MSB is investing in data infrastructure and marketing technology (Martech) to understand its customers, going beyond simply digitizing products and services. A multi-layered data analysis system helps the bank capture customer behavior, habits, and service consideration timing. This allows MSB to design appropriate and timely advertising messages, products, and promotions, creating a surprising experience. The bank's representative stated that each interaction is not just a financial transaction but also contributes to increased engagement, helping MSB serve and accurately meet customer needs.
The bank has also implemented an embedded banking model. Specifically, customers can open an MSB account via the VneID link on Zalo's ChatBanking app instead of downloading a banking app. MSB has also integrated AI to advise, support, and process transactions, enabling customers to transact seamlessly from anywhere.
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MSB signs a cooperation agreement with VNG Corporation. Photo: MSB |
MSB signs a cooperation agreement with VNG Corporation. Photo: MSB
Furthermore, MSB is expanding cooperation with strategic partners like TAPTAP, integrating financial services into digital shopping and entertainment ecosystems to create a seamless experience from consumption to banking transactions. With this approach, MSB promotes the bank's presence in customers' daily lives.
Simultaneously, the bank is focusing on developing digital products, combining processing speed, flexibility, and personalization to create a competitive edge. A notable example is M-Flex, an online mortgage service with a maximum limit of 15 billion VND, approved within 4 business hours. The entire process, from registration and approval to disbursement, is done online, saving customers time and allowing them to seize business opportunities promptly. In addition, the bank has developed Sinh loi khong ngung, a flexible investment account with higher-than-average returns, allowing customers to manage and generate profits from idle capital anytime, anywhere.
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Customers can easily experience the utilities on the MSB mBank application. Photo: MSB |
Customers can easily experience the utilities on the MSB mBank application. Photo: MSB
A bank representative said these products are built on a modern digital platform, optimized from interface to operation, and integrated with other MSB services to instantly meet customers' financial needs conveniently.
According to the bank's representative, digital transformation is a crucial strategy to realize the goal of "Cung vuon tam" (Reaching new heights together). Through this strategy, MSB hopes to contribute to promoting the digital lifestyle of Vietnamese people and the innovation of the Vietnamese banking industry, thereby reaffirming MSB's position in the community's financial transactions throughout its 34 years of establishment and development.
Minh Ngoc
