aseanbanking.com

Ryan Nguyen

Banking technology advisor for Vietnam and Southeast Asia.

17 years in technology, 6 years on bank digital transformation, inside banks and advising them. Former Engineering Director at Techcombank, former Technology Consultant at McKinsey & Company and Engineering Manager at National Australia Bank.

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Vietnam bank technology landscape

Filter banks by capability or vendor →See each bank's stack, or which banks use which vendor for a capability.
Channelscustomer and staff touchpoints
Digital
Retail app & web
  • Backbase 4
  • Temenos 2
+2 more
Corporate / SME app & web
  • Backbase 3
  • Intellect Design (iGTB) 2
  • Temenos 2
+1 more
Chatbot / virtual assistant
  • FPT.AI 3
+1 more · In‑house 12
Branch & self-service
Branch teller & seller
In‑house 16
Kiosk / smart queue
1 vendor, 1 bank · Not public 15
ATM / CDM / POS
1 vendor, 1 bank · Not public 15
Contact centre
Voice / IVR
  • Cisco 2
+3 more · In‑house 13
Live chat
Fragmented: 2 vendors, 1 bank · In‑house 15
Staff touchpoints
CRM / RM workbench
  • Salesforce 2
+2 more
Employee portal
Fragmented: 2 vendors, 2 banks · In‑house 14
Advisory tools
1 vendor, 1 bank · In‑house 15
Partners
Open banking / developer portal
Fragmented: 2 vendors, 2 banks · In‑house 14
Host-to-host
1 vendor, 1 bank · In‑house 15
Integrationhow channels reach downstream systems
API management / ESB
Fragmented: 2 vendors, 2 banks
Event streaming
1 vendor, 1 bank · In‑house 15
File & batch
1 vendor, 1 bank · In‑house 15
System of innovationfast-changing customer features
Product & pricing engine
1 vendor, 1 bank · In‑house 15
Conversational AI
  • AWS 2
+1 more · In‑house 13
Personal finance (PFM)
1 vendor, 1 bank · In‑house 15
System of differentiationproduct and process engines
Origination / LOS
Decision engine & underwriting
Fragmented: 2 vendors, 2 banks · In‑house 14
BPM / workflow
1 vendor, 1 bank · In‑house 15
Fraud
Fragmented: 3 vendors, 3 banks · In‑house 13
Loyalty
Fragmented: 2 vendors, 2 banks · In‑house 14
Digital marketing / CDP
  • Insider 2
  • Salesforce 2
+3 more · In‑house 11
Collections
1 vendor, 1 bank · In‑house 15
Payment hub
  • Temenos 2
+4 more
Treasury
  • Finastra 3
+2 more
Trade & cash management
  • Intellect Design (iGTB) 3
+2 more · In‑house 12
Supply chain finance
  • Intellect Design (iGTB) 2
In‑house 14
Limit & collateral
1 vendor, 1 bank · In‑house 15
System of recordcore systems
Core banking
  • Temenos 9
  • FIS 2
  • Oracle 2
+2 more
Card management
  • BPC 3
  • Compass Plus 3
  • OpenWay 3
+1 more
ERP / GL
  • Oracle 2
Not public 14
Data & analyticsfed by every system
Data warehouse
  • IBM 3
  • Databricks 2
In‑house 11
Data lake / AI
  • Databricks 3
  • IBM 2
+1 more · In‑house 11
Risk engine
  • Oracle 6
+2 more · In‑house 9
BI & reporting
1 vendor, 1 bank · In‑house 15
Customer 360
  • Salesforce 2
+2 more · In‑house 13

