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Frontline Focus: Banks Prioritize Technology Investments
The banking industry is entering an era where competitive advantage no longer hinges on acquiring new accounts, but on deeply understanding and precisely serving the needs of its long-accumulated customer base. This shift explains the surge in AI investments, transforming vast data repositories into enhanced service revenues and superior customer experiences, rather than relying solely on credit growth as in the past.
Why People Are Rushing to Deposit Money in Banks
After lingering at record lows for an extended period, the financial markets are witnessing a fierce interest rate battle as the year draws to a close. Not only private banks but also the "Big 4" institutions have joined the fray, prompting a significant shift in idle cash held by residents.
ABS Research Predicts Strong Domestic Cash Flow Participation in the Stock Market by 2026
According to An Binh Securities Research Center (ABS Research), the VN-Index in 2026 is projected to surpass its 2025 peak. This upward valuation is driven by improved corporate earnings and market liquidity, supported by sustained low interest rates and the return of foreign capital following Vietnam’s upgrade to Emerging Market status by FTSE.
