The sao Khue Award is a program to evaluate and recognize outstanding products and services, leading prestige of the Vietnamese software and IT industry, initiated and organized by the Information Technology Software and Services Association (VINASA) starting in 2003. The products and services that achieve the title of Sao Khue are all of high quality, outstanding in efficiency, and have competitive advantages in the market.
In 2025, with 6 nominations voted and highly appreciated by experts from the Preliminary Selection Council and the Final Selection Council, Agribank is the bank with the most and most diverse of the outstanding technology systems/products and services of the Vietnamese software and information technology industry - Sao Khue 2025.
1. Agribank - Sao Khue's customer information authentication and cleaning management system for the Digital Data sector
Agribank is one of the leading banks in the journey to transform the operating model according to digital trends, especially paying attention to data management to master and exploit systematic data source uses. Agribank has completed the construction of a authentication management system. Up to now, Agribank has cleaned up customer information of 8 million individual customers according to the regulations in Circulars No. 17 and No. 18 of the SBV.
2. Quarterly asset management system - Sao Khue in the field of Asset Management
Applying information technology to asset management in cash registers is one of Agribank's innovations in applying science and technology towards applying 4.0 technology to the field of currency management - cash registers. Monitoring all assets on the software is deployed online in a unified management direction, timely from top to bottom, from the transaction office - branch to Agribank's head office, contributing to ensuring that assets in the warehouse are arranged scientifically, convenient for monitoring, searching, and inventorying accurately.
3. The monitoring system focuses on data center infrastructure - Sao Khue in the field of Digital Data
The Monitoring system is an indispensable component of Agribank's modern data center, not only helping to control and use energy effectively but also increasing the life of infrastructure equipment, maintaining a stable operating environment for information technology equipment and especially the ability to warn in real time to prevent possible incidents. Agribank's centralized monitoring system of data center infrastructure is capable of analyzing equipment like "skill workers" to help warn of the potential risk of damage while the device is still operating, to ensure the data center infrastructure operates stably and continuously compared to existing monitoring systems on the market.
4. Digital solutions for credit approval procedures beyond authority - Sao Khue in the field of Data Digitalization - Process (BPO).
The system to support credit approval beyond the authority is a digital solution, process management, and increase the efficiency of granting credit beyond the authority at Agribank headquarters. Credit approval processes are digitized through advanced analysis tools for credit records, financial reports, and financial indicators to help increase the accuracy of credit approval, while monitoring investment portfolios, reducing the risk of errors, reducing credit risks and allowing Agribank to shorten working time, approving credit for customers faster and more accurately.
5. Agribank Plus - A star in the field of Digital Utilities
Agribank Plus is a multi-channel application (Omnichannel) that allows Agribank customers to use more than 150 features and convenient banking services synchronized on websites, phones, and tablets with a seamless, unified experience on a simple, easy-to-use interface. Agribank Plus is designed and built according to 4 "PLUS" criteria. Accordingly, P is Prime corresponding to excellence. L is Leading is understood as leading. U is the abbreviation of United meaning connection. Finally, S is Smart, with the meaning of being smart and modern.
6. Internal capital transfer pricing software system (FTP) - a star in the field of Special Governance (in the banking sector)
The system is built to meet the regulations of the State Bank and improve the efficiency of risk management and business efficiency through capital balance in accordance with credit growth, increasing capital efficiency in Agribank system. The system has the advantage of developing and implementing the best benefit policies for Agribank's customers in each business, helping to increase the initiative of Agribank branch, while strongly promoting the orientation role, directing and operating from the headquarters through capital balance, interest rates, internal capital purchase and sale fees, handing over business plans associated with the balance sheet of quarterly capital, increasing the efficiency of the financial capacity.
As a large financial institution, innovation and digital transformation are no longer options but mandatory tasks for Agribank to break through and develop. Agribank has promoted the application of new initiatives and technology solutions such as artificial intelligence (AI), cloud computing (Cloud), Open API... on systems such as Open SmartBank, Payment Hub, Open API, Omni- Channel - Agribank Plus; deployed connection to the National Population Database, biometric transaction authentication; deployed electronic authentication services via VNeID on Agribank Plus...
Agribank has been affirming itself as one of the pioneering banks in the digital transformation journey in Vietnam. With strong and creative steps in developing digital banking products and services, expanding the service network, improving product quality, thereby promoting cashless payments, and protecting the safety of customer information. Agribank is making strong marks in the banking industry and making important contributions to the development of the national digital economy.