Modernisation decisions of Vietnam banks, 2021-2026

YearBankWhat changedSource
2026VPBankLaunches new NEOBiz digital banking platform for business customersvpbank.com.vn
2026MBSigns MOU with OceanBase for distributed database modernisationnews.mbbank.com.vn
2026ACBSigns VNPT 2026-2030 partnership incl. centralised Voice IP call centreacb.com.vn
2026VietcombankStarts building a new cloud-native corporate digital bank with Virtusaen.prnasia.com
2026VietcombankApplies Basel III standardised approach under Circular 14/2025vietcombank.com.vn
2026VietcombankAwards Microsoft software licence tender to HPTbaodauthau.vn
2026VietcombankKicks off One Data Platform with IBM, Databricks, AWS and FPT IS-TechXvietcombank.com.vn
2026VietcombankAwards Avaya contact centre upgrade and expansion (PBX, SIP, IVR, recording)baodauthau.vn
2026VietinBankRenews Compass Plus partnership for its card businessfinancialit.net
2026VietinBankAwards new core banking servers and core software upgrade package to ETCbaodauthau.vn
2026VietinBankLaunches new Open API Portal with self-service onboarding and sandboxvietinbank.vn
2026VietinBankRolls out MyGenie platform; staff build 1,100+ AI agents in five monthsvietnamplus.vn
2026VietinBankLaunches iPay Mobile 6.0 with personalised experiencedantri.com.vn
2026BIDVAwards data-centre firewall replacement and DLP tenders to ETCbaodauthau.vn
2026BIDVSelects Ab Initio via SVTECH to upgrade data governance platform (Data Fabric)baodauthau.vn
2026BIDVRents GPU cloud infrastructure for AI applications 2026-2027bidv.com.vn
2026BIDVAwards object storage system tender for online data storagebaodauthau.vn
2026AgribankSigns Deloitte to review IT strategy and digital transformation plan to 2030agribank.com.vn
2026AgribankAwards 200 lobby cash deposit machines (CDM) to FPT IS–EI joint venturebaodauthau.vn
2026AgribankSelects FIS Front Arena treasury platform (front/middle/back office) via HPTbaodauthau.vn
2026AgribankAwards endpoint security protection service to Network & Communications Technology JSCbaodauthau.vn
2026AgribankReplaces centralised database servers for non-core applications (ONE Technology)baodauthau.vn
2026VIBDeploys Salesforce CRM across retail with Agentforce, Data 360 and MuleSoft (SI Deloitte)salesforce.com
2026VIBGoes live on FIS Front Arena treasury and FX trading system on AWSvib.com.vn
2026TPBankLaunches T'AioX GenAI assistant on a multi-LLM platform (ChatGPT, Gemini, Grok)tpb.vn
2026ABBANKSigns agreement with VNPT to prioritise its cloud, data centre, security and e-signaturecongly.vn
2026MSBLaunch new retail and enterprise apps on Backbasevietnamnews.vn
2026MSBFICO decisioning for loan approvals goes live, implemented with Blitzfrontier-enterprise.com
2026MSBSigns MOU with GreenNode (VNG) for hybrid AI cloud and enterprise AI platformmsb.com.vn
2026SacombankUpgrades to the latest Temenos core, moves to hybrid cloud, expands into Temenos Payments Huben.vietstock.vn
2026HDBankSigns strategic tech partnership with Galaxy Holdings for AI, big data, cloud and IoT platformsgalaxyholdings.co
2026SHBSigns strategic partnership with Huawei on tech architecture, data and cloud platformsvietnamnews.vn
2025TechcombankRolls out Amazon Q Developer GenAI coding assistant to ~600 developerstechcombank.com
2025-26TechcombankUpgrades Temenos core from R18 to R25 and starts slimming it to a lean coretheasianbanker.com
2025VPBankGoes live on the latest Temenos core, on Red Hat OpenShifttemenos.com
2025VPBankSigns OneConnect (Ping An) to build a new digital core for VPBank and GPBanktapchitoaan.vn
2025MBImplements Nucleus FinnOne Neo for debt collectionsnucleussoftware.com
2025ACBLaunches Southeast Asia's first Visa Flex Credential (debit and credit on one card) on OpenWay Way4openwaygroup.com
2025VietcombankSalesforce CRM + MuleSoft for retail and corporatebaodauthau.vn
2025VietcombankAwards tender to replace its IBM IIAS data management systembaodauthau.vn
