Digital breakthrough - New strength

Solving the operation problem, creating differentiated advantages

In 2025, the digital ecosystem for businesses taking VietinBank eFAST platform as the center has been comprehensively completed by VietinBank. The bank has launched a series of market-leading features such as: online disbursement, online guarantee, 24/7 online FX and account opening via eKYC. ERP connection solutions, Open API and Agile working methods help VietinBank provide "tailor-made" solutions - showing understanding of the needs of each business group.

VietinBank eFAST has truly become an indispensable operating infrastructure of SMEs. Mr. Nguyen Hoang Long - Finance Director of TT Capital Investment Joint Stock Company shared: "VietinBank eFAST helps businesses optimize payment processes, shorten time and minimize errors. We have successfully shifted from traditional transactions to digital transaction management. The impressive point is the speed of opening eKYC online accounts - fast and maximum security".

In addition, VietinBank also actively grasps the trend of cross-border digital payments and QR payments, proactively cooperates with Vietnam's national payment hub company, Fintech partners to deploy new money transfer and payment platforms. VietinBank ensures a continuous, safe, secure payment system and fully complies with the regulations of the State Bank of Vietnam.

VietinBank identifies Open Banking as a key goal through the VietinBank iConnect platform. With this API connection portal, VietinBank has cooperated with hundreds of multi-industry partners, handling an average of over 300 million transactions/year belonging to many diverse groups of financial products such as: Account services, collection and expenditure support, payment, cash flow management.

Each customer has a "separate bank version

2025 marks a turning point in VietinBank's digital transformation roadmap when the S&T sector not only expands its product portfolio but also comprehensively changes the approach, use and perception of services.

Deep digitalization of credit journeys has helped VietinBank re-define customer standards for speed, convenience and proactiveness in accessing loans. "Using the online disbursement feature on VietinBank iPay helps me receive money immediately, the digital signing procedure is simple and completely does not require hard documents. Preferential loan interest rates, I am very satisfied when using this service of VietinBank" - Ms. Le Thi Mai, owner of a small business household in Thanh Tri, Hanoi shared.

The real estate loan sector also recorded positive changes when VietinBank integrated an ecosystem from project introduction to automatic loan calculation and online registration. Thousands of S&T have realized the dream of settling down through modern disbursement procedures.

In parallel with the credit segment, the V-Wealth investment management platform launched in November 2025 has brought a comprehensive investment experience to S&T. Just a few months after its launch, V-Wealth attracted hundreds of thousands of new visits and registrations. Utilities such as buying gold/silver online (digiGOLD), online savings and closed digital card services have created a complete service cycle from registration to use.

A representative of VietinBank said that entering 2026, VietinBank aims for a "Smart - Open - Green" digital banking. Taking AI as a technology lever and ESG as the core foundation for corporate governance, VietinBank is realizing the model of each customer having a "separate banking version".

Through VietinBank iPay "financial assistant", all transaction barriers are removed, giving way to deeply personalized experiences. This is a breakthrough transformation: From "transaction bank" to "understanding bank" - from service provider to value-creating companion.

With a solid technology platform and a new generation of personnel, VietinBank is confident and ready to lead and accompany businesses and customers to break through in the global digital age.