Vietnam banks by tech capability and vendor

Techcombank

Channels

Retail app & web: Backbase
Corporate / SME app & web: Backbase
CRM / RM workbench: Salesforce, Adobe
Employee portal: Microsoft

Integration

Event streaming: AWS

System of innovation

Conversational AI: AWS
Personal finance (PFM): Personetics

System of differentiation

BPM / workflow: IBM · may be outdated
Fraud: SAS
Loyalty: One Mount
Digital marketing / CDP: Adobe · may be outdated
Treasury: Finastra · may be outdated
Trade & cash management: Intellect Design (iGTB) · may be outdated
Supply chain finance: Intellect Design (iGTB) · may be outdated

System of record

Core banking: Temenos
Card management: Compass Plus · may be outdated
ERP / GL: Oracle · may be outdated

Data & analytics

Data warehouse: Databricks
Data lake / AI: Databricks
Risk engine: Oracle, SAS
BI & reporting: Databricks
Customer 360: Databricks

Foundation

eSignature: FPT IS · may be outdated
OCR / RPA: akaBot · may be outdated

Platform & cloud

Cloud & data platform: AWS
CI/CD & infrastructure-as-code: In-house build · may be outdated
Observability: AWS

VPBank

Channels

Retail app & web: SAP · may be outdated
Corporate / SME app & web: Intellect Design (iGTB) · may be outdated

System of innovation

Conversational AI: In-house build

System of differentiation

Loyalty: LynkiD
Digital marketing / CDP: CleverTap, Insider
Payment hub: Intellect Design (iGTB) · may be outdated
Treasury: Finastra
Trade & cash management: Intellect Design (iGTB) · may be outdated

System of record

Core banking: Temenos
Card management: OpenWay · may be outdated

Data & analytics

Data warehouse: Databricks · may be outdated
Data lake / AI: Databricks · may be outdated
Risk engine: Oracle · may be outdated

Foundation

eKYC / biometrics: In-house build · may be outdated
Notification hub: Zalo
OCR / RPA: UiPath

Platform & cloud

Cloud & data platform: AWS, Databricks
FinOps: AWS

MB

Channels

Advisory tools: Temenos · may be outdated
Open banking / developer portal: Google Cloud

Integration

File & batch: Stonebranch

System of differentiation

Collections: Nucleus Software

System of record

Core banking: Temenos

Data & analytics

Risk engine: Oracle · may be outdated

Platform & cloud

Cloud & data platform: AWS

ACB

Channels

Chatbot / virtual assistant: VinBigData · may be outdated

System of differentiation

Treasury: Moody's · may be outdated

System of record

Core banking: Oracle · may be outdated
Card management: OpenWay
ERP / GL: Oracle

Data & analytics

Risk engine: Oracle · may be outdated

Platform & cloud

Cloud & data platform: Microsoft Azure · may be outdated

Vietcombank

Channels

Corporate / SME app & web: Intellect Design (iGTB), Virtusa
Chatbot / virtual assistant: FPT.AI · may be outdated
Voice / IVR: Avaya, Smart Winner · may be outdated
CRM / RM workbench: Salesforce, CMC
Host-to-host: Intellect Design (iGTB) · may be outdated

Integration

API management / ESB: MuleSoft (Salesforce) · may be outdated

System of differentiation

Digital marketing / CDP: Salesforce
Payment hub: Finastra · may be outdated
Treasury: FIS
Trade & cash management: Finastra, Intellect Design (iGTB)
Supply chain finance: Intellect Design (iGTB) · may be outdated

System of record

Core banking: Fiserv

Data & analytics

Data lake / AI: Databricks, IBM · may be outdated
Customer 360: Salesforce · may be outdated

Foundation

Customer identity: Thales

Platform & cloud

Cloud & data platform: IBM · may be outdated

VietinBank

Channels

ATM / CDM / POS: NCR Atleos · may be outdated
Voice / IVR: Cisco · may be outdated

System of innovation

Conversational AI: Microsoft Azure

System of differentiation

Fraud: NetGuardians · may be outdated

System of record

Core banking: FIS
Card management: Compass Plus

BIDV

Channels

Open banking / developer portal: IBM · may be outdated

Integration

API management / ESB: IBM

System of innovation

Conversational AI: In-house build · may be outdated

System of differentiation

Payment hub: FIS · may be outdated
Treasury: Finastra · may be outdated
Trade & cash management: Surecomp

System of record

Core banking: FIS
Card management: OpenWay

Data & analytics

Data lake / AI: Ab Initio · may be outdated

Agribank

System of record

Card management: Compass Plus · may be outdated

Foundation

eKYC / biometrics: VNPAY · may be outdated
Notification hub: MobiFone · may be outdated

