Core Card Central platform for cashless payments
Core Card system manages the entire life cycle of bank cards, from issuance to transaction processing and security. Core cards are the heart of operating millions of card transactions every day, playing an important role in ensuring speed, safety and accuracy for card payment activities. According to the State Bank's report, cashless transactions in Vietnam have grown strongly in recent years, with more than 90% of bank transactions conducted via digital channels and the rate of adults owning bank accounts exceeding 87%. In that context, the effective operation of the Core Card system becomes a vital factor to help the bank meet modern customer needs and maintain competitiveness.
Eximbank deploys new Core Card: Accelerating digital transformation and international integration
Responding to the trend of comprehensive digital transformation, on May 23, 2025, Eximbank officially deployed the new Core Card system (New CMS) on the Way4 platform of OpenWay - the world's leading Core Card solution provider based in Belgium. This system inherits existing functions and adds many outstanding improvements, including support for diverse cards such as debit, credit, prepaid, virtual and co-branded cards. The card issuance process is completely automated from the proposal stage to approval and issuance of cards, shortening processing time and minimizing manual errors.
Choosing Way4, Core Card platform trusted by many major banks in Europe, the US and Southeast Asia also helps Eximbank integrate more deeply with international standards, improve security and the ability to expand services in the future.
Outstanding utilities and practical benefits for customers
The new Core Card system allows customers to use self-service services such as locking/unlocking cards, reissuing PINs, and spending management via Eximbank EDigi and Ebiz digital banking applications. The security system is upgraded with EMV, PCI DSS and 3D secure standards, announcing card transactions via OTT in real time, contributing to minimizing fraud risks and maximum protection of user rights. In addition, personalized points accumulation, refund and promotion programs are designed to automate, helping customers receive real value from their cards.
In addition, Eximbank has developed new digital card products such as Virtual Card virtual card, flexible installment service on card balance and cash transactions, and the ability to issue cards online quickly, contributing to diversification of choices and convenient for users.
Mr. Nguyen Huong Minh - Deputy General Director of Eximbank and Director of the Project Board replacing the Core system shared: “The implementation of the new Core Card system is not only a simple technological upgrade but also a strategic foundation to help Eximbank adapt to the continuous changes of digital financial markets. Core card systems create conditions for us to quickly deploy new, diverse, diverse products, diverse products and services At the same time, improve the level of security and safety in each transaction.
Mr. Huynh Bao Phuong - Director of the Card Center said: "The successful operation of the new Core Card system is a strategic milestone in Eximbank's comprehensive digital transformation roadmap. The system helps automate the card issuance and management process, ensuring immediate transaction feedback, real-time security, thereby improving the user experience.
The integration of multi-channel card systems such as EDigi, Ebiz and international e-wallets Apple Pay, Google Pay, Samsung Pay, Garmin Pay opens up opportunities for comprehensive service development, while helping Eximbank deeply integrate with global standards. We appreciate the support from OpenWay and card organizations such as Visa, Mastercard, JCB, UnionPay and Napas. We believe that the new system will help Eximbank make a strong breakthrough in digital transformation and accompany the Government in promoting cashless payments.
In the context of the trend of electronic payments continuing to develop and competition between banks increasingly fierce, investing systematically in Core Card systems is a vital factor for banks to not only keep up but also take the lead. With the modern Core Card system, Eximbank has created a clear competitive advantage, laying a solid foundation for the development of a diverse, safe and convenient digital financial ecosystem.
Eximbank is affirming its pioneering position in the banking technology revolution, opening an era of smart payments, promptly meeting the increasingly high expectations of Vietnamese users.
