Transforming from transaction to experience: Eximbank creates difference...

Shifting Mindset: From Transaction to Experience

As one of the first joint stock commercial banks in Vietnam, Eximbank used to be associated with a traditional and cautious image. However, in the past few years, the bank has transformed significantly by putting customers at the center. Modern users not only expect diversity in products but also require each solution to be suitable, easy to use and bring practical value. As a result, Eximbank has actively diversified its portfolio, applied advanced technology and improved the product organization process according to the characteristics of each customer group.

Eximbank not only provides services, but also becomes a partner to bring complete experiences to individual and corporate customers.

Eximbank diversifies products with personalized financial ecosystem thinking

For individual customers, Eximbank EDigi digital bank has been comprehensively upgraded, integrating many utilities such as opening online savings books, QR payments, paying taxes, buying transport tickets, topping up phones, shopping online... eKYC technology helps users open accounts remotely, shortening time and simplifying procedures. At the same time, the bank deploys modern payment methods such as Apple Pay, Google Pay, Samsung Pay, Garmin Pay... contributing to promoting cashless payments.

Along with digital banking, the credit card ecosystem is also repositioned in a specialized direction: Eximbank Priority Visa Signature international credit card is exclusively for the high-end customer segment; Eximbank JCB Platinum Travel Cash Back is for travel enthusiasts; meanwhile, Visa Violet is a priority product exclusively for women, with many specially designed benefits.

For corporate customers, especially SMEs, Eximbank develops the EBiz digital platform, optimizing processes and operating costs with utilities such as online guarantees, digital signatures using USB Tokens, deposit confirmation with digital signatures, 24/7 fast money transfer order separation, etc. The bank also introduces flexible financial solutions such as Efast Green, supporting green businesses and female business owners to access preferential capital, or the Exim Metro package with attractive free policies and preferential interest rates when depositing money, as well as preferential international money transfer packages such as The Queen.

Eximbank has just launched the Trade Return program with many incentives for import-export businesses.

For FDI enterprises, Eximbank is deploying specialized products such as foreign currency collection accounts, international payment services, L/C issuance, flexible guarantees, and a separate care system with a professional, multilingual team. The bank is also preparing to launch E-Factoring, a supply chain financing system that helps enterprises access capital quickly and conveniently.

Invest in technology to enhance the overall experience

Not only focusing on products, Eximbank also invests heavily in technology and customer experience. The bank has applied AI technology to its customer care call center, helping to increase response speed and improve satisfaction levels.

Eximbank enhances customer experience with modern online support channel.

The CRM (customer relationship management) system helps Eximbank enhance interactions and provide personalized services, from product suggestions to timely promotions and after-sales care. These improvements help Eximbank create an "automated yet friendly" banking ecosystem, affirming its commitment to accompanying customers.

Growth momentum and open development space

The strategy of expanding the product ecosystem has brought impressive results for Eximbank. In 2024, the bank achieved pre-tax profit of VND 4,188 billion, an increase of 54% compared to 2023, the highest level in 35 years of operation. Total assets, capital mobilization and outstanding credit all grew strongly, of which outstanding credit increased by 19.7%, the highest level in the past 5 years, demonstrating the trust and support of the market.

In particular, increasing charter capital to more than VND 18,688 billion in 2024 creates a solid financial foundation for Eximbank to continue investing in technology, expanding products and upgrading service quality in the coming period.

With the mindset of “building solutions before selling products” and the strategy of restructuring products, Eximbank is creating outstanding value for customers. This is a breakthrough that not only consolidates its position in the market but also opens a new digital era with flexible, convenient and sustainable transaction experiences.

Source: https://baodaknong.vn/chuyen-minh-tu-giao-dich-sang-trai-nghiem-eximbank-kien-tao-su-khac-biet-den-khach-hang-250314.html