Techcombank is the “Best Digital Bank in Vietnam” for three consecutive years voted by The Digital Banker

The bank was also honored as “Best Retail Bank in Vietnam” and “Best Data Analytics Initiative” at the Global Retail Banking Innovation Awards 2025.

These awards not only reflect Techcombank 's outstanding technological capabilities but also demonstrate its strategic vision and ability to lead the bank's digital transformation journey.

Techcombank has been honored by The Digital Banker as “Best Digital Bank in Vietnam” for three consecutive years.

The Global Retail Banking Innovation Awards is the region's most prestigious award, judged by an independent panel of experts from PwC, EY, Forrester, Mercer and international financial institutions. Being continuously honored at this award demonstrates Techcombank's steadfastness in its digital transformation strategy, developing breakthrough products and enhancing customer experience.

The year 2025 marks a strong development step for Techcombank when continuously introducing new products, platforms and experiences, contributing to the completion of the digital financial ecosystem. The prominent start is Automatic Profit 2.0, an upgraded version of a widely trusted solution that allows real-time optimization of idle cash flow. Thanks to its "smart operation" capability, Automatic Profit 2.0 has quickly become one of the most attractive solutions in the market, reflecting the increasing demand of customers for flexible, effective and convenient financial solutions.

Another hallmark of Techcombank is the strong development of the Techcombank Rewards points program, which has now become one of the largest loyalty customer ecosystems in Vietnam with more than 10 million members and a network of up to 19,000 points. From shopping, traveling to lifestyle services, customers can quickly convert points or enjoy direct incentives, creating a seamless experience and adding outstanding value.

Techcombank representative received the award for "Best Data Analysis Initiative"

2025 also witnessed the maturity of the Friend Banking and Family Banking ecosystems - two solutions designed to support customers in managing group finances. From managing shared expenses to enjoying collective incentives, as well as accompanying each other to achieve financial goals, Friend & Family Banking creates a modern financial management model, suitable for the connected lifestyle trend of young groups, young families and communities using digital banking services.

In parallel with product innovation, Techcombank continues to invest heavily in data platforms and artificial intelligence (AI) to enhance services and customer experiences in an increasingly personalized manner on a large scale. Techcombank's "data brain" is currently capable of collecting and organizing up to 8 billion data points per day, with nearly 8,000 characteristics for each customer. This superior analytical capability helps Techcombank build more effective loan appraisal models, significantly shortening approval times. While previously new customers could wait up to six months, many loans are now approved in just a few days. This not only expands access to credit but also improves operational efficiency and service quality.

In 2024 alone, Techcombank sent more than 1.2 billion personalized messages to customers via its mobile app and other digital channels. This impressive figure reflects the ability to operate data at an extremely large scale, while affirming the orientation of developing superior digital customer experiences, based on deep understanding of individual needs and behaviors.

Techcombank also continues to record breakthrough growth on digital channels, with more than 90% of customer transactions taking place on digital platforms, reaching nearly 9 million billion VND in just the first 9 months of 2025. This is one of the highest transaction digitization rates in the market, affirming the strength of Techcombank Mobile and the outstanding experience that the bank brings to customers.

The boom in digital transactions not only demonstrates the trust of users, but also reflects Techcombank’s consistent investment strategy in technology infrastructure, security, scalability and user experience design. This helps customers transact faster, safer, anytime - anywhere, while creating a solid foundation for the bank to deploy personalization initiatives at scale.

One of the strategies that Techcombank has prioritized to invest in and promote in recent years is the application of artificial intelligence in personalizing experiences and products - from interface, content to products and incentive programs to continue realizing the vision of 'Customer-centric'. With advanced data analysis capabilities and a powerful AI system, the bank is moving closer to the "Segment-of-One" model, where each customer is served on a separate journey, with the most suitable product at the right time. This is a trend being pursued by the world's leading banks and Techcombank is one of the pioneering banks in Vietnam.

Recently, Techcombank was honored as "Top 5 most valuable Vietnamese brands in the ASEAN 500 ranking", with a Brand value of 1.6 billion USD, Brand Strength Index (BSI) of 83.7 points - in the "very strong" group according to Brand Finance standards.

Notably, TCB was also previously included in the VNSI20 index - the top 20 enterprises with the highest ESG scores in the sustainability index of the Ho Chi Minh City Stock Exchange (HOSE), affirming its strong commitment to sustainable development and excellent corporate governance. With the vision of becoming a bank leading change in the Vietnamese financial ecosystem, Techcombank is gradually contributing to the development of the digital economy, affirming its brand position and continuing to make its mark on the regional banking map.

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