Digital technology has completely changed the way consumers approach finance. If in the past, customers coming to the transaction counter was inevitable, now 90% of banking transactions in Vietnam have been conducted on digital platforms. In that context, Eximbank is one of the pioneering banks, not only simply "digitizing" the process, but also implementing a comprehensive and sustainable digital transformation strategy, laying the foundation for remarkable development in the modern financial environment.
In the 2025-2026 period, Eximbank will not only improve customer experience but also aim for a sustainable development banking model, applying modern technology to serve the community comprehensively.
Digital transformation: Not just at technology
Over the years, technology has completely changed the way customers use financial services, but digital transformation does not stop at bringing technology into banking. Digital transformation at Eximbank is a comprehensive restructuring of the customer experience, bringing convenience, personalization and safety at every touchpoint.
To realize that, Eximbank is perfecting the multi-channel digital banking ecosystem (Omni Channel), with a new generation mobile application integrated with artificial intelligence (AI) and big data (Big Data), to personalize the experience and optimize the customer journey. The Business Process Management System (BPM) combined with RPA (Robotic Process Automation) automation is widely deployed, helping to minimize errors and increase operational efficiency.
Eximbank is also deploying a new advanced card core system, helping to increase security, optimize transaction processing speed and enhance payment experience. At the same time, the bank expands cooperation with fintech platforms and e-wallets, creating a more flexible and convenient cashless payment network for customers.
Applying modern technology - Enhancing digital experience
Not stopping at upgrading infrastructure, Eximbank invests heavily in core technologies to create a long-term competitive advantage. New generation AI technology serves customer data analysis, AI virtual assistant answers all customer needs and helps make smart financial suggestions, support investment and manage spending effectively.
Cloud computing (Cloud Computing) helps increase flexibility, expand the system quickly and ensure stability and security. In addition, Eximbank builds a centralized data warehouse (Data Lake) and a Customer Data Platform (CDP) system to collect, process and analyze customer data from many sources, thereby personalizing products and services according to each specific need.
Management Information System (MIS) helps optimize business strategies and make decisions based on data. Eximbank also continues to research and apply blockchain to improve transparency in transactions, especially in credit contracts and corporate transactions.
Biometric security technologies, such as facial recognition and fingerprint recognition, are integrated into the user journey to improve asset protection and prevent financial fraud risks.
Towards green banking for the community
Green finance is becoming an important trend in the global banking industry, and Eximbank is also strongly committed to developing a green banking model, contributing to minimizing environmental impacts and promoting sustainable development.
The focus of the strategy is the group of 5E paperless office solutions to create an efficient and environmentally friendly working environment, including: electronic office (Eoffice), sales management and support system (ESale+), electronic contract (Econtract), digital form (Eform) and electronic business card (Ecard).
At the same time, Eximbank actively encourages customers to use digital banking, limit cash transactions to contribute to reducing carbon emissions from printing and transporting currency. The bank also implemented green credit packages, prioritizing funding for businesses implementing renewable energy projects, organic agriculture and sustainable production.
The 2025-2026 period will be a milestone marking Eximbank's strong transformation. With a three- pillar strategy: comprehensive digital transformation, application of modern technology and development of green banking for the community, Eximbank not only improves operational efficiency but also affirms its pioneering role in the journey of modernizing the banking industry in Vietnam.
