📋 Tender Overview
Artificial intelligence (AI) is changing the appearance of the Vietnamese banking industry, from the senior leadership strategy to the way of communication, management and customer service. AI application not only helps improve efficiency, but also expands the chances of comprehensive financial access. PhD. Nguyen Quoc Hung, Vice Chairman and General Secretary of the Vietnam Banking Association shared information at the seminar - Photo: VGP/HTAI has become a strategic factor, shaping banking activities at the seminar Application of AI in policy communications, banking products and services organized by the Bank Times, PhD. Nguyen Quoc Hung, Vice Chairman and General Secretary of the Vietnam Banking Association: Who is no longer just a support tool, but has become a strategic factor, capable of reshaping the operating, management and policy communication method of the banking system. The most important thing is that from the Board of Directors, the Executive Board must give a strategy that AI is effective, applied in operation will reduce costs and improve efficiency. There are banks, the Chairman of the Board of Directors and the General Director must be directly into the game, not assigned to the lower level. Big, especially in the field of banking associated with money and customer benefits. If the incident occurs, the consequences can lead to crisis of faith. Therefore, many banks have actively built a multi -layer security system, and considered investment in cybersecurity as an indispensable priority in the implementation process, Mr. Hung noted. A representative of the Vietnam Banking Association said that the legal foundation for AI application has been strengthened. Resolution 57-NQ/TW of the Politburo determines science-technology, innovation and transformation is a strategic breakthrough. Decision 67/QD-NHNN approves the Scheme on the conversion of banking sectors and Decree 94/2025/ND-CP on the bank sandbox to create an important legal corridor to deploy the application of AI safely and oriented. Mr. Hung said that banks need to build an ecosystem soon with the consent of the members, under the connection of the Banking Association. AI and transforming numbers cannot be considered as popular number. Training must be for both practical staff, data managers, and middle and senior leaders. If the leader is not proficient, even unknown, the implementation process will be hindered. Who only becomes a sustainable motivation when there is a strategy of combining technology, people and institutions. From there, Mr. Hung made four recommendations: Building moral framework and AI administration; strengthen cooperation between banks, Fintech and research institutes; prioritize investment in technology - data infrastructure; and develop high quality human resources. At the same time, continue to contribute and complete the policies related to AI, especially in terms of personal data protection and legal responsibilities. Update financial services. AI systems can advise, answer and support customers 24/7, flexibly customizable in regional language and culture. This is a human resource saving solution, and improving the effectiveness of approach. Everyone supports diverse communications of language and images, contributing to the removal of cultural barriers, especially for ethnic minority customers. However, Mr. Trung acknowledged three challenges: Technology infrastructure requires great costs; High quality human resources are limited; And the psychological psychology of customers, especially before the risk of online fraud. To overcome, Agribank has increased investment in infrastructure, data security, building a large data system, focusing on recruiting and training, and launching the Ambassador and Nuclear Ambassador movement to universal skills.With customers, Agribank deploy package utilities on digital platforms, combining communication via social networks and television. In particular, the bank focuses on using the familiar language and image in the locality to help people more accessible. Making strong human resources, Assoc.Prof.Dr. Pham Manh Hung, Deputy Director of the Banking Science Research Institute (Banking Academy), confirmed that`` Conversion of numbers is essentially a human story, not a machine. Who is the tool, and humans must be the subject. Only when combining harmoniously, can bank human resources be able to control AI. Many Vietnamese banks have tested AI in trading data analysis, product suggestions, improving customer experience. But the biggest challenge today is training and re -training of human resources. International lessons show that many banks have set up AI Academy, combined with big universities to train for life. Nguyen Van Hao, the Academy of Journalism and Propaganda shared: In the field of banking, policy communication and products that face many challenges such as fake news, high -tech crimes, similar product competition. AI and multimedia press are considered effective assistants to help solve. Who analyzed Big Data, personalized information, automatically produced content, supported chatbot 24/7, supervised social networks to detect risks. Parallel, multimedia press with videos, podcast, infographic makes the message easy to spread, attractive to the younger generation. AI combination and multimedia help the bank to accelerate the media, increase reliability, expand customer reach and effectively manage crisis. However, there is still a concern about the journalistic identity when the content is created by AI is at risk of lack of creativity and easy to repeat. Therefore, AI should be a support tool, not replacing people. International newsrooms such as AP, BBC or The Washington Post have proved the effect when combining with AI with the control of the journalist.