VIB

Channels

Retail app & web: Microsoft Azure

System of innovation

Conversational AI: AWS · may be outdated

System of differentiation

Digital marketing / CDP: Salesforce · may be outdated

System of record

Core banking: Temenos

Data & analytics

Customer 360: Salesforce, MuleSoft (Salesforce) · may be outdated

Foundation

eSignature: FPT IS · may be outdated

Platform & cloud

Cloud & data platform: IBM, AWS, Microsoft Azure
CI/CD & infrastructure-as-code: Microsoft Azure

TPBank

Channels

Retail app & web: Backbase
Chatbot / virtual assistant: FPT.AI
Kiosk / smart queue: GRGBanking · may be outdated

System of differentiation

Payment hub: BPC · may be outdated

System of record

Core banking: Oracle · may be outdated
Card management: BPC · may be outdated

Data & analytics

Data warehouse: IBM · may be outdated
Data lake / AI: IBM
Risk engine: Wolters Kluwer · may be outdated

Foundation

OCR / RPA: akaBot

Platform & cloud

Cloud & data platform: IBM, Viettel

ABBANK

Channels

Corporate / SME app & web: Backbase

System of differentiation

Decision engine & underwriting: SAS

System of record

Core banking: Temenos
Card management: BPC · may be outdated

Data & analytics

Risk engine: Oracle · may be outdated

Platform & cloud

Observability: ManageEngine · may be outdated

OCB

Channels

Retail app & web: Backbase

System of differentiation

Fraud: IBM

System of record

Core banking: Temenos

Data & analytics

Data warehouse: IBM · may be outdated
Risk engine: Oracle · may be outdated

Foundation

eSignature: FPT IS · may be outdated
Document management: Lac Viet

Platform & cloud

Cloud & data platform: Oracle

MSB

Channels

Retail app & web: Backbase
Corporate / SME app & web: Backbase

System of innovation

Product & pricing engine: SunTec

System of differentiation

Decision engine & underwriting: FICO
Digital marketing / CDP: mParticle, Insider
Payment hub: Temenos

System of record

Core banking: Temenos

Data & analytics

Data warehouse: IBM · may be outdated

Platform & cloud

Cloud & data platform: Temenos, Red Hat

Sacombank

Channels

Retail app & web: Temenos
Corporate / SME app & web: Temenos · may be outdated
Chatbot / virtual assistant: FPT.AI
Voice / IVR: Cisco, FPT.AI · may be outdated
Live chat: BaseBS, FPT.AI · may be outdated
Employee portal: SAP

System of differentiation

Payment hub: Temenos
Limit & collateral: Aurionpro (Integro) · may be outdated

System of record

Core banking: Temenos

Platform & cloud

Cloud & data platform: Red Hat

HDBank

System of record

Core banking: Thought Machine

Foundation

eSignature: FPT IS · may be outdated

Platform & cloud

Cloud & data platform: AWS

SHB

Channels

Retail app & web: Temenos
Corporate / SME app & web: Temenos · may be outdated

System of record

Core banking: Temenos · may be outdated
Card management: BPC, CMC · may be outdated

Platform & cloud

IAM & privileged access: CyberArk, RSA Security · may be outdated

Retail app & web

Backbase 4 · Temenos 2 · Microsoft Azure 1 · SAP 1

Techcombank Private: Backbase
TPBank Mid-tier: Backbase
OCB Mid-tier: Backbase
MSB Mid-tier: Backbase
Sacombank Mid-tier: Temenos
SHB Mid-tier: Temenos
VIB Mid-tier: Microsoft Azure
VPBank Private: SAP · may be outdated

Corporate / SME app & web

Backbase 3 · Intellect Design (iGTB) 2 · Temenos 2 · Virtusa 1

Techcombank Private: Backbase
ABBANK Mid-tier: Backbase
MSB Mid-tier: Backbase
VPBank Private: Intellect Design (iGTB) · may be outdated
Vietcombank State-owned: Intellect Design (iGTB), Virtusa
Sacombank Mid-tier: Temenos · may be outdated
SHB Mid-tier: Temenos · may be outdated

Chatbot / virtual assistant

FPT.AI 3 · VinBigData 1

Vietcombank State-owned: FPT.AI · may be outdated
TPBank Mid-tier: FPT.AI
Sacombank Mid-tier: FPT.AI
ACB Private: VinBigData · may be outdated

