MSB affirms leading position in the digital race with a duo of next-generation banking platforms

In order to enhance the financial experience and provide maximum convenience to customers, MSB has simultaneously introduced two specialized digital platforms: MSB Business Banking (for corporate customers) and MSB Digital Bank (for individual customers). These products testify to MSB’s determination to implement its comprehensive 5-year digital transformation strategy, while also marking the occasion of its 35th anniversary (August 12, 1991 – August 12, 2026).

International standard technology platform and superior performance

Both new applications are built on Backbase – a modern digital banking platform trusted by many large financial institutions worldwide. Through this, customers have the opportunity to experience smart, safe, and fast international-class financial services.

This platform ensures high performance for the application, enabling smooth transactions anytime, anywhere, even under unstable connection conditions. The ability to process large transaction volumes simultaneously at high speed helps optimize time and operational processes for users.

To solve the information security challenge in the digital era, MSB Business Banking and MSB Digital Bank integrate modern multi-layered security including: FIDO transaction authentication, Face authentication, Bshield mobile app protection solution for iOS and Android operating systems; in collaboration with partners ePay, Trusting Social, and the Ministry of Public Security. This combination not only shortens transaction time but also establishes a solid “shield,” providing maximum protection for customers’ assets and data, ensuring a stable and reliable transaction environment.

MSB Digital Bank: Personalizing services and optimizing cash flow

MSB Digital Bank was developed with the goal of becoming a smart personal financial assistant, aiming to elevate the experience to accompany users in all areas of modern life. Not only upgraded in interface and user experience, the all-new MSB Digital Bank version also adds many attractive features and utilities awaited by customers such as: online account opening, super-fast card issuance, unsecured digital credit, continuous profitability, Marketplace utility ecosystem, online insurance, MSB Rewards exclusively for loyal customers, etc.

Another impressive highlight of MSB Digital Bank is the ability to personalize the customer journey. The application interface can change flexibly and offer privileges according to each customer segment (Priority Customers & Regular Customers). Besides, based on demographic information and financial behavior, the system will proactively suggest the most suitable products, features, and offers for each individual.

Aiming for an “all-in-one” financial ecosystem, the application quickly connects with third-party partners to expand utilities from payment and investment to credit. Customers can access unsecured digital credit packages with 100% online procedures, automatic approval, and disbursement within 3 minutes. In addition, integrated smart financial solutions also help cash flow in accounts generate continuous daily profits with attractive yields. Customers can flexibly withdraw money 24/7, making personal financial management more effective and proactive than ever.

MSB Business Banking: Comprehensive digitalization of core financial transactions

For corporate customers, the MSB Business Banking platform affirms its capability to fully meet essential financial needs such as: Corporate online accounts, payment transactions, domestic and international money transfers, international payments, online interest-bearing deposits, online loans, etc. The system allows for the smooth execution of multi-channel payment transactions, from internal to interbank transfers 24/7 without transaction value limits.

In particular, the foreign trade and international payment segment has now been 100% digitalized, helping businesses proactively sell foreign currency and perform cross-border money transfer orders completely online. Furthermore, administrative tasks such as payroll and batch payments for up to 5,000 accounts are also processed automatically by the system with absolute accuracy.

To safeguard the interests of businesses, MSB is committed to fully and accurately migrating all account information, balances, and transaction history from the old platform. To encourage early experience, MSB is implementing a program offering 01 year of free digital signature services for participating businesses. All accumulated M-Points are also fully stored by the system for customers to proactively redeem gifts and enjoy privileges.

According to an MSB representative: To ensure a smooth transition process, MSB is implementing a specific roadmap: new customers can experience the platform immediately upon launch, while existing customers will be gradually transitioned in phases (Corporate customers from March – December 2026 and Individual customers from June – August 2026).

For details on MSB products and services, please see here or contact the hotline at 1900 6083 (Individual customers) / 1800 6260 (Corporate customers).

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