Throughout nearly three decades of companionship, VIB has always put customers at the center of all creative efforts in products and services to always be a part of the lives and unique stories of millions of customers.

Over the years, VIB has been highlighted through its innovation speed, providing an ecosystem of creative products, meeting most of the financial transaction needs of more than 5 million individual customers, tens of thousands of corporate customers and financial institutions through more than 12,000 employees. The bank's main products include: loans for buying townhouses, buying apartments, working capital loans, car loans, credit cards, deposits, FX, insurance, trade finance, transactional banking services and MyVIB digital banking application. The outstanding level of creativity of each product and service at VIB has been convincingly proven in many ways, through a series of prestigious awards from prestigious organizations to a strong brand impression in the minds of millions of customers. Continuous innovation: "Lead innovation or stay out of the game" Possessing a diverse and specialized product ecosystem, VIB aims to become a "smart financial friend" providing the most optimal solutions for customers. Each product is launched based on careful research on user needs and psychology to personalize every experience that 5.5 million customers expect.

" Innovation is the guiding principle in the journey of creating VIB's product ecosystem with the desire to bring the most optimal experiences to its customers, through streamlined, smart and reliable products. Over the years, we have determined: either lead in innovation or stay out of the game. This is the driving force that helps VIB continuously change to be newer every day on the basis of focusing on customers ", shared the Director of VIB Retail Banking.

The first innovative product is the MyVIB digital bank, which set a national record as " The first cloud-native mobile banking application in Vietnam " in 2022 and " The most user-friendly mobile banking application in Vietnam 2024 " as recognized by International Finance Magazine. MyVIB's interface has a minimalist design style, simplifying all banking transactions, ensuring that all user operations are as smooth, convenient and fast as possible.

MyVIB is a typical example of applying advanced technology to digital banking in Vietnam, notably including:

• Cloud-native: VIB pioneers in integrating cloud-native technology, allowing the building and operation of applications on cloud computing platforms, enhancing scalability, flexible operation and high security.
• Augmented Reality (AR): MyVIB provides an AR experience that allows users to access banking information and services in a more vivid way. AR technology creates virtual objects overlaid on real scenes, making financial transactions fun and accessible.
• High security: MyVIB continuously improves security with advanced technologies such as biometric authentication (fingerprint and face), two-factor authentication (2FA) and NFC technology, ensuring safety and convenience in the registration and transaction process.

In terms of credit cards, VIB not only owns an ecosystem of innovative cashless payment products, personalizing each customer's spending needs according to their age, but also leads the card technology trend in Vietnam and even reaches out to the region. VIB has won high international trust from the world's largest payment organizations. With an impressive number of 800,000 credit cards issued to date, VIB has written a story of creativity and innovation as one of the "Leading the card trend" banks. Each newly launched card product represents unlimited creativity, contributing to VIB's huge collection of awards. The most prominent are the awards " First bank to apply Augmented Reality (AR) technology to credit cards in Vietnam " from VISA and " Breakthrough in credit card digitalization " from Mastercard in 2023. Or Online Plus 2in1 associated with the pioneering milestone of integrating credit cards and payment cards in Southeast Asia, bringing the award "Leading Bank in Innovation and Creativity 2021" from Mastercard to VIB. Family Link is also " Best New Card Line 2022" and "Most Innovative Card Service 2022 " voted by Mastercard. In 2023, VIB Super Card continues to set a record: The first credit card product that allows users to choose the cashback or points feature, choose the card number and image printed on the card, statement date and minimum payment amount. With a cashback rate of up to 15%, the card product in cooperation with American Express also recorded the fastest issuance speed ever of VIB, reaching more than 5,000 cards after only 3 months of launch. Over the years, VIB has also made its mark in creative communication methods, spreading the dynamic banking brand to users. The bank has paved the way for the trend of accompanying reality music shows on television, twice winning the "MMA Smarties Vietnam" creative marketing award with the show The Masked Singer Vietnam 2022-2023 and leaving a good impression with the global show with tens of billions of views "Say Hy" Brother.