Kiosk / smart queue

GRGBanking 1

TPBank Mid-tier: GRGBanking · may be outdated

ATM / CDM / POS

NCR Atleos 1

VietinBank State-owned: NCR Atleos · may be outdated

Voice / IVR

Cisco 2 · Avaya 1 · FPT.AI 1 · Smart Winner 1

VietinBank State-owned: Cisco · may be outdated
Sacombank Mid-tier: Cisco, FPT.AI · may be outdated
Vietcombank State-owned: Avaya, Smart Winner · may be outdated

Live chat

BaseBS 1 · FPT.AI 1

Sacombank Mid-tier: BaseBS, FPT.AI · may be outdated

CRM / RM workbench

Salesforce 2 · Adobe 1 · CMC 1

Techcombank Private: Salesforce, Adobe
Vietcombank State-owned: Salesforce, CMC

Employee portal

Microsoft 1 · SAP 1

Techcombank Private: Microsoft
Sacombank Mid-tier: SAP

Advisory tools

Temenos 1

MB Private: Temenos · may be outdated

Open banking / developer portal

Google Cloud 1 · IBM 1

MB Private: Google Cloud
BIDV State-owned: IBM · may be outdated

Host-to-host

Intellect Design (iGTB) 1

Vietcombank State-owned: Intellect Design (iGTB) · may be outdated

API management / ESB

IBM 1 · MuleSoft (Salesforce) 1

BIDV State-owned: IBM
Vietcombank State-owned: MuleSoft (Salesforce) · may be outdated

Event streaming

AWS 1

Techcombank Private: AWS

File & batch

Stonebranch 1

MB Private: Stonebranch

Product & pricing engine

SunTec 1

MSB Mid-tier: SunTec

Conversational AI

AWS 2 · In-house build 2 · Microsoft Azure 1

Techcombank Private: AWS
VIB Mid-tier: AWS · may be outdated
VPBank Private: In-house build
BIDV State-owned: In-house build · may be outdated
VietinBank State-owned: Microsoft Azure

Personal finance (PFM)

Personetics 1

Techcombank Private: Personetics

Decision engine & underwriting

FICO 1 · SAS 1

MSB Mid-tier: FICO
ABBANK Mid-tier: SAS

BPM / workflow

IBM 1

Techcombank Private: IBM · may be outdated

Fraud

IBM 1 · NetGuardians 1 · SAS 1

OCB Mid-tier: IBM
VietinBank State-owned: NetGuardians · may be outdated
Techcombank Private: SAS

Loyalty

LynkiD 1 · One Mount 1

VPBank Private: LynkiD
Techcombank Private: One Mount

Digital marketing / CDP

Insider 2 · Salesforce 2 · Adobe 1 · CleverTap 1 · mParticle 1

Vietcombank State-owned: Salesforce
VIB Mid-tier: Salesforce · may be outdated
Techcombank Private: Adobe · may be outdated
VPBank Private: CleverTap, Insider
MSB Mid-tier: mParticle, Insider

Collections

Nucleus Software 1

MB Private: Nucleus Software

Payment hub

Temenos 2 · BPC 1 · Finastra 1 · FIS 1 · Intellect Design (iGTB) 1

MSB Mid-tier: Temenos
Sacombank Mid-tier: Temenos
TPBank Mid-tier: BPC · may be outdated
Vietcombank State-owned: Finastra · may be outdated
BIDV State-owned: FIS · may be outdated
VPBank Private: Intellect Design (iGTB) · may be outdated

Treasury

Finastra 3 · FIS 1 · Moody's 1

Techcombank Private: Finastra · may be outdated
VPBank Private: Finastra
BIDV State-owned: Finastra · may be outdated
Vietcombank State-owned: FIS
ACB Private: Moody's · may be outdated

Trade & cash management

Intellect Design (iGTB) 3 · Finastra 1 · Surecomp 1

Techcombank Private: Intellect Design (iGTB) · may be outdated
VPBank Private: Intellect Design (iGTB) · may be outdated
Vietcombank State-owned: Finastra, Intellect Design (iGTB)
BIDV State-owned: Surecomp

Supply chain finance

Intellect Design (iGTB) 2

Techcombank Private: Intellect Design (iGTB) · may be outdated
Vietcombank State-owned: Intellect Design (iGTB) · may be outdated