2025VietcombankKicks off card and e-banking fraud prevention system project with EYvietcombank.com.vn
2025VietcombankUpgrades debit card system to FIS IST 7.8 (switch and card management) via FPT ISkinhtechungkhoan.vn
2025VietcombankAwards server and storage tender for card and remittance systems to Mitecbaodauthau.vn
2025VietinBankAwards on-premise Datalake hardware and software package to ETCbaodauthau.vn
2025VietinBankLaunches Genie internal GenAI assistant on Microsoft Azure OpenAI with Noventiq and NashTechnews.microsoft.com
2025BIDVLaunches BIDV Direct in-house corporate digital banking, migrating iBank usersbidv.com.vn
2025BIDVLaunches SmartBanking X retail app with AI/ML personalisationbaochinhphu.vn
2025BIDVSets up AI Centre of Excellence for AI, GenAI, big data and data laketienphong.vn
2025BIDVCompletes card core conversion from Cadencie to Way4 with FPT-OpenWayfpt.com
2025AgribankLaunches Agribank SoftPOS tap-to-phone acceptance appcongan.com.vn
2025AgribankSigns comprehensive cooperation agreement with MobiFone incl. cloud and co-locationagribank.com.vn
2025AgribankLaunches six online credit functions for corporate customers on Agribank eBankingagribank.com.vn
2025AgribankSets up steering committee to implement Basel II advanced and Basel IIIagribank.com.vn
2025TPBankViettel strategic MoU 2025-2030 (cloud, big data, AI, embedded banking)nhadautu.vn
2025TPBankGoes live with SIMO-linked fraud warning and blocking across all channelstpb.vn
2025ABBANKLaunch ABBANK Business on Backbasebackbase.com
2025ABBANKTenders OCR document extraction and ECM electronic records systemvnba.org.vn
2025ABBANKLaunches new ABBANK retail app replacing AB Ditizen, with FIDO authenticationabbank.vn
2025ABBANKSigns MOU with MISA, connecting JETPAY Bankhub for SME cash managementabbank.vn
2025ABBANKKicks off OCR Studio AI document extraction with RUNSYSTEM, integrated with ECMrunsystem.net
2025OCBStarts data analytics modernisation on Oracle Exadata Cloud@Customer with FPT ISfpt-is.com
2025OCBKicks off Lac Viet LV SureDMS ECM for internal regulatory documentslacviet.vn
2025OCBSigns strategic partnership with CMC on AI, big data and digital infrastructureocb.com.vn
2025MSBLaunches MarTech platform on mParticle CDP with FPT and AKA Digitalfpt-is.com
2025MSBLaunches account-opening Mini App on Zalo with VNGbaodautu.vn
2025MSBKicks off Oracle Financial Services AML with FPT to replace existing AML systemfpt-is.com
2025SacombankSigns strategic partnership with Microsoft Vietnam on AI and datasacombank.com.vn
2025HDBankUnveils Thought Machine core, Di HDBank super-app and Di HDBiz business platformtuoitre.vn
2025HDBankIntegrates VNeID e-ID for online onboarding with the police ministry's RAR Centervneconomy.vn
2025SHBMigrates SAHA mobile banking infrastructure from Microsoft Azure to AWSthoibaonganhang.vn
2025SHBDeploys Risk Datamart as central risk data platformshb.com.vn
2025SHBImplements internal credit rating, advanced-approach CAR and central debt-collection platformsshb.com.vn
2025SHBMoves to new leased data centre, runs Visa/Mastercard card system there; adds cloud and SD-WANshb.com.vn
2025SHBUpgrades contact centre with auto queuing, call quality scoring and outbound careshb.com.vn
2024TechcombankRolls out C-Cash corporate treasury management platform built with Kyribatechcombank.com
2024TechcombankImplements Databricks Data Intelligence Platform as bank-wide data foundationtechcombank.com
2024VPBankNext-gen data platform with TechX, AWS, Databricksvir.com.vn
2024VPBankSigns FPT IS to implement Salesforce CRM (Financial Services Cloud) for personal bankingfpt-is.com
2024VPBankCake digital bank launches cloud card management on Visa Cloud Connectvisa.com.vn
2024VietcombankCore banking servers/storage refresh 2024-2028 (FPT IS-MITEC)baodauthau.vn
2024VietcombankKicks off upgrade of CLOS wholesale loan origination system with FISvietcombank.com.vn
2024VietcombankLaunches new-generation VCB Digibank appvietcombank.com.vn
