In the digital banking landscape, some organizations are shifting their focus from mere transactional digitization to a comprehensive core product revamp. VIB, with the launch of the Super Quartet, is not just digitizing but building a personal finance ecosystem infused with fintech DNA, striking a balance between compliance and synchronized omnichannel integration while empowering customers.
Fintech DNA: From Concept to Operational Reality
Fintech DNA is more than a term describing the integration of technology in finance; it’s the distinctive genetic makeup that shapes the identity and core capabilities of a modern digital bank. Pillars such as AI, Big Data, Blockchain, Cloud Computing, Open API, and a Mobile-First philosophy form the foundation of a seamless, flexible, and highly personalized financial ecosystem.
With the Super Quartet, VIB has embraced the philosophy of composable banking, a model adopted by leading fintechs worldwide. Each product and feature is designed as a standalone module, allowing for flexible upgrades and combinations to cater to diverse user needs.
Previously, VIB was the first bank in Vietnam to implement a 100% online credit card issuance process. Customers could apply, receive, and use their cards instantly across VIB’s multi-platform ecosystem (website, MyVIB, Max by VIB) and partner platforms (Zalo, Momo) without any paperwork. In parallel, the bank enhanced personalization through Super Card, enabling customers to choose their preferred cashback categories, statement dates, and payment methods suited to their usage phases. This marked a significant advancement by designing a real-time customizable service instead of a static configuration.
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VIB has not only digitized card issuance but also infused technology into the post-issuance experience. Newly introduced features like PayFlex, PayEase, and Pay Safe testify to this. PayFlex enables cardholders to choose their preferred source of funds (credit or debit) for spending. PayEase allows for instant conversion of purchases into installments, while Pay Safe enhances transaction security. All these features are seamlessly connected within a digital journey, and AI and data analytics automate limit approvals, limit changes, personalized offers, and multi-layered transaction security.
The Super Quartet: A Fintech-DNA-Infused Personal Finance Super Ecosystem
The Super Quartet is a next-generation personal finance ecosystem that empowers users to manage their cash flow, spending, and borrowing with unparalleled flexibility and autonomy. The four cornerstone products within this ecosystem include:
Super Card – A highly personalized credit card: Instead of offering a one-size-fits-all card, VIB empowers users to design their experiences by choosing cashback categories, statement dates, and payment due dates. Each card is unique, tailored to individual behaviors and preferences.
Super Account – A Super Interest account offering up to 4.3%/year interest rate on flexible spending funds, optimizing the value of idle money. This exemplifies how VIB applies the composable banking model, combining the strengths of traditional banking products with modern financial technology.
Super Pay – A proactive payment solution offering flexible installments, secure transactions, and seamless integration: Super Pay boasts three standout features: PayFlex enables cardholders to choose between credit or debit sources for each transaction made with their VIB Visa card. PayEase provides the freedom to opt for installments, select tenors, and perform entirely paperless transactions. PaySafe offers proactive security controls, allowing users to enable/disable payment functions, OTP, and lock/unlock their cards in real-time.
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Super Cash – A groundbreaking lending solution, Super Cash allows users to seamlessly shift their credit limit of up to VND 1 billion between their credit card and cash loan, a first in Vietnam. Entirely digital, the process is facilitated through the Max by VIB app, with disbursements made within 5 minutes and no paperwork or prepayment fees involved.
With the Super Quartet, VIB isn’t merely applying technology; it’s reshaping product thinking, shifting from service provision to empowering users. Technology isn’t an endpoint but a tool to empower customers to take charge of their financial journeys. Once again, VIB has proven and actualized its vision of “Leading the Card Trend.”
Experience the Super Quartet for yourself here.
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