Cognitive Banking Evolution: Why Experience Matters When Everything Claims to Be AI
It’s a bit like opening your LinkedIn timeline now. Every post reads the same. Someone’s AI platform just revolutionized banking. Someone else’s banking software just became AI-native. The language is almost interchangeable: modern stack, pre-trained models, faster implementation, industry-leading accuracy. nnScroll long enough and you start wondering if everyone attended the same webinar on “How to Position Your Product […]
The Engagement Plateau: What Happens After You’ve Digitized Everything
Banks spent the last decade winning the digitization race. BRAC Bank now opens 77% of new accounts via eKYC. Vietnam’s banking sector processes over 90% of transactions through digital channels. Apps work. Chatbots respond. Onboarding takes minutes instead of days. nnYet when you ask banking executives what keeps them up at night, you hear a different […]
Chatbots to Conversation: Why Banking AI Must Understand Context, Not Just Commands
Banks today talk to their customers more than ever before. But are customers being heard?nnMobile apps, chat interfaces, contact centers, branches, and messaging platforms have dramatically increased interaction frequency. According to Accenture’s 2025 Global Banking Consumer Study, over 75% of retail banking customers now use digital channels as their primary mode of interaction¹.nnYet despite this […]
The Rise of Digital Payments and Mobile Wallets in Vietnam
Vietnam is witnessing one of the fastest digital payment transformations in Southeast Asia. The digital payment market is now worth over USD 40 billion in 2025, powered by soaring smartphone use and a population that embraces mobile-first experiences. With super apps like MoMo and ZaloPay competing alongside banks such as Vietin Bank, the country is […]
Open Finance: The Next Leap in Customer-Centric Banking
84% of banking customers say they’d switch to a bank that offers timely, relevant financial advice rather than basic transactions. This shift signals a clear truth; access alone is no longer enough. Customers want context, insight, and value.nnImagine a customer checking their balance and instantly seeing savings insights, investment options, or insurance reminders, all personalised […]
Digital Banking Solutions in Vietnam: Designing Seamless CX with AI
A late-evening message from a customer in Hoi An: “Why does my bank app ask me to verify by branch when I’m nowhere near one?” nn Moments like this are pushing Vietnam’s banks to rethink how every digital touchpoint, mobile, app, call centre, or branch must feel like one continuous journey. With AI entering centre stage, the […]
Did 2025 Mark a Turning Point for Retail Banking?
Vietnam’s banking sector is undergoing a massive transformation in 2025. Digital banking revenue is set to hit US$3.8 billion this year, while mobile payment transactions continue growing at 100%+ annually. Here’s what’s really driving the change and why it matters for banks and fintech operating in this market.n 1. AI-Powered Digital Banking Services Go Mainstream […]
Vietnam just Cracked the Digital Banking Code (ASEAN is taking notes)
Here’s something that might surprise you:nnVietnam captured about 5.5 billion cashless transactions in Q1 2025. Alongside regional leaders like Singapore and Thailand, Vietnam has transformed its banking sector into a digital-first powerhouse.n The Mobile Money Boom nVietnam’s banking transformation is happening faster than anyone expected. The country has some serious advantages working in its favour. […]
The Road Ahead for Indian Banks in a Carbon-Conscious Era
Sustainability is moving from the sidelines to the centre of banking strategy.nnWhat once sat in the margins of ESG reports is moving to the centre of credit risk: the carbon profile of borrowers.nnFor Indian banks, this shift is becoming a boardroom priority.nnWith the government greenlighting voluntary carbon-offset trading under the newly minted Carbon Credit Trading […]
Vietnam’s Fintech Sandbox: Testing the Future of Digital Finance
Vietnam’s financial landscape is sprinting ahead, and the State Bank of Vietnam’s (SBV) fintech sandbox launched this July is a game-changer. Spanning until 2027, it creates a vital runway for innovation in digital lending, open banking, credit scoring, and more.n Why a Sandbox, and Why Now? nVietnam’s fintech sector has doubled transaction volumes in the […]