📋 Tender Overview
MSB is shifting from digital banking to AI banking, bringing data and artificial intelligence into credit, risk management, operations and customer experience, in which M-Triple allows access to 3 solutions with just one registration. Download Mr. Vu Ngoc Bong Lai - Director of MSB Strategy and Innovation Division presented to the Governor of the State Bank about the M-Triple solution Bringing data and AI into core problems On August 18 and 19, the 2026 Banking Industry Digital Transformation Event organized by the State Bank marked 5 years of implementing the Banking Industry Digital Transformation Plan to 2025, with an orientation to 2030, and at the same time opened new phase with an increasingly clear focus on data and artificial intelligence (AI). With Vietnam Maritime Commercial Joint Stock Bank (MSB), digital transformation is not only digitizing processes and services but also creating a foundation for developing data and AI capabilities. On the established digital platform, MSB brings data, AI and Machine Learning into core problems such as credit scoring, decision support, risk management and process automation. The bank develops the Lakehouse data platform, connecting CIC data with customer behavioral data, thereby increasing the ability to analyze and exploit data for business. In 2026, MSB continues to move from digital transformation to AI transformation throughout the system. The bank cooperates with GreenNode to deploy Hybrid AI Cloud infrastructure and build AI Enterprise Platform, aiming to standardize the development, management and expansion of AI applications. MSB aims to raise the AI maturity level from 2.0 to 4.0 according to the Gartner scale by 2028. Download Delegates and customers visit and experience solutions at the MSB booth. It is worth noting that MSB focuses AI on specific problems, with measurable effectiveness. AI Agent Gamma is supporting nearly 4,000 sales staff, handling about 20,000 questions per month, contributing to increasing sales productivity by up to 20%. AI Voicebot Agent is applied in telephone sales, debt collection and customer care, handling more than 100,000 interactions per month. The conversion rate of sales leads via telesale increased by 15%, while the conversion rate of debt collection activities reached 45%. MSB also gradually introduced AI into international payments, checking disbursement records, guarantee records and managing internal service requests, thereby improving operational efficiency. Along with that, the bank continued to perfect digital touch points through MSB Digital Bank, MSB Business Banking and the new generation branch model Flagship Advisory Hub, creating a foundation. so that data and AI are more deeply integrated into the customer journey. Download The entire M-Triple experience journey is done online, with a registration time of less than 5 minutes. Instead of registering for each product, customers can simultaneously access three solutions including credit cards, unsecured loans and overdrafts with just one registration on MSB Digital Bank. The entire journey is done online, with registration time under 5 minutes. Integrating three solutions helps reduce the number of steps, while allowing customers to proactively choose products and limits that suit their needs and financial capabilities. To make appropriate recommendations, MSB analyzes many groups of data such as transaction history, product usage behavior and customer relationship history with the bank. Data and AI models support information evaluation, need identification and serve risk management in the product supply process. After 3 months of launch, 380,000 customers have approached M-Triple, with a total approved limit of over VND 13,000 billion. The entire journey is done online. This result shows that data and AI can be applied directly to the credit journey, from analyzing information to proposing solutions, while helping customers proactively choose suitable products. Mr. Vu Ngoc Bong Lai, Director of MSB Strategy and Innovation Division, said: Digital banking in the future will not only stop at bringing many services to the digital environment but also need the ability to understand each customer segment, thereby offering solutions. According to Mr. Lai, M-Triple is a step forward in this direction when data and AI are applied to bring many financial solutions to customers in a simple process, while aiming to meet the exact needs of customers. M-Triple is a step forward in that direction, when data and AI are applied to bring many financial solutions to customers in a simple process while still touching the right customer needs, Mr. Vu Ngoc Bong Lai shared. Mr. Minh Tham Tham See moreGreenNode and MSB cooperate to put AI into operation on a bank-wide scale. See moreThe Governor of the State Bank of Vietnam sets out tasks for banks in the AI era. See moreConclusion of Prime Minister Le Minh Hung at the meeting with the State Bank of Vietnam and the system of credit institutions. See more. Many banks reduce interest rates and support businesses in accessing capital. See more. Amend 3 laws in the banking sector.Goods: Protect customers, ensure healthy competition in the financial market
