Digitalizing banking services, increasing benefits

The trend of digitalizing banking services is becoming increasingly strong. Banks have proactively welcomed the opportunity, grasped this trend to increase competitive advantage and bring better experiences to customers.

Bank staff guide customers to use new applications on linked platforms

Optimize transaction journey

Banks have been strongly applying digital technology to their operations, thereby providing many safe and convenient products and services to increase benefits for customers. Many banks have proactively cooperated with large technology companies (Bigtech), digital finance companies (Fitech) ... to improve operational efficiency through the application of technology, advanced digital solutions, and cooperation with sales and service units to provide safe and convenient banking and non-banking products and services, deeply integrated into the customer's digital journey.

New technology is also widely applied in core banking operations such as payment, credit, and deposits. Services such as account opening, depositing money, and payment are 100% digitized; the transaction rate on digital channels of many banks reaches more than 90%. For example, the Joint Stock Commercial Bank for Foreign Trade of Vietnam ( Vietcombank ) has a digital banking application Digibank; the Joint Stock Commercial Bank for Industry and Trade of Vietnam (Vietinbank) has built an automatic robot application that talks and interacts with customers; many banks apply artificial intelligence (AI) to support transactions, provide 24/7 customer consultation, open links with e-wallet services, e-commerce platforms, digital transactions of service channels of VNPT, Viettel, etc.

A representative of Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ) shared that the bank is always proactive in providing smart applications with modern technology solutions to create personalized experiences for customers. Accordingly, by applying advanced technology solutions such as AI, Machine Learning on Digital Banking platform systems, VPBank NEO application can personalize the interface and journey of each customer based on spending and usage habits, promotional programs based on customer segmentation and location, automatically suggesting answers to questions and service support based on topics that customers are interested in. To date, nearly 98% of VPBank's transactions have been used in the form of self-implementation.

The leader of Vietnam Technological and Commercial Joint Stock Bank (Techcombank) shared that the bank is continuously diversifying its products on digital platforms, applying data analysis capabilities to the digitalization journey to provide unique solutions and personalized experiences for customers. In the period of 2021-2025, Techcombank will invest in building a large platform, including large data warehouses and data analysis capabilities, as well as investing in new digital platforms for corporate and individual customers. Meanwhile, a representative of the Military Commercial Joint Stock Bank (MB) said that the bank has changed the entire interface in the direction of improving customer experience and minimizing operations...

Banks “closer” to customers

Providing applications introduced by banks is very simple, easy to access on smart devices, data security... Mr. Vo Thanh Tan, a customer of VPBank in Thu Dau Mot City, said that using VPBank NEO application helps him have a seamless experience. All spending and transaction needs are personalized, bringing convenience and modernity, helping him transact more easily. Every month, services such as electricity, water, telecommunications, and tuition fees are paid automatically when there is money in the account. In addition, he can book plane tickets, trains, and hotel rooms very conveniently when traveling.

Ms. Nguyen Thi Thanh Tra, a customer who has experienced Techcombank's money transfer features via Messenger, shared: "I often transfer money to sellers when buying on Facebook via Messenger. Previously, every time I transferred money, I had to copy, open the application, paste and check again or save the QR code to scan. Now, I only need one touch to open Techcombank Mobile with full information, very convenient and time-saving, avoiding confusion and errors."

Mr. Tran Thanh Hoai, Director of Digital Banking Solutions Development at Techcombank's retail banking division, said that customers today use multiple platforms to communicate, work and connect. Integrating banking services into familiar platforms such as Messenger not only brings convenience and a seamless experience, but also demonstrates the bank's commitment to bringing banking services closer to customers' daily lives, anytime, anywhere. According to Mr. Tran Thanh Hoai, although integrated from an external platform, the entire transaction processing and authentication process is still performed directly on Techcombank Mobile, ensuring absolute safety for customers' information and assets. The feature is currently operating for individual users using the latest version of Techcombank Mobile application, applicable to internal and interbank transactions with account number notifications.

To develop digital banking effectively and comprehensively, banks are continuing to focus on developing solutions to create digital ecosystems, bringing advantages and new experiences to help reach more customers, understand customers better and provide more interesting experiences. This is also a mandatory trend to enhance the competitiveness of banks in the coming time.

THANH HONG

Source: https://baobinhduong.vn/so-hoa-dich-vu-ngan-hang-gia-tang-loi-ich-a349116.html