Touch the future of finance with 'Intelligent Bank' TPBank

Touch the future of finance with "Intelligent Bank" TPBank

Open an account and receive a card at home in 5 minutes, transfer money as easily as texting, transact 24/7 without having to meet a teller - these future conveniences have now become reality thanks to TPBank's "intelligent banking" model.

"Intelligent Bank" - The step from digitalization to intelligence

"Intelligent Bank" is not just a story about bringing digital technology into financial operations, but a revolution that helps banks learn - think - act. Based on three strategic pillars: AI-Top (centered on artificial intelligence), Data-First (prioritizing the exploitation of big data power) and Cloud Ready (ready to operate flexibly on the cloud platform), this model opens a completely new era of operation.

According to the Vietnam Banking Association, 85% of banks in the world have built AI strategies, nearly 60% of employees use AI every day. It is forecasted that investment costs for this technology will increase more than 14 times, reaching 85 billion USD by 2030. Big names such as Bank of America or American Express have demonstrated clear effectiveness when integrating AI into actual operations.

In Vietnam, the banking industry is making a strong breakthrough, continuously applying advanced technology to improve customer experience - optimize operations - opening the era of smart financial services.

Standing out in this wave, TPBank is a pioneer bank in putting the AI-Top - Data-First - Cloud Ready philosophy into practice, gradually becoming a true "intelligent bank", not only catching up with global trends but also being one step ahead in applying AI and smart automation.

"TPBank is transforming itself into an Intelligent Bank - where technology knows how to "learn", "think" and "act" for customers. With more than 80% of new technology at TPBank currently having AI, the bank is creating a new standard in the way banks connect and serve, based on three clear strategic pillars: AI-Top, Data-First, Cloud Ready", Mr. Nguyen Hung, General Director of TPBank shared.

Starting with a vision - Leading with technology

Since 2017, TPBank has realized the AI-Top philosophy with the launch of T'Aio - the first AI virtual assistant in the Vietnamese banking industry. Not just a chatbot that answers questions, T'Aio is a "real assistant" that can remember, learn and adapt to each customer's behavior, serving 24/7 without a single call or step to the counter.

Not stopping there, TPBank continues to shape a new standard with LiveBank - a "never-sleep" automated banking system that operates 24/7. By exploiting the power of AI and the Data-First strategy, LiveBank recognizes faces in just 3 seconds, supports account opening and card issuance in 5 minutes, completely contactless - no paperwork - no queuing. This is a step forward to make TPBank the first bank in Vietnam to operate a comprehensive automated banking model.

TPBank is the first bank in Vietnam to operate a comprehensive automated banking model with LiveBank.

Innovation from the core: From basic automation to directed intelligence

Initially, TPBank used hundreds of software robots (RPA) to handle repetitive business processes such as accounting, credit, and post-audit. This is the foundation to help the bank speed up and minimize manual errors.

Following the AI-Top philosophy, TPBank upgraded its systems, integrating additional layers of advanced technology such as AI Copilot - supporting smart decision making for employees, and Hyperautomation (super automation) including RPA, AI, machine learning and natural language processing (NLP). Thanks to that, TPBank's system not only performs operations but also understands the context and automatically takes appropriate actions.

TPBank not only performs operations but also understands the context and automatically takes appropriate actions.

Based on the IBM Cloud Pak for Data platform (an integrated, hybrid cloud platform designed to collect, organize, analyze and use data effectively), TPBank builds machine learning models to serve behavioral analysis, predict credit risks, optimize marketing and customer experience in real time. TPBank is moving towards a near-touchless operating model (Touchless Banking), where most processes are handled by artificial intelligence and continuously operated intelligently.

TPBank also clearly demonstrates the Cloud Ready philosophy by applying the CI/CD (Continuous Integration/Continuous Deployment) automation model, allowing the development team to continuously update features and patch bugs on the cloud computing platform. This is a common standard in large technology companies such as Google and Amazon. Every week, TPBank's internal technical team develops 3 to 4 new software robots to serve customers better and improve internal management efficiency.

Deep personalization, the bank not only transacts, but also "understands" you

TPBank is steadfast in its goal of delivering the "right person - right time - right need" experience by fully exploiting the power of customer data (Data-First). Every customer interaction becomes a piece of data, helping the AI ​​system analyze, learn and give appropriate responses almost immediately.

With VoicePay, customers only need to say naturally: "Transfer 500,000 to mom" - the system immediately understands the request, verifies biometrics via voice or face, and completes the transaction in just a few seconds. This is not only shortening the operation, but also transforming the way people communicate with the bank, from "entering orders" to "talking" like with an assistant.

In addition, ChatPay on the TPBank application is designed in a familiar chat style, providing a money transfer experience as simple as sending a message to a friend. In particular, the Paste to Pay feature allows users to simply copy and paste transfer information from the message into ChatPay, the system will automatically recognize and pre-fill the necessary fields, helping transactions to be carried out quickly without manual data entry. Behind the friendly interface and features is a powerful AI platform, analyzing transaction habits, making smart suggestions and ensuring fast - accurate - absolutely safe processing.

TPBank App has received many positive feedbacks from users with its "right person - right time - right need" features and experiences

TPBank also integrates advanced security layers such as multi-factor authentication (MFA), end-to-end data encryption and biometric anti-counterfeiting technology. This ensures that, even though the experience is highly personalized, safety is always the number one priority. This is the difference between a "digital bank" that is just convenient and an "intelligent bank" that is intelligent, understanding and trustworthy.

The digital transformation journey of the banking industry is certainly not over yet - and AI will be at the heart of the next wave. TPBank not only proves what AI can do, but also shapes how to deploy it effectively, sustainably and humanely, towards a financial ecosystem where technology serves people in the closest way, while still ensuring international standards of safety and transparency.