MSB and the journey of data mastery

(Dan Tri) - In the digital age, speed and understanding are key factors. The ability to effectively exploit and analyze data helps Maritime Bank (MSB) understand customer behavior in real time.

Data is both a resource and a core foundation that creates a smooth, differentiated and personalized financial experience, supporting MSB to make business decisions faster and more effectively.

By 2025, MSB will complete the deployment and put into use the entire suite of IBM's leading modern centralized big data platforms including Watsonx.Data, Watsonx.AI and Cloud Pak for Data.

This strategic investment affirms that MSB is ready for the revolution of turning data into deep customer understanding, thereby pioneering the creation of personalized financial solutions at high speed, blurring the gap between traditional banking services and modern customer expectations.

In addition, the technology platform MSB is using is designed according to advanced security standards, ensuring information security and comprehensive protection of customer data.

For MSB, understanding is the core of digital transformation (Photo: MSB)

The bank has built a unified data infrastructure, ensuring that all banking activities take place quickly and accurately. Typically, the deployment of IBM Watsonx.Data is a breakthrough step, effectively combining the flexibility and cost optimization of Data Lake with the high-performance querying and good governance of Data Warehouse.

With this platform, MSB can simultaneously process data of different levels of complexity, from traditional structured data to semi-structured, unstructured, vector data or artificial intelligence application data...

Data is no longer isolated in separate systems but is centralized on a unified platform, allowing banks to exploit it immediately and comprehensively.

Not just stopping at storage or processing, MSB also integrates Watsonx.AI - an advanced artificial intelligence platform with large language models optimized specifically for the financial industry.

As a result, data becomes a “living asset” that helps MSB analyze, predict, and promote automation in business operations. The combination of high-speed processing capabilities and AI capabilities creates a cycle of “understanding customer behavior” with high accuracy and almost no delay.

To effectively manage the entire data lifecycle, from collection, preparation, integration to analysis, MSB also put into operation IBM Cloud Pak for Data, helping MSB optimize costs by flexibly storing data on both on-premises and cloud infrastructure, while ensuring strict compliance with privacy and data quality policies.

Through the Data Virtualization feature, MSB can access all historical data scattered across dozens of different systems without creating physical copies, thereby optimizing resources and increasing the speed of information exploitation.

Mr. Nguyen Quoc Khanh - Director of MSB Technology Division - shared: "Up to now, MSB no longer depends on discrete reports or manual analysis.

Instead, banks can quickly convert raw data into standardized information blocks, ready to integrate into smart applications, analytics systems or AI models to serve business operations and real-time decision making.”

Data is the foundation for MSB to create personalized financial solutions at high speed (Photo: MSB)

The new data infrastructure is the foundation for a series of projects that MSB successfully implemented last year. A typical example is Martech - a multi-channel marketing and data analysis platform, allowing the bank to understand customers at every touchpoint and proactively suggest products and services at the right time, to the right person, and to the right needs.

Data becomes the bridge for banks to deeply interact and bring personalized value, creating surprise, delight and making customers feel understood and appreciated.

MSB has turned data into a tool to shorten time, enhance experience and expand service accessibility (Photo: MSB)

Data-driven insights also help MSB shape digital financial products with clear value. Notably, M-Flex, an online mortgage loan solution of up to VND 15 billion with an approval process in just 4 working hours.

The entire process from registration to disbursement is done online, bringing speed and initiative to corporate customers. This is a testament to how MSB turns data into a tool to shorten time, enhance experience and expand service accessibility.

MSB not only builds a modern technology system, but also lays the foundation for deep customer understanding. When data becomes the "common language", MSB can communicate with users based on understanding and value, instead of just relying on processes or products.

The bank also prioritizes information security in all its operations. All transactions and customer data are protected, strictly complying with international information security standards, reinforcing strong trust in a safe - transparent - sustainable digital bank.

Source: https://dantri.com.vn/kinh-doanh/msb-va-hanh-trinh-lam-chu-du-lieu-20251106110134290.htm