📋 Tender Overview
Digital transformation in the banking industry is entering a new phase, when the focus is no longer on bringing services to the online environment but shifting to exploiting data and artificial intelligence (AI) to change the way banks understand customers, make decisions and create value. This is also the approach that Orient Bank (OCB) is pursuing. Download OCB leadership representative introduces digital products at the 2026 Banking Industry Digital Transformation event - Photo: chinphu.vn/LTAt the 2026 Banking Industry Digital Transformation event, OCB emphasizes the principle of Business First - Technology Second, in which technology is not the destination but a means to solve specific business problems, improve customer experience and operational efficiency. Each AI initiative is placed in relation to a real need, value delivered and the ability to measure effectiveness. OCB takes AI from a stand-alone solution to a core operational capability. Instead of deploying AI as independent technology projects, OCB aims to integrate this capability throughout the banking value chain. The roadmap is built step by step, starting from consolidating the data foundation, perfecting the governance framework, then expanding the application of AI to business activities, operations and risk management. In particular, data is identified as the foundation of this strategy. OCB shifts from viewing data as a source of information arising in operational systems to viewing it as a strategic asset of the organization. The bank builds a data management model with the participation of both the technology sector and business units, clearly defining the responsibilities of Data Owner, Data Steward and data user units; At the same time, manage data throughout the life cycle, from collection, standardization, storage, exploitation to protection. Another problem that OCB focuses on solving is the situation of data and resources being separated between units. The bank is promoting a cross-functional collaboration model where business, technology and data experts are involved from requirements identification, solution development to post-implementation evaluation. This approach aims to break down data silos (isolated data warehouses) and coordination barriers, while creating conditions for effective models to be replicated across the organization. On that foundation, OCB is gradually shifting from a product-centric model to a customer-centric model. Transactional, behavioral and interaction data are connected to form a more comprehensive view of customers, thereby helping banks identify needs, predict behavior and make more suitable recommendations. The long-term goal is not only personalization at the segment level but also the ability to serve closer to each customers needs. These orientations are being gradually transformed by OCB into actual products and experiences. In particular, LinkLine is a typical example of how AI and data are incorporated directly into credit product design, while shortening the customer service journey. This is also a solution introduced by OCB at the 2026 Banking Industry Digital Transformation event. Download OCB Linkline - the latest financial solution introduced by OCB at the event - Photo: chinphu.vn/LTOCB LinkLine: Breakthrough interconnected credit thanks to AI and Big Data Instead of letting customers choose, register and carry out a separate process for each credit product, LinkLine uses multidimensional data to analyze financial capacity and behavior. of each customer, thereby recommending appropriate limits. AI is included right in the appraisal stage, helping the evaluation and decision-making process to be done on a data basis instead of depending entirely on manual processing steps. Not only shortening the appraisal stage, LinkLine also redesigns the entire journey after the customer is granted a limit. With just one registration, customers can access a connected credit limit and proactively choose the appropriate form of use, from credit cards, unsecured loans to overdraft loans. When the need arises, customers do not have to restart a separate credit process for each product but can activate and use within the approved limit. On the OCB OMNI app, all limits and usage are centrally tracked, helping customers proactively allocate resources according to each need and time. This design not only simplifies operations but also reduces the number of times customers have to provide information, complete applications and wait for processing, thereby shortening the journey to access credit and creating a more seamless experience. The notable point is that technology here is not just used to make an existing process faster. Data and AI were used to redesign the process from the ground up, moving from product-specific credit to a line capable of meeting a variety of financial needs. According to the plan, OCB LinkLine is expected to deploy from the fourth quarter of 2026, targeting about 350,000 customers with a total outstanding debt of about VND 6,000 billion. Besides this product, OCBs data and AI application orientation is also being demonstrated on many solutions.for individual and business customers. Liobank applies Big Data, Machine Learning and behavioral scoring in credit activities; Open Banking connects banking services with business management systems through thousands of flexible APIs; while the Smart Merchant digital payment solution focuses on managing order data, revenue, costs and cash flow, aiming to enhance the application of AI in analyzing customer behavior. The common point of these initiatives is that the technology is not deployed as an independent feature layer, but is attached to each specific problem of customers and banking activities. From data to understand customers, AI to improve decision quality to technology to shorten and redesign service journeys, OCB is gradually moving from digitizing processes to redesigning products and experiences based on