2024VietcombankKicks off PCM2 to extend VCB CashUp cash management with FPT IS and Intellectvietcombank.com.vn
2024VietinBankTenders relocation of data centre equipment from 108 Tran Hung Dao to new Van Canh DCvietinbank.vn
2024VietinBankSigns comprehensive cooperation agreement with Viettel on telecom, IT and digital solutionsvietinbank.vn
2024VietinBankKicks off RPA process automation project with FPT akaBot (10 processes)akabot.com
2024BIDVOpenWay Way4 card management and payment system replacementfintechnews.sg
2024BIDVGoes live on in-house Private Cloud platformtienphong.vn
2024BIDVCompletes independent validation of credit risk measurement models with Deloittebidv.com.vn
2024AgribankLaunches Agribank Plus omni-channel app replacing E-Mobile Bankingtuoitre.vn
2024AgribankCompletes new data centre building housing centralised serversbaochinhphu.vn
2024AgribankSigns police ministry RAR Center contract for VNeID authentication in Agribank Plusbaochinhphu.vn
2024VIBTemenos R23 core on AWS + private cloud (first in VN)fintechnews.sg
2024VIBGenAI assistant ViePro on AWSen.vneconomy.vn
2024TPBankIBM Cloud Pak for Data platformasean.newsroom.ibm.com
2024ABBANKTenders supply and installation of T24 core banking infrastructureabbank.vn
2024ABBANKRuns Omni Channel, CRM and Data Lake projects under 2024-2028 strategy refreshcongthuong.vn
2024OCBOMNI 4.0 go-live in ~6 months, 7,000 internal users migratedbackbase.com
2024MSBNew Temenos core cutover (27 Apr)temenos.com
2024MSBBackbase to consolidate in-house apps into one retail+business platformfintechfutures.com
2024MSBSigns cross-border payments partnership with TerraPayprnewswire.com
2024MSBCompletes BPM programme digitising loan origination and post-approval journeysstatic2.vietstock.vn
2024MSBBuilds Single API Platform, Kafka, ECM, IAM, low-code and RPA platformsstatic2.vietstock.vn
2024SacombankLaunches AI voicebot hotline and chatbots with FPT Smart Cloudsacombank.com.vn
2024HDBankVikki Digital Bank launched on Thought Machine Vault Core (Galaxy FinX, AWS, Genesys)fintechnews.sg
2024SHBLaunches SHB Corporate Mobile app for business clientstuoitre.vn
2024SHBReleases SAHA 1.5 digital banking app (18 Nov)shb.com.vn
2023TechcombankPartners with Personetics for AI-driven money management in the mobile apppersonetics.com
2023TechcombankGoes live on Oracle OFSAA anti-money-laundering platform on AWStechcombank.com
2023VPBankAWS named preferred cloud provideren.vneconomy.vn
2023VPBankStarts migrating 28 applications incl. SAP HANA ERP and Phoenix risk system to AWSaws.amazon.com
2023MBAWS cloud acceleration program with TechX (2023-2026)baoquocte.vn
2023ACBSigns FPT IS for FPT.IDCheck chip-ID verification and akaBot RPAfpt-is.com
2023ACBLaunches ONE CONNECT open banking API platform on IBM API Connectacb.com.vn
2023VietcombankSigns 2023-2026 partnership with Viettel covering cloud, IT infrastructure and securityvietcombank.com.vn
2023VietinBankDigital transformation strategy 2023-2025 (vision 2030) with top-3 global consultantvnbusiness.vn
2023BIDVCore replacement SIBS -> FIS Profile, 16h downtimebidv.com.vn
2023BIDVIBM API Connect Open API platform (15 API products at launch)vir.com.vn
2023AgribankPayment Hub rolled out bank-wide without touching corethitruongtaichinhtiente.vn
2023AgribankSets up Corebanking project board; consults Temenos on core banking replacementagribank.com.vn
2023VIBLaunches MyVIB Corp mobile banking app for corporate customersvib.com.vn
2023VIBLaunches VIB Checkout SME digital banking app with built-in SoftPOSvietnamplus.vn
2023TPBankSigns strategic cooperation with GRGBanking on branch software and LiveBank VTM upgradesglobal.grgbanking.com
2023ABBANKSelect Backbase for retail and business digital bankingmalaymail.com
2023ABBANKCRM phase 1 with RUNSYSTEM (~3 months)runsystem.net
2023ABBANKLaunches SAS Viya credit decisioning system with Thakral One and Intelsas.com
2023OCBStarts IBM Safer Payments fraud management system with Seatechasean.newsroom.ibm.com
