​​​​​​ Retail banking Vietnam Maritime Commercial Joint Stock Bank honored at the 2025 International Innovation Awards

Ms. Nguyen Thi My Hanh – Deputy General Director and General Director of Retail Banking of Vietnam Maritime Commercial Joint Stock Bankrepresented to receive the award (Photo: BTC)

This achievement comes from the online super-fast credit card issuance solution for individual customers (Vietnam Maritime Commercial Joint Stock Bank Ultra-Fast Digital Card Issuance Solution). Being recognized by Enterprise Asia – a prestigious international organization in the field of sustainable development and innovation not only demonstrates Vietnam Maritime Commercial Joint Stock Bank’s efforts in pioneering technology application, but also marks an important step forward for Vietnam Maritime Commercial Joint Stock Bank Retail Bank in the journey to improve digital financial experience for Vietnamese people.

The 2025 IIA International Innovation Awards focuses on honoring businesses with outstanding contributions to innovation in products, services, operations or corporate culture. This year, the jury evaluated hundreds of applications from many organizations in the Asian region. In the context of a strongly competitive financial and banking market, the fact that Vietnam Maritime Commercial Joint Stock Bank has once again affirmed its mark at international awards shows the effectiveness of its comprehensive digital transformation strategy, especially in the retail segment – an area that Vietnam Maritime Commercial Joint Stock Bank has identified as a long-term development focus.

Vietnam Maritime Bank’s super-fast credit card issuance solution is deployed with the goal of optimizing the entire customer experience journey, from registration to card ownership. Customers do not need to provide proof of income or handle complicated procedures like traditional models. Instead, Vietnam Maritime Commercial Joint Stock Bank applies an automatic appraisal system and big data, allowing approval in just about 10 minutes, customers can receive the card and use it immediately.

With the online super-fast credit card issuance solution, individual customers of Vietnam Maritime Commercial Joint Stock Bankcan receive cards and use them immediately (Photo: Vietnam Maritime Commercial Joint Stock Bank)

Not only stopping at speed, Vietnam Maritime Commercial Joint Stock Bank’s solutions are also highly appreciated for their strong personalization ability, meeting a variety of financial needs of each customer group. Vietnam Maritime Commercial Joint Stock Bank currently offers a rich portfolio of credit cards, from cards specializing in refunds for travel and online shopping to cards optimized for family needs or cash withdrawals. Each card line is designed with a unique incentive system, bringing high value in practical use and suitable for the spending style of modern Vietnamese people. This diversity helps Vietnam Maritime Commercial Joint Stock Bank reach many user segments, strengthening its position as one of the banks with the leading comprehensive card product ecosystem.

After a short period of implementation, the speedy online credit card opening process has brought outstanding business results for Vietnam Maritime Commercial Joint Stock Bank Retail Bank. More than 180,000 customers have registered to open cards online, of which over 34,000 cards have been successfully approved. The rate of customers using cards after approval reached nearly 90%. The total credit limit granted through this channel has exceeded 1,000 billion VND, affirming that this is one of the solutions that positively contributes to the growth of Vietnam Maritime Commercial Joint Stock Bank in the card segment.

This solution also shows the strong commitment of Vietnam Maritime Commercial Joint Stock Bank in ensuring transaction safety, a factor considered a core factor when customers increasingly prioritize digital financial activities. The bank applies EMV 3D Secure technology and biometric authentication to protect customer information and transactions. On the Vietnam Maritime Commercial Joint Stock Bank mBank digital banking application, users can proactively enhance security by enabling or disabling transaction types such as Automated Teller Machine withdrawals, POS payments or online payments; Adjust transaction limits by day; or monitor usage history in real time.

Another outstanding advantage of the Vietnam Maritime Commercial Joint Stock Bank system is the ability to support one-touch payment through links with international platforms such as Apple Pay, Samsung Pay, Google Pay and Garmin Pay. This integration helps shorten payment time, improve experience while still ensuring safety. This also confirms the efforts of Vietnam Maritime Commercial Joint Stock Bank in catching up with the booming digital payment trend in Vietnam and globally.

In December, Vietnam Maritime Commercial Joint Stock Bank will introduce an upgraded version of the super-fast digital credit card flow on the new Vietnam Maritime Commercial Joint Stock Bank Mobile App (new Vietnam Maritime Commercial Joint Stock Bank Mobile App) with an optimal, intuitive and personalized experience at a higher level.

The IIA 2025 Award is not only international recognition but also a motivation for Vietnam Maritime Commercial Joint Stock Bank to continue investing strongly in technology, data and digital ecosystem. The bank aims to build flexible, minimalist and deeply personalized solutions, suitable to the specific characteristics of each customer segment, thereby improving service quality and strengthening its position in the retail banking sector.