TPBank - the intelligent bank that understands you to enhance your digital life

TPBank transforms from a digital bank to an intellectual bank - where modern technology connects hearts to serve users in the most unique way.

Intelligent Bank is a banking model that applies artificial intelligence (AI) and smart technologies such as big data, RPA, chatbots... to operate more efficiently, manage risks better and create personalized experiences for customers.

In the era of deep digitalization, when every service can be done with just one touch, users are not only looking for a "faster" bank but also a bank that understands them better. TPBank 's digital banking journey is not just about providing many features, but also about becoming an intelligent bank with an AI-powered financial ecosystem, attached to every moment of life, every small habit and every individual need of customers.

With a different technological mindset, TPBank does not wait for users to have new needs to meet them, but always goes one step ahead from potential needs, even 6 or 7 years ahead of the times, before technological features become a trend. Products such as LiveBank 24/7, or more recently the Paste to Pay feature on the TPBank App are typical examples when TPBank deployed them very early, operated stably, and became a symbol in the digital finance sector. But it was not until recently that a few other banks began to appear providing similar technologies.

With a sophisticated combination of modern technology and human intuition, TPBank constantly develops products that bear the mark of an intelligent bank - where technology is not only smart but also easy to use, close, deeply personalized and emotionally connected to users like a companion that understands you from thought to action.

Banking as easy as a conversation

No stranger to digital banking users, TPBank's ChatPay is one of the leading features in personalizing financial experiences with technology. Developed from the popular habit of chatting via messaging apps, ChatPay allows users to make money transfers as if in a conversation.

Transactions happen naturally as part of the conversation, where users just need to enter the amount, transfer content, click send to complete the transfer, without having to re-enter information continuously, without leaving the interactive thread. The system automatically records the recipient, suggests content and even allows users to give each person a memorable name to make the next transaction even faster.

Just like in a chat, where you always see the entire history of previous conversations, ChatPay also displays the full transactions made with each contact. Each time you transfer money, you can easily review the transaction history with the recipient, even summarizing the number of times and the amount transferred - all presented in an intuitive, vivid and close way as if chatting in a familiar messaging application.

Behind that convenience is an integrated system of AI to suggest recipients, context analysis and an interface optimized according to young users' behavior. ChatPay is not only smart, but also deeply "understanding": The application understands that customers want to simplify their finances, without interrupting their digital life experience, especially in everyday moments such as sharing coffee money, transferring money for lunch, or congratulating on special occasions...

With Paste to Pay, TPBank also turns the entire process of transferring money from text messages into a single step: Copy and Paste. Previously, when receiving a message like "Please transfer 2.35 million to BankX 0049xxxxxx, content: Monthly deposit 6", Viet Anh had to memorize the information, switch back and forth between the chat application and the banking application, then manually enter each item - an operation that is prone to errors and time-consuming, especially when the content is unclear. Now, just copy the message and paste it into ChatPay on the TPBank App, the system will automatically analyze and fill in all the transaction information. No errors, no manual entry, completed in just a few seconds.

Paste to Pay is not a technological revolution, but it is an important step forward because it brings comfort to customers - just as TPBank's philosophy once emphasized: "The bank is present at the right time, in the right context, in the most natural way".

"Intellectual Bank" opens a comprehensive digital ecosystem with its own unique mark

ChatPay or Paste to Pay are just "slices" in a larger picture that the intelligent bank TPBank is building: A seamless, personalized, and multi-platform digital banking ecosystem. With more than 98% of transactions currently conducted via digital channels, TPBank has been investing heavily in core technologies such as AI, RPA, Big Data and Cloud, while expanding connectivity through the Open API platform, allowing the integration of financial services into many external systems such as e-commerce, insurance, education , healthcare, etc.

TPBank LiveBank 24/7 system - automatic bank fully supports transactions outside of business hours, creating unprecedented flexibility in customer experience.

TPBank's strategy of "expanding the banking space" is also demonstrated through its presence on familiar platforms such as Zalo mini-app, e-wallet, e-payment gateway... Thanks to that, the bank is no longer a destination but appears at every touchpoint, present where customers live and interact every day.

All these efforts are aimed at realizing the spirit of bringing "Top Convenience - Top Life", when technology not only serves transactions, but also helps customers enjoy life in their own way: More convenient, more proactive and more personal in every interaction with the bank.

"We do not develop technology to 'race', but to integrate into customers' lives in the most natural way. Every utility that TPBank offers comes from listening and understanding, not only to meet needs, but to be one step ahead, bringing financial experiences at the right time, in the right context and according to each person's lifestyle. TPBank aims to build an 'intelligent bank' - where artificial intelligence (AI) and smart technologies are widely applied in banking operations, to improve efficiency, minimize risks and bring better experiences to customers", Mr. Nguyen Hung - General Director of TPBank shared.

That is how this intelligent bank reshapes the relationship between users and banks: Not distant, not overly technical, but close, smart and easy to integrate into digital life. There, the bank is no longer a destination to remember, but a financial companion that helps each customer live fully with a top-notch digital financial system, in their own way.

Source: https://nld.com.vn/tpbank-ngan-hang-tri-tue-hieu-ban-de-nang-tam-cuoc-song-so-196250729171719898.htm