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As VN banks digitise, customer service key


As VN banks digitise, customer service key

Customers use service at the Timo Hangout, No  一 七 Ngô Quyền Street in Hà Nội. — File Photo

HÀ NỘI — Customers must be at the centre of banks’ attention as they make a move towards digital transformation in an effort to adapt to a changing landscape of financial innovation and disruptive technologies.

This was said by head of Retail Banking at VP Bank, Sandeep Deobhakta, at a conference held in Hà Nội on Thursday, titled, ‘The Future of Finance in Việt Nam  二0 一 七.’

Deobhakta, who has been holding this position since May  二0 一 五, said customers in Việt Nam are very open to new technologies and the nascent retail banking industry in Việt Nam can also adopt these technologies faster than other markets if they put customers first.

In the future, traditional banks might lose business to companies that employ disruptive innovations if they failed to deliver better, simpler and faster solutions to customers, Deobhakta cautioned.

VP Bank has been working with Timo, Việt Nam’s first mobile-only bank, giving customers better solutions to manage their money, bills and the ability to top up their mobile cards through the Timo app. At Timo Hangouts, one can forget about a typical bank branch and instead enjoy a coffee as one opens an account and uses bank services.

Timo has about  四,000 customers in the HCM City and opened a Timo Hangout in Hà Nội last October, looking to attract more than  一00,000 users by next year.

Việt Nam has a huge untapped market for financial innovation, with only  二0 per cent of the population having bank accounts and  三 per cent owning credit cards, Foo Boon Ping, managing editor of The Asian Banker, said at the conference.

“The stable GDP growth of around  六 to  七 per cent, low wages, a large population with a high savings and strong innovative approach are crucial factors that will accelerate the financial and industrial development in the Vietnamese market,” he said.

“Digital transformation is driven by real business needs to transform to become more cost efficient and to serve your customers as their behavior and preferences change,” he added.

According to , there are only about  三 六 fin-tech companies in Việt Nam, with most focusing on providing consumers and merchants with online and digital payment solutions. — VNS


As VN banks digitise, customer service key



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