A VIB representative stated that the bank is continuously expanding its role as a comprehensive digital financial ecosystem, catering to various customer groups. In the first half of the year, QR code transactions increased by 86%, while bill payments for utilities like electricity, water, and internet rose by 60% compared to the same period last year. New customers acquired through MyVIB grew by 84%, and the rate of regular active users is 21% higher than in the same period of 2024.

Users conducting transactions via MyVIB. Photo: VIB

Users conducting transactions via MyVIB. Photo: VIB

MyVIB currently serves over 70% of VIB's individual customers, processing millions of transactions daily. In 2024, an impressive 97% of transactions at VIB were conducted through digital channels, placing it among the highest in the industry. The app allows users to open accounts, transfer funds, make deposits, use QR code payments, apply for credit cards, withdraw cash advances, purchase foreign currency, book flights and hotels, buy movie tickets and insurance, and top up phone credit and game cards, all within a single platform.

The bank is also actively developing new products to benefit customers. For example, on 17/2, VIB launched the high-yield savings account on MyVIB, allowing idle funds to earn up to 4.3% annually while remaining readily accessible for spending. This feature attracted over half a million users within four months.

MyVIB also utilizes AI with ViePro, a 24/7 virtual assistant. It also uses Gen AI, Big Data, and Machine Learning to analyze financial behavior, provide spending suggestions, issue balance alerts, send payment reminders, and automate payments. Technologies like virtual camera, biometric identification, and cloud-native infrastructure enhance security and shorten transaction times.

Along with technological advancements, MyVIB offers numerous promotions. A program offering up to 50% cashback on utility bill payments, which has been running since 2023, provides both convenience and savings. Large-scale campaigns have also been organized, such as "Breakthrough transactions with MyVIB, drive a Mercedes home," with a Mercedes-Benz C 200 Avantgarde Plus as the grand prize, and "Say hi Las Vegas," an eight-day, seven-night tour with Anh trai say hi.

According to a bank representative, each promotional campaign is designed based on customer insights, encouraging them to explore the MyVIB ecosystem further. "With our technology platform and stable growth rate, we expect MyVIB to continue to be a secure personal finance management and transaction choice for Vietnamese users," the representative said.

Hoang Dan

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