2023OCBCompletes Basel II advanced (IRB) capital platform on Moody's Analytics cloudocb.com.vn
2023OCBSelect Backbase Engagement Banking for retail omnichannelbackbase.com
2023SacombankSelects Camunda business process automation platform, implemented by UNITsacombank.com.vn
2023SacombankCompletes new data centre infrastructure at CMC Data Center Tan Thuancmc.com.vn
2023HDBankAdopts AWS cloud infrastructure with GalaxyOne as AWS partnergalaxy.one
2022TechcombankLaunched PayLink payment hub and iDO branch platformvnexpress.net
2022TechcombankLaunches business digital banking platform for companies, replacing F@st EBankcongan.com.vn
2022TechcombankSigns multi-year Adobe Experience Cloud partnership incl. Real-Time CDPbizhub.vietnamnews.vn
2022VPBankIntellect iGTB CBX for transaction bankingibsintelligence.com
~2022MBT24 upgrade C to Java framework (TAFJ), Oracle 19ctheasianbanker.com
2022ACBRelaunched ACB ONE digital ecosystem (ONE, ONE BIZ)acb.com.vn
2022ACBLaunches Video Call Face Identity (TrueID) AI verification after eKYCacb.com.vn
2022ACBLaunches AI BOT virtual assistant built on VinBigData's Vinbase Chatbotacb.com.vn
2022VietinBankRelaunch eFAST on Global Transaction Banking Platform (81 upgraded, 55 new features)thoibaotaichinhvietnam.vn
2022VIBMyVIB 2.0 cloud-native app on Azurenews.microsoft.com
2022VIBIntegrates FPT.AI voice banking into MyVIB 2.0fptsmartcloud.com
2022TPBankLaunches TPBank Biz corporate digital banking platform, built in-housebaodautu.vn
2022MSBSelect Temenos Core, Payments Hub, Data Hubhubbis.com
2022SacombankSelect Temenos Infinity digital bankingtheasianbanker.com
2022SacombankSigns contract with FPT IS and EY to implement an IFRS 9 systemsacombank.com.vn
2022HDBankSelect Thought Machine Vault to replace core, on AWSthoughtmachine.net
2022HDBankDeploy AWS EKS Anywhere in own data centrebizhub.vietnamnews.vn
2022SHBSelect Temenos digital banking for omnichanneltemenos.com
2021TechcombankAWS cloud-first, migrate most apps incl. core; 5yr partnershiptheasianbanker.com
2021TechcombankSalesforce FSC cloud CRM, first in VN bankingbiia.com
2021TechcombankLaunches new retail mobile banking app built on Backbasetechcombank.com
2021VPBankLaunches NEO retail digital bank and NEOBiz SME digital banking appvpbank.com.vn
2021MBCommitted ~$50M/yr tech spend for 5+ yearstheinvestor.vn
2021VietcombankKicks off retail loan origination system (RLOS) with FPT IS and Nucleus Softwarechungta.vn
2021VietcombankiGTB Digital Transaction Banking for VCB CashUppymnts.com
2021VietcombankLaunches VCB DigiBiz digital banking for SMEstuoitre.vn
2021BIDVCompletes IFRS 9 implementation project with PwCbidv.com.vn
2021AgribankLaunches online account opening via eKYC on E-Mobile Bankingtienphong.vn
2021VIB3-year Microsoft deal, multi-cloud with Azure primaryvneconomy.vn
2021TPBankSelects Wolters Kluwer OneSumX IFRS 9 for IFRS 9 complianceibsintelligence.com
2021MSBStarts "Digital Factory" digitisation programme with BCGtuoitre.vn
2021HDBankDeploys akaBot RPA (FPT) to automate operations processesfpt.com
2021HDBankLaunches Voicebot AI virtual call-centre assistant on dedicated FPT Cloudthoibaonganhang.vn

Topics I cover

Core banking modernisationBuild vs buyVendor selectionDigital channels and super-appsCards and paymentsLoan originationCRM and martechContact centreIntegration and open APIsCloud migrationData platforms and AITech operating model and cost

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Expert calls · from $500/hr

Bank tech strategy, vendor selection, build vs buy and modernisation in Vietnam and Southeast Asia. Direct or via your expert network.

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Market research · on request

Bank and vendor landscapes, peer comparisons and market sizing for investors and consulting teams.

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Contact

Email or message me on LinkedIn.

ryan.dnguyenx@gmail.com
linkedin.com/in/ryannguyenx