OCB digital financial solution stands out at the 2025 Banking Industry Digital Transformation Event

Giải pháp tài chính số OCB nổi bật tại sự kiện chuyền đổi số ngành Ngân hàng 2025

Mr. Pham Hong Hai - General Director of OCB introduced digital products to the Prime Minister, Governor of the State Bank of Vietnam and leaders at all levels. Photo: Provided by the unit

OCB "leads" in digital transformation with a series of modern financial solutions

As one of the "leading" banks in digital transformation with systematic and professional system investment, building a solid foundation many years ago, at the 2025 banking digital transformation event, OCB continues to introduce superior financial products, tailored to the needs of each customer segment such as OCB OMNI, digital bank for young people Liobank, especially the OCB Smart Merchant platform - Comprehensive smart payment and sales management solution, designed specifically for merchants, especially small and medium enterprises (SMEs).

With OCB OMNI, launched in May 2024, this platform has set a new standard in the digital banking sector in Vietnam in terms of speed and convenience. Not only using FIDO security technology with a powerful encryption algorithm, multi-layer security to sign each transaction, which is considered the safest today, OCB OMNI also integrates more than 200 features on just one application, fully meeting the daily financial transaction and consumption needs of customers. In addition, OCB OMNI also strongly applies data technology and artificial intelligence (AI) to care for and personalize customer experience. By analyzing behavior and needs in real time, the application will proactively customize products and services according to the needs of each customer at the right time quickly, conveniently and effectively. OCB OMNI allows popular e-wallets to be linked and controlled right in the application, allowing users to easily track status, check transaction history and manage multiple wallets at the same time without having to leave the platform. This is an important step in unifying the digital financial experience.

OCB OMNI strongly applies data technology and artificial intelligence (AI) to care for and enhance customer experience. Photo: Supplier

Liobank Digital Bank – Smart Financial Solution for Gen Z

Particularly for modern young customers, Liobank digital bank has demonstrated its pioneering role in effectively implementing digital solutions, shaping new habits for customers in this segment. Right from its launch, Liobank has left an impression on users through a series of unique transfer operations such as Shake to pay - shake the phone to transfer money, transfer money in response to the person who transferred money without knowing the account number and transfer money to friends who have a Liobank account in the phone book. The granting of credit limits to customers does not depend on traditional data. From there, implementing the experience limit (EduLimit), creating access to credit for customers with no transaction history, helping customers get acquainted with financial products and building a customer behavior scoring system, this is an effective financialeducation model for those who have just entered university or just graduated.

In addition to designing "tailor-made" products suitable for each individual customer segment that is highly appreciated in the market, OCB is also known as one of the "leading" banks in products for businesses through Open API (open application programming interface) to bring a comprehensive financial ecosystem.

At the event, OCB introduced the OCB Smart Merchant digital solution, a platform that integrates all financial tools for business operations on a single interface, helping businesses manage centrally, thereby saving significant time and costs from managing cash flow, orders, revenue, with a variety of payment methods from QR Code, Pay By Link... In addition, the bank also provides a diverse and modern set of payment devices such as POSM QRcode, QR POS, Smart POS, POS... especially the QR Soundbox payment device that immediately notifies when the transaction is successful, including the amount and payment method, suitable for both small stores and large-scale retail chains.

OCB Smart Merchant - smart and modern sales and payment management solution. Photo: Supplier

Not only stopping at payment activities, OCB Smart Merchant also integrates in-depth financial management tools such as real-time cash flow tracking, business performance analysis, order management, revenue, costs... These tools support sellers to make decisions faster and more accurately. In particular, the platform also supports multi-branch cash flow management, allowing business owners to share balance fluctuation information with branch staff/managers, or allow custom access rights, ensuring revenue security for each business area. Integrating payment solutions on the same platform helps businesses automate the reconciliation, refund, payment confirmation and debt clearance processes, reducing manual processing time by up to 97%.

In the next phase, OCB Smart Merchant will deploy the integration of electronic invoices generated from cash registers connected to transfer data to tax authorities, ensuring complete reporting, accurate tax calculation and more convenient tax payment support. To date, OCB is one of the leading units providing solutions for issuing electronic invoices directly on the sales management platform. This is extremely important, helping businesses with revenue of 1 billion VND/year or more to easily comply with the new regulations in Decree 70/2025/ND-CP without any additional complicated operations.

“At OCB, we strongly apply Big Data not only in unsecured lending activities but also in many other operations. A typical example is the OCB Smart Merchant platform. The core of this digital solution is the "All-in-one" feature - all seller data is scientifically centralized. In particular, the application of big data and AI technology helps us better understand their financial picture, cash flow, as well as their actual capital needs. From there, OCB can offer "tailor-made" financial solutions, including unsecured loans, quickly, accurately, to the right person, at the right time and most importantly, minimize risks." Mr. Pham Hong Hai, General Director of OCB shared at the event.

It is known that in the near future, with the OCB Smart Merchant product, the bank will continue to develop more specialized and personalized financial solutions. For example, flexible capital advances for sellers based on actual cash flow or implementing a buy-now-pay-later (BNPL) model right on the seller's own sales platform. These solutions not only help sellers optimize cash flow and accelerate business, but also contribute to building a closed financial ecosystem between sellers and buyers. In particular, this digital solution can also be integrated with a knowledge library feature, where users can access and update knowledge about operations, marketing, finance, etc. This feature is specially designed to interact through AI Chatbot, helping businesses quickly search for information and receive advice according to their needs.

OCB's digital products received great attention from customers at the event. Photo: Supplier

Through this event, the above digital products brought special technology experiences to each visitor and demonstrated OCB's strong commitment to the digital transformation journey, bringing optimal benefits to customers.

“We do not simply provide separate products, but OCB has been bringing a complete and comprehensive digital financial ecosystem to individual and corporate customers. We expect that with the strong transformation of the Vietnamese banking industry opening a new era, where digital transformation is considered the key to writing success stories, comprehensive financial platforms like this will be a strong difference for OCB in the market,” Mr. Pham Hong Hai added.

Viet Nguyen

Source: https://congthuong.vn/giai-phap-tai-chinh-so-ocb-noi-bat-tai-su-kien-chuyen-doi-so-nganh-ngan-hang-2025-390003.html