On August 18, 2026, in Hanoi, within the framework of the "Banking Industry Digital Transformation Event 2026" with the theme "Smart Banking in the Data and AI Era", Vietnam Technological and Commercial Joint Stock Bank (Techcombank) introduced a digital financial ecosystem with many new solutions, affirming its pioneering role in creating smart financial infrastructure for Vietnam's digital economy.
Possessing systematically invested technology, data and AI capabilities, Techcombank is steadfast in its vision of "Transforming the financial industry, raising the value of life", accompanying the Government in implementing Resolution 57-NQ/TW of the Politburo and national digital transformation orientation.
Breakthrough digital financial solutions, expanding capital access opportunities for SMEs
Techcombank identifies data and AI as the foundation for developing smart, personalized and accessible financial services. The bank integrates AI in business operations, from product development, risk management to improving customer experience, thereby optimizing operation and promoting an open, more connected digital financial ecosystem.
Currently, many SME and Micro SME enterprises still have difficulty accessing capital due to limited collateral, complex dossiers and prolonged approval time. To solve this problem, Techcombank develops a Data Brain data platform, processing about 8 billion data points per day and analyzing up to 12,500 attributes per customer.
The bank also coordinates with partners to implement MISA Lending - a data-based credit granting solution, combining information from invoices, financial statements and transactions to assess capital needs and financial capacity of enterprises in real time.
The solution allows customers to access credit limits of up to 48 billion VND, of which unsecured credit limits are up to 22 billion VND, with an automatic approval time of about 5 minutes. To date, MISA Lending has supported more than 4,000 businesses, with a total granted credit limit of 22,000 billion VND.
Besides SMEs, Techcombank targets the business household group - an area with more than 5 million households, contributing about 30% of GDP but mostly still operating manually.
At the event, Techcombank introduced T-shop - a digital transformation solution on a data and AI platform, supporting the digitization of business operations on a unified platform, from order management, warehousing, cash flow to electronic invoice issuance and tax declaration support.
Transaction digitization helps increase transparency in revenue management, supports business efficiency assessment and creates a basis for business households to be considered for an advance limit of up to 500 million VND according to the regulations of the State Bank.
Creating a digital financial ecosystem "customers are the focus
Sharing at the event, a representative of Techcombank said that data and AI not only improve operational efficiency but also change the way customers access financial services in a faster, more transparent and appropriate direction.
For businesses, the data-based credit model helps shorten access time to capital and reduce procedures. For business households, digitizing operations creates a platform for transitioning to modern management models, improving compliance and expanding development opportunities. On a larger scale, the solutions contribute to promoting comprehensive finance and improving access to financial services for people and businesses.
Mr. Nguyen Anh Tuan, Deputy General Director cum Retail & Senior Banking Director of Techcombank, said: "The theme of the 2026 Banking Industry Digital Transformation Event reflects the global trend as data and artificial intelligence are reshaping the way financial institutions operate and serve customers. For Techcombank, data and AI are not simply technology, but core competencies that help us understand customers more deeply, offer more appropriate solutions and create a more convenient financial experience for each individual, business and household.
Mr. Nguyen Anh Tuan emphasized: "Data and AI only truly create value when helping people and businesses access more convenient, smarter and more suitable financial solutions; thereby jointly building a comprehensive digital financial ecosystem, putting customers at the center. Therefore, Techcombank is gradually realizing the AI-first strategy to make data and AI a driving force to serve customers better, while contributing to building an increasingly connected, transparent and comprehensive digital financial ecosystem, creating positive and long-term impacts for customers, the community and the economy.
In the context of data and AI becoming new growth drivers of the digital economy, the finance - banking industry is facing the opportunity to reshape its operating model and customer service. Promoting advantages in technology, data and innovation, Techcombank will continue to promote the AI-first strategy, expand ecosystem cooperation and develop smart financial solutions.
With the leading role of a national enterprise, the bank continues to accompany the country's development goals, promote the building of a modern, comprehensive and sustainable digital financial ecosystem, contributing to the long-term growth of the Vietnamese economy.
