For example, with the new version of OCB OMNI digital bank launched in May 2024, this platform has set a new standard in the digital banking sector in Vietnam in terms of speed and convenience.
Compared to other banks' digital banking applications on the system, OCB OMNI has a strong difference that creates success in conquering users: all services on OCB OMNI are designed based on understanding needs and applying modern technology to bring convenience and personalized experiences to each customer.
By analyzing behavior and needs in real time, OCB OMNI is able to proactively serve customers through automatic suggestions (tips) according to the journey, recommending features, products and services at the right time when customers have appropriate interactions, as well as applying direct online incentives such as interest rates, discount vouchers... In addition, the platform is also flexible in terms of interface, pre-initializing information in previous interactions and personalizing touch points to bring simplicity and shorten operation time.
In particular, OCB OMNI has successfully established a digital ecosystem with more than 200 utilities in just one platform. In addition to the basic features, this digital bank has different services for segments such as: smart bill group payment for households, transaction assistant service (hands-free) for priority customers or comprehensive tuition payment solutions for major universities. In addition, the application also combines with more than 6,000 retail stores with a variety of services providing discount privileges exclusively for customers paying via OCB OMNI - an important step in unifying the digital financial experience.
At the same time, OCB OMNI also strongly applies technology to enhance online transaction security by using FIDO authentication method with encryption algorithm combined with biometrics, multi-layer security to sign each transaction. This method is considered the safest today and uses artificial intelligence (AI) technology in customer care and experience enhancement such as AI Chat Bot, Marketing Automation.
By pioneering the application of advanced technologies and focusing on optimizing customer experience, OCB OMNI digital bank has achieved impressive results. Specifically, transaction processing time on OCB OMNI is only about 1 to 2 seconds, 3 times better than the old version. In addition, digital processes (such as opening eKYC accounts, international money transfers, opening credit cards, etc.) are all automated to help reduce operating costs. Thereby, revenue from digital banking services in 2024 increased by 21% compared to the previous year, the proportion of revenue from digital banking in 2024 accounted for more than 12% of total service revenue, an increase of 7% compared to 2023. Not only that, OCB also achieved certain successes in terms of the number of users. Accordingly, the number of new accounts opened through digital banking channels in 2024 will reach more than 50,000 accounts per month, accounting for more than 80% of the total number of new accounts; The rate of active users also increased by nearly 10% compared to the previous year thanks to (products and services that quickly meet customer needs, customer retention programs, improved experiences, etc.). The application is also highly appreciated by customers for factors such as (transaction speed, user-friendly interface, high security, etc.).
In addition to launching the new version of OCB OMNI digital bank, in recent years, OCB has also continuously introduced superior financial products, tailored to the needs of each customer segment such as digital bank for young people - Liobank, OCB Smart Merchant platform - Comprehensive smart payment and sales management solution, designed specifically for merchants, small and medium enterprises (SMEs). In particular, OCB is also one of the pioneering banks to deploy the Open Banking model. The bank has built and operated a system of more than 200 Open APIs, processing an average of over 6 million transactions per month.
OCB continuously introduces superior financial products, tailored to the needs of each customer segment.
By the end of 2024, the number of customers connecting Open API with OCB increased nearly 2.5 times compared to the previous year, the number of new partners also increased nearly double the total accumulated in previous years. This result contributed to increasing the average demand deposit ratio (CASA) of partners using Open API at OCB to over 30%.
OCB aims to increase the number of corporate customers using Open API solutions by 200% by 2025. According to the bank representative, this is an important foundation to continue developing modern financial services, optimizing costs and improving experiences, especially for corporate 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. At the same time, OCB being honored in the category of Fastest Growing Digital Bank in Vietnam 2025 as announced by Global Banking and Finance Review has shown the bank's efforts in building a modern and innovative financial institution, while affirming its role as one of the leading banks in digital transformation in Vietnam today", the representative of OCB's leadership shared more.
Global Banking & Finance Awards (GBAF) is a prestigious annual awards system, aiming to honor financial institutions with outstanding contributions in the field of innovation, operational efficiency and positive impact on the global financial market. The awards are voted by a team of economic experts, with the participation of major financial institutions in many countries, ensuring objectivity and multi-dimensionality in the evaluation. With nearly 10 million visits per year and more than 2 million global readers, GBAF is recognized as one of the most reliable and transparent award systems, with profound influence in the international financial and banking community.
Source: https://ocb.com.vn/vi/tin-tuc-su-kien/tin-tuc/ocb-dat-giai-ngan-hang-so-tang-truong-nhanh-nhat-viet-nam-2025
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