MC Tran Thanh - who has accompanied VIB through programs in the past few years, shared: " Through game shows with VIB's companionship, Tran Thanh feels the youthful energy and fresh breath that the bank continuously brings to the audience and to the program. The more Thanh researches the product, the more he 'sticks' to VIB and becomes a customer who deposits savings to open a credit card. For a busy person like Thanh, the MyVIB app is minimalist and smart, easily paying all due bills at once. It can be said that meeting each other is fate, but being with VIB for a long time is thanks to the quality and reputation of the bank, and the benefits that VIB gives to users". VIB is also the bank that brings to the Vietnamese cashless payment market new concepts such as "virtual card", "virtual switchboard", virtual financial expert... In particular, VIB's Virtual Financial Expert Vie was honored by the owner of Facebook social network (Meta) with the " Best in Creatives 2023 " award, for the most creative solution to exploit the power of conversational marketing. Launched in 2022, Vie has appeared dynamically across digital marketing platforms to provide interesting financial advice, promoting the "real interactive virtual model" to become the future standard of the financial services industry. The guiding principle throughout: Taking customers as the center Since its inception, VIB has built and developed an ecosystem of products and services based on a thorough research process of the financial needs of individual customers. The bank's products and services have been and are superior to the market because of the bank's strictness, which is reflected in its ability to name and lead trends with spending solutions and effective use of financial leverage for customers. This requires a thorough understanding of each customer's financial needs, in order to design personalized, creative, unique products with outstanding benefits and especially bring users a truly complete experience.

Providing the best experience for every customer is a solid foundation for VIB's business strategy. During 28 years of companionship, VIB has always strived to bring creativity and modernity into the financial lives of millions of people, because each customer is a unique story and they need to be listened to, shared, thereby improving the quality of their own experience. "In my most difficult times, VIB has always been with me, from encouraging my spirit to trying to provide the most practical ways to help me overcome. I feel that this is not just a simple banking service, but also dedication. I truly appreciate those feelings." - Ms. Tran Bich Chau (HCMC) shared about her journey with VIB over the years. Along with millions of other users, she believes in choosing VIB because "always putting customers at the center" in every transaction and interaction experience. Respect and care for each customer has been built into a consistent and standardized set of rules for service and people by the bank. Whether at the counter or the call center, customers receive dedicated advice that best suits their financial needs, and handle any problems that arise effectively, thereby building trust and long-term commitment to VIB. Throughout the sales and post-sales process, VIB focuses on two factors: timeliness and completeness. The bank strives to shorten customer waiting time through three digital channels: call center, virtual assistant and chatbot, to receive and process needs immediately through the application of modern technologies, such as voice authentication technology deployed from April 2023. Particularly for the call center channel, more than 90% of customers responded with satisfaction. Along with that are many support programs and competitive incentives compared to the whole market. Most recently, VIB launched a home loan package with a total limit of up to VND30,000 billion, fixed interest rates from 5.9%, 6.9%, 7.9%/year for terms of 6 months, 12 months and 24 months, with a principal exemption policy of up to 48 months. This is the largest loan package ever of the bank, helping individual customers easily access capital with attractive interest rates, quick and efficient loan processes.

Previously, VIB also made a splash with its apartment loan package, with interest rates starting at 5.9%/year and principal repayment waivers up to 5 years, achieving many positive results. For credit cardholders, VIB Daily Deals has become a familiar paradise of deals that any cardholder must visit to find delicious places to eat, have fun, travel around town, travel domestically and fly around the world more economically... The 20th of every month is considered a familiar Spending Day for many people because they can enjoy countless deals from VIB.

VIB is also meticulous in every after-sales care action for customers, bringing many memorable moments. Sharing about recent memories with VIB in the online community of more than 20,000 members, Mr. Dinh Van Hung (Hanoi) highly appreciated not only the card incentives but also the "additional" services from the bank. "I have been using VIB for 7 years and personally, I find that VIB is increasingly improving in service quality. The five types of VIB credit cards that I use always have better incentives than before, more features, and are at the forefront of cashback incentives. I appreciate the way this bank continuously upgrades its services, always listens and cares about the needs of customers, " said Mr. Hung.

Celebrating its 28th birthday, VIB is entering a new phase with many promises of innovative products and more dedicated services. Everyone's life is full of memorable moments, and VIB will continue to accompany and help make every moment complete, based on nearly three decades of understanding its market segments.

Source: https://thanhnien.vn/vib-hanh-trinh-28-nam-sang-tao-va-huong-toi-trieu-khach-hang-viet-185240917181052618.htm