📋 Tender Overview
In the era of data and AI, Governor of the State Bank (SBV) Pham Duc An requires the banking industry to innovate strongly and with focus, taking substantive efficiency as a measure and ensuring safety for customers. Download Governor of the State Bank of Vietnam Pham Duc An spoke at the event - Photo: chinphu.vnBanking digital transformation must create real, safe value On August 18 in Hanoi, the State Bank of Vietnam organized the event Digital transformation of the banking industry in 2026 with the theme Smart banking in the era of data and AI, the message Data leads the way, AI accompanies, banks create ecosystems Speaking at the event, SBV Governor Pham Duc An emphasized that digital transformation of the banking industry takes place in the context of the economy entering a new stage of development, requiring improved productivity, quality, competitiveness and autonomy. Therefore, digital transformation must be associated with science, technology, innovation, towards specific products, real efficiency and creating value for people, businesses and the economy. After 5 years, digital transformation in the banking industry has achieved many positive results. Institutions for digital banking activities are gradually improved; Investment in payment infrastructure and digital infrastructure; Connect to ever-expanding national databases. Currently, nearly 89% of people aged 15 and older have payment accounts. The value of non-cash payments in 2025 will exceed 28 times GDP; The number of transactions has increased on average by about 59% per year over the past 5 years, with transactions via QR codes alone increasing by over 100% per year. Exploiting population data, electronic identification, and authentication, warning and fraud prevention solutions have contributed to improving the efficiency of online service provision and customer protection. However, Governor Pham Duc An believes that this is just the beginning. The deeper the digital transformation, the greater the challenges in institutional, data, cybersecurity, digital fraud, privacy and AI governance. Therefore, the banking industry must innovate strongly but with focus, control risks and use real efficiency as a measure. The Governor requested the entire industry to focus on perfecting the legal framework, especially with AI, data and open banking; Upgrade digital infrastructure, modernize payment system; Build a unified data architecture, improve data quality in the direction of correct, sufficient, clean, live and promote connection with national databases. In particular, AI must be applied substantively and responsibly, focusing on data analysis, risk management, fraud detection, process optimization, customer care and product development. Each AI application must clarify the problem to be solved, how value is created and risks are controlled, while ensuring accountability, data protection and customer rights. Download SHB is a bank that actively implements digital transformation, accompanying the development of the digital economy. Digital security, safety and trust must be placed at the center. The banking industry needs to shift from incident response to proactive prevention early, from afar, strengthening network security, data security and fraud prevention against increasingly sophisticated tricks using AI and Deepfake. Do not trade off safety, privacy and user trust for growth in digital transformation, the Governor emphasized. Digital transformation must also directly serve people, businesses and promote financial inclusion. The banking industry needs to exploit data to innovate customer assessment, credit management, and develop products suitable for small and medium-sized enterprises, business households, cooperatives, workers and rural areas; At the same time, care for the elderly, the vulnerable and people in remote areas. Governor Pham Duc An emphasized: Each task must have clear goals, clear products, clear people responsible, clear resources, clear deadlines and measurable targets. Digital transformation cannot be spread out or followed by trends, but must be evaluated by the problems solved and the actual value created. Download Mr. Nguyen Anh Tuan, Deputy General Director cum Director of Retail Banking & Premium Banking Techcombank - Photo: chinphu.vnCorporate banks actively deploy solutions From the perspective of commercial banks, Mr. Nguyen Anh Tuan, Deputy General Director cum Director of Retail Banking & Premium Banking Techcombank said: The topic Digital transformation of the banking industry in 2026 reflects the trend of data and AI reshaping operations. actions of financial institutions. For Techcombank, data and AI are core competencies to help understand customers, provide appropriate solutions and improve financial experiences for individuals, businesses and business households. According to Mr. Nguyen Anh Tuan, data and AI only truly create value when helping people and businesses access more convenient, smarter and more suitable financial solutions. This is also the basis for Techcombank to gradually implement the AI-first strategy, making data and AI the driving force to serve customers and build a connected, transparent and comprehensive digital financial ecosystem. Download TPBank representative emphasized the need to combine AI, Big Data and real-time analysisdetect unusual behaviors - Photo: chinphu.vn Emphasizing the risk management factor, Mr. Nguyen Hung, General Director of TPBank said: The bank deploys AI on many operational fronts, especially in risk management and early warning. The combination of AI, Big Data and real-time analytics helps detect unusual behaviors. When an account suddenly changes the login device and transfers a large amount of money to an unfamiliar account, the system can activate a smart stop, combining biometric authentication and creating time for customers to check transactions. TPBank also connects data with the SIMO system and the warning list of Department A05
