Bank

“VIB Deputy CEO: Every Vietnamese Can Make Every Dong Profitable, Whether Saved or Spent”

VIB (International Bank), a frontrunner in digital transformation, once again captures attention with the launch of its Profit Duo—a powerful combination of the Super Interest Account and the global VIB Smart Card. This innovative offering delivers a "save and earn – spend and gain" model, providing a cumulative benefit of up to 9.3%.

Administrator

19 October, 2025

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More than just a financial product, this is an actionable financial philosophy where technology, data, and user experience converge to forge a new path: every penny works, every transaction yields profit.

Ms. Tuong Nguyen, Deputy CEO of International Bank (VIB), shared strategic insights into the journey of creating this new-generation financial model, along with the aspiration to bring Vietnamese people closer to smart financial experiences.

– As Vietnamese become more cautious with investments, what does VIB aim to change in their financial behavior with the introduction of the Profit Duo?

Ms. Tuong Nguyen: After a period of volatility, Vietnamese prioritize safety but still expect clear benefits for every penny. We began collecting data, researching, and analyzing, identifying three standout features in personal financial behavior: (1) significant idle funds awaiting investment opportunities, (2) funds in payment accounts remaining untouched, and (3) a growing trend in spending, especially online shopping. These gaps represent opportunities for VIB to turn into real profit for customers.

From these insights, we launched the Super Interest Account on February 17, 2025, a tool to make idle money profitable daily. In September, VIB introduced the Profit Duo, combining the Super Interest Account with the global payment card VIB Smart Card, expanding benefits to spending—ensuring customers “profit whether they save or spend” with a total benefit of up to 9.3%.

– This sounds like the concept of “actionable finance”?

Ms. Tuong Nguyen: The actionable finance trend marks a shift from “passive finance” to “continuous financial operation,” a new trend in personal finance where every money movement—saving or spending—creates real value. Through technology, big data, and automation, each financial action is optimized for real-time profit or cashback, enabling smarter and more flexible financial freedom.

The Super Interest Account and VIB Smart Card operate seamlessly on the MyVIB app without complex user actions. This is our philosophy: let technology work while customers enjoy the results, seeing their money grow smarter daily.

– What long-term vision does the Profit Duo reflect for VIB?

Ms. Tuong Nguyen: The Profit Duo is part of VIB’s strategy to shift from “providing financial services” to “creating a personalized and intelligent financial ecosystem.” In retail finance, sustainable advantage lies not in interest rate competition but in delivering real value.

The Super Interest Account, launched in February 2025, has recorded over 700,000 new accounts, becoming one of the fastest-growing products with 100,000 new accounts in a single day, earning the title “Bank with the Most New Profit Accounts Activated in a Day in Vietnam” from the Vietnam Records Organization. It also received three prestigious international awards shortly after launch.

The VIB Smart Card, the second component of the Profit Duo, completes the dual profit cycle with 1–5% cashback on all online transactions, up to 10.8 million VND/year, with no minimum spending requirement.

As users see profits and cashback transparently displayed on MyVIB, they develop more dynamic and strategic money management habits.

– Do you see the Profit Duo as the beginning of VIB’s comprehensive financial management model?

Ms. Tuong Nguyen: Absolutely. In the future, accounts and cards will evolve into personal financial coordinators. The Profit Duo is the first step toward this realization.

– Both Profit Duo products are integrated into MyVIB. What unique digital financial experience does the bank aim to deliver?

Ms. Tuong Nguyen: We believe MyVIB, powered by cutting-edge technology, ensures seamlessness, instant feedback, and a unified experience for the dual-profit solution. Integrating the Super Interest Account and VIB Smart Card on MyVIB automates processes—from surplus fund transfers to real-time profit calculations and cashback.

– How do Big Data, AI, and Gen AI technologies contribute to personalizing finance in Vietnam?

Ms. Tuong Nguyen: These technologies are pillars of VIB’s personalization strategy. Gen AI allows customers to design their VIB Smart Card via carddesign.vib.com.vn, showcasing our vision of customer-centric banking where technology serves emotions and lifestyles.

As I’ve shared, for VIB, “personalization knows no bounds”—Gen AI transforms limits into endless possibilities, bringing banking closer to individuals in unique ways.

– What is the greatest impact you expect from the Profit Duo: market-leading products or lasting changes in Vietnamese financial behavior?

Ms. Tuong Nguyen: Our greatest expectation is sustainable behavioral change. We want every Vietnamese to see money as profitable, whether saved or spent.

Strategically, the Profit Duo represents a new approach to personal capital—safe, flexible, and dual-profitable. To spread smart financial experiences, VIB communicates its message across platforms, from streets to social media and music events. Recently, VIB was honored at the Asian Experience Awards 2025 for “Banking Brand Experience of the Year in Vietnam,” recognizing our efforts in redefining customer experiences through technology, emotion, and culture.

Kim Ngân

– 11:20 17/10/2025