According to experts, besides interest rates, users should consider three factors before activating the Automatic Profit feature at any bank: brand reputation and the product's technological platform, safety, flexibility, and transparency regarding the mechanism and methods for managing balances/profits.
In this context, brand reputation and technological foundation are paramount, as the entire profit-generating mechanism operates on an automated allocation system and digital management. Dr. Le Xuan Nghia once emphasized: "Automated Profit-Generating products rely heavily on a technological platform because, to develop into a large deposit stream, banks must have a strong database and apply AI technology to analyze and select customers, creating an optimal ecosystem."
Techcombank's Automatic Interest Earning product is currently one of the most optimal interest-paying products for customers' checking accounts, with interest rates up to 4.4% per year.
Secondly, flexibility is key – the ability to make payments 24/7, without any limitations or thresholds. Because it's a product that pays interest on the balance in a checking account, the ideal product doesn't require a minimum balance, has no threshold limits, or holding period restrictions – allowing customers to withdraw or spend at any time without affecting accumulated interest. Without this flexibility, users might prefer traditional savings products with higher yields.
Thirdly, before activation, users must have easy access to information about the operating mechanism, profit payment schedule, ability to check balance and actual interest received – ideally through a digital bank. Reputable banks usually clearly disclose how they use the funds, investment partners (if any), and strictly comply with the regulations of the State Bank of Vietnam.
For example, on its website, Techcombank openly explains how the product works: “After activating Automatic Profit, the system will automatically allocate idle funds in the customer's payment account to safe profit-generating products such as Demand Deposits, Bao Loc Certificates of Deposit, and other income-generating assets...” and “Profits from Automatic Profit are accumulated daily and paid periodically into the account by Techcombank in the following month.”
Challenges and advantages of being a "Pioneer"
Pioneering the creation of new products has brought many benefits but has also put Techcombank in a position of intense competition from later products. However, Jens Lottner, the bank's CEO, once shared: "It takes a lot of technology, artificial intelligence, and connectivity between different products for Automated Profit to truly work. This is our irreplaceable differentiating factor."
This bank's confidence is entirely justified. Techcombank's Automated Profit Generation technology platform has passed the most rigorous international testing standards, evidenced by three prestigious awards at the IBA Stevie Awards 2025: a Gold award for Customer-Centric Product Design, and two Bronze awards for Outstanding AI Application and Outstanding Financial Service. The Stevie Awards, considered the "Oscars of the international business world," are among the most prestigious awards for global businesses. These awards not only demonstrate the competitiveness of Vietnamese products and affirm that the Vietnamese financial industry has caught up with the world in developing and applying technology – including AI – but also confirm Techcombank's commitment to optimizing the customer experience.
Techcombank's Automatic Profit Generation feature will soon be upgraded with superior protection.
Thanks to its pioneering spirit, Techcombank has accumulated feedback from millions of customers, upgrading its systems to create differentiation through liquidity with the ability to both spend and earn, optimizing profits for the entire balance without any limitations or thresholds, ensuring that even a single dollar of customer money generates profit, every day.
Along with benefits up to 88 times higher than a regular account, Techcombank's Automatic Profit Account also allows customers to withdraw money at any time without affecting accumulated interest, and profits are easily and transparently tracked on the digital banking app. For many Techcombank customers, the Automatic Profit Account is the new generation account, completely replacing the previous model and becoming their preferred primary banking transaction account.
Leveraging its technological advantages and being a "pioneer" in the Automated Profit Generation trend, Techcombank is constantly striving for a superior version. Ms. Nguyen Van Linh, Deputy Director of Retail Banking at Techcombank, stated that the bank continues to invest and upgrade its services to enhance value and provide the best possible experience for customers. In the near future, Techcombank's Automated Profit Generation will be enhanced with additional layers of protection to improve account security, giving customers greater peace of mind when using the product.
Optimizing benefits at the most frequent point of contact between banks and users, Automated Profit not only changes how users manage their personal finances but also opens up an effective capital mobilization channel, helping to activate idle funds and reintegrate them into the financial system to support credit, production, and consumption. This groundbreaking product from Techcombank possesses strong appeal and widespread potential, contributing to shaping a new standard for the modern banking industry.
Bui Huy
Source: https://vietnamnet.vn/cach-techcombank-tao-dau-an-khac-biet-voi-sinh-loi-tu-dong-2450148.html
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