HÀ NỘI – Techcombank has been awarded the prestigious titles of Digital Bank of the Year in Vietnam and Best Mobile Banking App in Vietnam at The Asset Triple A Digital Awards 2025, marking the third consecutive year the bank has received this recognition.
These accolades underscore Techcombank’s continued dominance in the digital banking space, acknowledging its leadership in creating innovative, customer-centric digital experiences. The Asset Triple A Digital Awards honor financial institutions across the Asia-Pacific and Middle East regions that have excelled in digital transformation and the development of groundbreaking digital solutions.
Techcombank’s success is attributed to its advanced use of data and artificial intelligence (AI), exceptional digital banking platforms, and the development of pioneering digital services. The Digital Bank of the Year award highlights the bank’s commitment to innovation and its role in delivering hyper-personalized experiences to its growing customer base.
The Best Mobile Banking App award recognizes the stability and quality of the Techcombank Mobile app, which offers a wide range of banking services with seamless user experiences. The app’s performance and the simplicity with which customers can access banking services contributed to its acclaim.
Pranav Seth, Chief Digital Officer of Techcombank, commented, “We are reimagining banking in Vietnam with our hyper-personalized experiences and seamless customer journeys. Our investments in data and AI capabilities, along with our robust digital banking platform, are proving instrumental in delivering value to both Techcombank and our customers. We are well-positioned as leaders in digital innovation and are on track to achieve our vision of changing banking to change lives.”
By the end of 2024, Techcombank had successfully scaled its digital banking platform, serving over 15.4 million customers. The bank onboarded 3.6 million new customers over the past two years, with more than 55% of these sign-ups occurring through digital channels. Techcombank’s digital transformation has fostered one of the most digitally engaged customer bases globally, with 10 million retail customers actively using its mobile app. Additionally, 91% of retail transactions are now conducted online, with users logging into the platform an average of 56 times per month.
The bank’s innovative digital offerings, such as Auto-earning 2.0, are further elevating its services. This feature, available through the Techcombank Mobile app, allows both individuals and SMEs to easily earn higher interest on idle cash. By the end of 2024, Auto-earning 2.0 attracted over 2.6 million users and contributed to a record-high CASA (Current Account Savings Account) balance.
Techcombank’s hyper-personalized customer experience, powered by its AI-driven ‘data brain,’ was another area recognized by The Asset. In 2024, the bank utilized its AI-powered marketing stack to send over 680 million tailored messages to customers, offering personalized money management advice and product recommendations.
The bank was also praised for its Techcombank Rewards program, a pioneering loyalty initiative that has become the largest in Vietnam’s banking sector. Through this program, customers can accumulate and redeem loyalty points when transacting at over 420 partner brands and 16,000 nationwide acceptance points. By the end of 2024, Techcombank Rewards had attracted more than 10 million active users and processed over 720 million reward transactions.
In addition to these achievements, Techcombank’s integration of a wide range of financial services into a single mobile platform was highlighted as a key factor in its success. The inclusion of Techcom Securities within the mobile app, for instance, enabled 60% of new securities accounts to be opened entirely online, further enhancing accessibility and customer convenience.
Looking forward, Techcombank continues to enhance its digital infrastructure. In 2024, the bank moved its front-end digital banking platform to the cloud, significantly boosting scalability and platform stability. This shift will enable Techcombank to handle higher transaction volumes, supporting the bank’s rapid growth and expanding digital capabilities.
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