OCB received the "Fastest Growing Digital Bank in Vietnam 2025" award at the end of June 2024. According to the bank, OCB is among the leading banks in digital transformation, having built a solid foundation for many years.

"We have invested methodically and professionally in our technology systems. This has allowed us to meet all the criteria and successfully navigate numerous selection rounds to achieve this award," a representative said.

This technology focus is evident in the new version of OCB Omni, the bank's digital platform, launched in May 2024. All OCB Omni services are designed based on an understanding of customer needs, applying modern technology to provide convenience and a personalized experience.

Customers transacting at the bank. Photo: OCB

Customers transacting at the bank. Photo: OCB

The application is built on real-time analysis of customer behavior and needs. The system proactively offers suitable suggestions, recommends products and services at the right time, and personalizes offers directly on the digital platform, such as interest rates and discount codes. The platform is also flexible in its interface, pre-filling information from previous interactions and personalizing touchpoints to simplify and shorten transaction times.

OCB Omni currently integrates over 200 utilities on one platform. In addition to basic features, the application has developed many specialized services for different customer segments: smart group bill payment for households, hands-free transaction assistants for priority customers, and comprehensive tuition payment solutions for major universities.

Furthermore, OCB Omni partners with over 6,000 retail stores offering a variety of services and exclusive discounts for customers paying through the application. The bank's representative considers this a step forward in unifying the financial and digital consumption experience.

The digital bank also utilizes technology to enhance online transaction security with FIDO authentication, which uses a biometrically combined encryption algorithm and multi-layered security for signing each transaction. This method uses artificial intelligence (AI) in customer care and experience enhancement, such as AI Chat Bot and Marketing Automation.

Thanks to these solutions, transaction processing time on OCB Omni has been reduced to just 1–2 seconds, three times faster than the previous version. Processes such as eKYC account opening, international money transfers, and credit card applications have all been digitized, saving operating costs.

In 2024, revenue from digital banking services increased by 21% compared to the previous year. Digital banking revenue accounted for over 12% of total service revenue, a 7% increase compared to 2023.

OCB's user base has also grown, with the number of new accounts opened through digital banking channels in 2024 reaching over 50,000 accounts per month, accounting for over 80% of all new accounts. The rate of active users also increased by nearly 10% compared to the previous year, thanks to products and services that quickly meet customer needs, customer retention programs, and improved user experience. The application is also highly rated by customers for factors such as transaction speed, user-friendly interface, and high security.

Along with the launch of the new version of OCB Omni, the bank continuously introduces financial products tailored to each customer segment: Liobank, a digital bank for young people, and OCB Smart Merchant, a sales management and smart payment solution designed specifically for merchants and SMEs.

OCB is also one of the pioneering banks implementing the Open Banking model. The system currently has over 200 Open APIs and processes an average of over 6 million transactions per month. By the end of 2024, the number of customers connected to Open API increased by nearly 2.5 times, and the number of new partners also nearly doubled the total accumulated in previous years.

This has contributed to raising the average CASA (Current Account Savings Account) ratio to over 30% for partners using Open API at OCB. In 2025, the bank aims to achieve 200% growth in the number of corporate customers using this solution.

An OCB representative stated that the bank aims to build a comprehensive digital financial ecosystem that meets the needs of both individual and corporate customers. "We are not just developing individual products, but building a modern, flexible, and highly adaptable financial platform," the representative said.

The representative added that being named the "Fastest Growing Digital Bank in Vietnam 2025" is a testament to these efforts. The award also demonstrates the international financial community's recognition of OCB's development of a digital banking model and promotion of innovation.

The Global Banking & Finance Awards (GBAF) is a prestigious annual awards program that recognizes financial institutions for outstanding contributions in innovation, operational efficiency, and positive impact on the global financial market. The awards are judged by a team of economic experts, with the participation of major financial institutions in many countries, ensuring objectivity and a multi-faceted evaluation process. With nearly 10 million visits per year and over two million readers worldwide, GBAF is recognized as one of the most reliable, transparent, and influential award programs in the international financial and banking community.

Hoang Dan