In Vietnam, the growth of technology is very hot and dynamic today, banks need to upscale their functionality as well as their service delivery if they want to survive and thrive in the market. To this end, digital transformation is paramount, more importantly, should be spearheaded by a professional company to help your company effectively transform.

With the digital banking solutions providers in the market, choosing the right one for your company is a difficult task. But a little research is worth it. If you’re seeking a high-quality digital banking solution provider in Vietnam, keep reading this article that can give you a helpful suggestion.

What is The Future of Banking?

Digital banking is a trend that all of the bank in Vietnam are looking to the futureDigital banking is a trend that all of the bank in Vietnam are looking to the future

The arrival of the Internet is synonymous with the rise in digital banking, fuelled by the advent of ATMs and debit cards in the 1960s. Today, thanks to the Internet and higher penetration of mobile devices, banks have been able to introduce multiple channels of engagement for their customers.

Digital banking offers convenience for both the banks and its customers. While customers can save time and hassle through convenient banking transactions that can be conducted on-the-go, banks save money on physical infrastructure and hiring costs by moving a part of their transactions online.

While branch banking continues to remain vital, the benefits of digital banking cannot be denied.  However, the banking industry is in the midst of a shakeup, which is increasing competition. So, a digitized future in the bank is certain.

Innotech Vietnam

Innotech Vietnam is a high-quality digital banking solution provider in Vietnam. The 2014 established software development company is located at the heart of Ho Chi Minh City and is the best place to go when you need software developed for the best performance and operation possible. Be appreciated for high-quality products, services, and innovative solutions in a fintech company. We strive to create innovation and develop advanced fintech solutions. We provide a wide range of software development services, ready to meet all customer service requirements. The products and solutions we offer based on these advanced technologies become valuable for our customers through professional project management methods and tools to help customers effectively manage progress and resources a force of the project.

Innotech's head officeInnotech’s head office

Innotech Vietnam has done more than 200+ projects for clients worldwide in Japan, the USA, Australia, Singapore and Vietnam. We’re confident to deliver even the most complicated software development project successfully in areas such as banking and financial, logistics, transportation, education, and other industries. More than 90% of companies have kept coming back to Innotech for a wide range of digital transformation and they enjoy the same standard of service every time. Besides, we are proud that we are trusted by many Institutions in Banking and Finance such as ACB Bank, Tyme Bank, Unifimoney, Manulife, Commonwealth Bank, …

Digital Banking Solutions were provided by Innotech Vietnam

Online Banking

To facilitate online use, most banks that offer online banking provide a host of high quality, technological solutions that make your banking experience easy and fast. The online banking development provides users banking services anytime and anywhere include:

  • View a summary of your account and transaction history
  • You can view or print your account statements and balances
  • Set up online payments and direct deposit services
  • Reorder checks for your account via the web
  • Some services allow you to export your account histories to third-party accounting software
  • Transfer funds from one account to another or make deposits which saves a lot of time and money for you.
  • Other accounts and services like CDs, IRAs, and others can be managed from the online account.

Personal Finance Planning

It’s an advanced feature of digital banking brings to users. Users can loan calculators, premium calculators, financial planning tools, tools to help analyze investments, budgeting, forecasting, and also tax preparation, etc. Most of the financial planning can be done efficiently on digital banking without the need to personally visit a bank.

EKYC – Verification Identity

With eKYC solution, user can use a fully digital transformation with high accuracy for onboarding, and loan appraisal for organizations: banks, digital wallets, financial loans,… through the only smartphone, the laptop that we can’t need go to the physical branches.

Mobile banking options

Users can do mobile banking app from anywhere and at any time only with smartphones. Just a few clicks on mobile phones, users can perform transactions include:

  • Transfer services allow users to transfer money to another person and between the owner’s accounts at different banks.
  • Payment services can directly pay the mobile fees, book tickets (movies, flights), automated payment for water/electricity bills, etc. In addition, users can set payments scheduling to make regular payments and pay bills in a snap.
  • Mobile banking app can integrate more features for users such as QR transfer, QR Payment, Snapshot, Biometric, Notifications,…
  • A chatbot on the mobile banking app can help 24/7 support and get professional consultation or advice anytime users need it.

Read more: “Reliable mobile development for banking company in Vietnam

Digital Wallet

Digital wallets are one of the Best Digital Banking Solution that Innotech Vietnam brings to. Users can make payments from these e-wallets at the shop, supermarket,… there is no need for a physical card.

Rewards and Loyalty Program(s)

These digitally integrated reward programs are more efficient cost-effective and measurable, reward and incentivization capabilities to customer acquisition and retention. Such as special gifts, promotion code, coupons, vouchers and cashback, etc. for regular users.

Non-Internet Based Phone Banking

Users have also been made more convenient digital banking services on devices that do not have an internet connection. These services include SMS, Missed Call and USSD banking.

  • With SMS and missed call banking services, you are only required to send a text or give a missed call on some specific numbers.
  • USSD banking lets you access a host of banking services just by dialing *99# from your mobile number and interacting with a menu.

They can be accessed from anywhere and at any time since they do not need an internet connection. Especially, they are free services and all transactions are completely cashless.

Dedicated Remote Adviser

Remote banking makes your banking experience simple and hassle-free by dedicating a digital relationship manager for their service at anywhen and anywhere.

Users can be assured of a dedicated relationship manager at their service, for taking care of all their banking and financial needs, during banking hours or even beyond them.

Why should you choose Innotech Vietnam?

  • Expert by experience

With more than 12 years of experience, Innotech Vietnam has experience in core banking software integrations for financial institutions such as ACB Bank, Tyme Bank, UnifimoneyManulife, Commonwealth Bank, etc.

  • Ready solutions

Technical solutions and demonstration of a product or technique are available.

  • Dedicated teams

With more than 80+ developers, UI – UX Design, BA, project managers and QA/QC. Innotech staffs have good knowledge of banking and financial operation.

Young, dynamic, professional and creative engineers combined with highly experienced expertsYoung, dynamic, professional and creative engineers combined with highly experienced experts

  • Reputation

Experience in consulting, deploying and managing mobile applications with more than 2 million users.

  • Cybersecurity

Maintaining the security and confidentiality of our clients’ projects is always our top priority. We try our best to respond to cybersecurity standards for the partner.

Read more case study:

If you are looking for Digital Banking Solutions to provide solutions for your company, we’re happy to grant our services. Contact experts at Innotech Vietnam for any questions about Digital Transformation!


Fintech Vietnam is a technology update portal about Fintech in Vietnam and Fintech trends worldwide.

Email: info@innotech-vn.com

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