“TPBank: Elevate Your Digital Life with Intelligent Banking”

The Intellectual Bank is a model that utilizes AI and smart technologies such as big data, RPA, and chatbots to operate more efficiently, better manage risks, and provide personalized experiences for its customers.

In this era of deep digitization, when all services can be accessed with just a tap, users seek a bank that not only offers faster services but one that understands them better. Embracing this understanding, TPBank’s journey towards digitalization is not just about providing numerous features but also about becoming an intellectual bank with a financial ecosystem empowered by AI, accompanying customers at every moment, catering to their habits, and addressing their unique needs.

With its unique technological mindset, TPBank, as an intellectual bank, doesn’t wait for users to express their needs before taking action. Instead, it always stays one step ahead, anticipating latent demands and even staying ahead of the times by 6-7 years, as evidenced by its early adoption of cutting-edge features like LiveBank 24/7 and the Paste to Pay function on the TPBank App. These innovations have become emblematic in the realm of digital finance, and only recently have a few other banks begun to offer similar technologies.

A seamless blend of modern technology and human intuition has driven TPBank to continuously develop products bearing the hallmark of an intellectual bank, where technology is not only smart but also user-friendly, approachable, deeply personalized, and emotionally connected to its users, much like a companion who understands you from your thoughts to your actions.

Banking transactions as easy as a conversation

ChatPay, a familiar feature to users of digital banking, is one of the pioneers in personalizing financial experiences through technology. Drawing from the popular habit of chatting via messaging apps, ChatPay enables users to perform money transfers in a conversational manner.

Transactions occur naturally as part of the conversation, where users simply input the amount, add a message, and hit send to complete the transfer without repeatedly entering information or disrupting the flow of interaction. The system automatically recognizes the recipient, suggests messages, and even allows users to set memorable names for future faster transactions.

Much like a conversation, where you can see the entire chat history, ChatPay displays all transactions with each contact. With each transfer, users can easily review their transaction history with the recipient and even summarize the number and amount of transfers—all presented in a vivid, engaging, and familiar manner, akin to chatting within a familiar messaging app.

Consequently, the financial experience becomes more personalized than ever, as each money transfer is linked, tracked, and remembered separately for each contact, much like entries in your phone’s address book.

Behind this convenience lies a system that integrates AI for recipient suggestions, context analysis, and an interface optimized for young users’ behaviors. ChatPay is not only intelligent but also profoundly empathetic, understanding that customers seek to simplify their finances without disrupting their digital lifestyles, especially during everyday moments like splitting a café bill, transferring lunch money, or sending congratulations on special occasions…

With Paste to Pay, TPBank has transformed the entire process of transferring money from a message into a single step: Copy and Paste. In the past, upon receiving a message like “Please transfer 2.35 million VND to BankX 0049xxxxxx, content: Linh’s monthly deposit 6”, Viet Anh had to memorize the information, switch between the chat and banking apps, and manually enter each detail—a tedious and error-prone process, especially when the message was unclear. Now, simply copy the message and paste it into ChatPay on the TPBank App, and the system will automatically analyze and fill in the transaction details accurately and instantly, without manual input or errors, completing the task in mere seconds.

The technology behind Paste to Pay is a combination of OCR (optical character recognition), AI language processing, and machine learning algorithms trained on millions of real transactions. However, the most critical aspect is the subtle product-thinking approach: refraining from flashy innovations and instead focusing on practicality and alignment with user behaviors.

Paste to Pay isn’t a technological revolution, but it’s a significant step forward as it brings convenience and comfort to customers, aligning with TPBank’s philosophy of “being present at the right time, in the right context, and in the most natural way.”

“Intellectual Bank” Unveils a Comprehensive Digital Ecosystem with a Distinctive Flair

ChatPay and Paste to Pay are just slices of a more extensive landscape that the intellectual bank, TPBank, is crafting: a seamless, personalized digital banking ecosystem, accessible across multiple platforms. With over 98% of transactions conducted through digital channels, TPBank has been investing heavily in core technologies like AI, RPA, Big Data, and Cloud while expanding its connectivity through the Open API platform, integrating financial services into various external systems such as e-commerce, insurance, education, and healthcare.

The TPBank LiveBank 24/7 system, an automated banking service supporting transactions outside regular business hours, introduces unprecedented flexibility and convenience to the customer experience.

TPBank’s strategy of “expanding the banking space” is further reflected in its presence on familiar platforms like Zalo mini-apps, e-wallets, and electronic payment gateways. As a result, the bank is no longer just a destination but a presence at every touchpoint, showing up where customers live and interact daily.

All these efforts are geared towards realizing the spirit of delivering “Ultimate Convenience—Live the Peak Life,” where technology not only facilitates transactions but also empowers customers to embrace their unique lifestyles: more convenient, proactive, and imbued with a strong sense of individuality in every interaction with the bank.

“We don’t develop technology to ‘keep up’ but to seamlessly integrate into our customers’ lives in the most natural way possible,” shared Mr. Nguyen Hung, CEO of TPBank. “Every convenience feature TPBank introduces stems from listening and understanding, not just to meet needs but to stay one step ahead, delivering financial experiences that are timely, contextually relevant, and aligned with each customer’s lifestyle. That’s why TPBank aims to build an ‘intellectual bank’ where artificial intelligence (AI) and smart technologies are extensively applied in banking operations to enhance efficiency, mitigate risks, and provide better experiences for our customers.”

It’s no coincidence that TPBank is regarded as one of the most pioneering and agile digital banks in the market. This distinction isn’t solely due to its speed in adopting technology but also its people-centric approach in every development decision. The conveniences offered are not just about “keeping up” with the latest trends but about seamlessly integrating into customers’ rhythms, naturally and personalized to their unique needs.

This is how the intellectual bank reshapes the relationship between users and the bank: not distant or overly technical, but approachable, smart, and effortlessly blending into the digital lives of its customers. Here, the bank is not just a destination to remember but a trusted financial companion, empowering each customer to thrive within a peak digital financial ecosystem, in their own unique way.