Limit & collateral

Aurionpro (Integro) 1

Sacombank Mid-tier: Aurionpro (Integro) · may be outdated

Core banking

Temenos 9 · FIS 2 · Oracle 2 · Fiserv 1 · Thought Machine 1

Techcombank Private: Temenos
VPBank Private: Temenos
MB Private: Temenos
VIB Mid-tier: Temenos
ABBANK Mid-tier: Temenos
OCB Mid-tier: Temenos
MSB Mid-tier: Temenos
Sacombank Mid-tier: Temenos
SHB Mid-tier: Temenos · may be outdated
VietinBank State-owned: FIS
BIDV State-owned: FIS
ACB Private: Oracle · may be outdated
TPBank Mid-tier: Oracle · may be outdated
Vietcombank State-owned: Fiserv
HDBank Mid-tier: Thought Machine

Card management

BPC 3 · Compass Plus 3 · OpenWay 3 · CMC 1

TPBank Mid-tier: BPC · may be outdated
ABBANK Mid-tier: BPC · may be outdated
SHB Mid-tier: BPC, CMC · may be outdated
Techcombank Private: Compass Plus · may be outdated
VietinBank State-owned: Compass Plus
Agribank State-owned: Compass Plus · may be outdated
VPBank Private: OpenWay · may be outdated
ACB Private: OpenWay
BIDV State-owned: OpenWay

ERP / GL

Oracle 2

Techcombank Private: Oracle · may be outdated
ACB Private: Oracle

Data warehouse

IBM 3 · Databricks 2

TPBank Mid-tier: IBM · may be outdated
OCB Mid-tier: IBM · may be outdated
MSB Mid-tier: IBM · may be outdated
Techcombank Private: Databricks
VPBank Private: Databricks · may be outdated

Data lake / AI

Databricks 3 · IBM 2 · Ab Initio 1

Techcombank Private: Databricks
VPBank Private: Databricks · may be outdated
Vietcombank State-owned: Databricks, IBM · may be outdated
TPBank Mid-tier: IBM
BIDV State-owned: Ab Initio · may be outdated

Risk engine

Oracle 6 · SAS 1 · Wolters Kluwer 1

Techcombank Private: Oracle, SAS
VPBank Private: Oracle · may be outdated
MB Private: Oracle · may be outdated
ACB Private: Oracle · may be outdated
ABBANK Mid-tier: Oracle · may be outdated
OCB Mid-tier: Oracle · may be outdated
TPBank Mid-tier: Wolters Kluwer · may be outdated

BI & reporting

Databricks 1

Techcombank Private: Databricks

Customer 360

Salesforce 2 · Databricks 1 · MuleSoft (Salesforce) 1

Vietcombank State-owned: Salesforce · may be outdated
VIB Mid-tier: Salesforce, MuleSoft (Salesforce) · may be outdated
Techcombank Private: Databricks

Customer identity

Thales 1

Vietcombank State-owned: Thales

eKYC / biometrics

In-house build 1 · VNPAY 1

VPBank Private: In-house build · may be outdated
Agribank State-owned: VNPAY · may be outdated

eSignature

FPT IS 4

Techcombank Private: FPT IS · may be outdated
VIB Mid-tier: FPT IS · may be outdated
OCB Mid-tier: FPT IS · may be outdated
HDBank Mid-tier: FPT IS · may be outdated

Notification hub

MobiFone 1 · Zalo 1

Agribank State-owned: MobiFone · may be outdated
VPBank Private: Zalo

Document management

Lac Viet 1

OCB Mid-tier: Lac Viet

OCR / RPA

akaBot 2 · UiPath 1

Techcombank Private: akaBot · may be outdated
TPBank Mid-tier: akaBot
VPBank Private: UiPath

Cloud & data platform

AWS 5 · IBM 3 · Microsoft Azure 2 · Red Hat 2 · Databricks 1 · Oracle 1 · Temenos 1 · Viettel 1

Techcombank Private: AWS
VPBank Private: AWS, Databricks
MB Private: AWS
HDBank Mid-tier: AWS
Vietcombank State-owned: IBM · may be outdated
VIB Mid-tier: IBM, AWS, Microsoft Azure
TPBank Mid-tier: IBM, Viettel
ACB Private: Microsoft Azure · may be outdated
Sacombank Mid-tier: Red Hat
OCB Mid-tier: Oracle
MSB Mid-tier: Temenos, Red Hat

IAM & privileged access

CyberArk 1 · RSA Security 1

SHB Mid-tier: CyberArk, RSA Security · may be outdated

CI/CD & infrastructure-as-code

In-house build 1 · Microsoft Azure 1

Techcombank Private: In-house build · may be outdated
VIB Mid-tier: Microsoft Azure

Observability

AWS 1 · ManageEngine 1

Techcombank Private: AWS
ABBANK Mid-tier: ManageEngine · may be outdated

FinOps

AWS 1

VPBank Private: AWS