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As one of Vietnam’s young banks, TPBank (Tien Phong Bank) has partnered with FPT.AI to harness the power of technology, enhancing its competitive edge and attracting customers through innovative, convenient products and services that reflect the hallmarks of a digital bank.
TPBank has pursued a comprehensive digitalization strategy early on, with systematic investments in technology. Currently, most of TPBank’s products and services leverage advanced technologies such as Artificial Intelligence (AI) and Big Data. These innovations have fundamentally transformed TPBank’s offerings and customer experiences, solidifying its position as a leading digital bank in Vietnam.
TPBank’s youthful essence is not just a branding element but is vividly displayed in its novel products and services, crafted with deep insights into customer trends and precisely targeting its audience. This enables TPBank to launch highly personalized utilities, helping it attract potential customers and foster loyalty among existing ones.
The bank’s comprehensive digital transformation, combined with a mindset shift and visionary approach, has resulted in numerous achievements, creating unique customer experiences. Since 2020, TPBank has collaborated with FPT.AI to successfully implement the AI-powered chatbot, T’aio Virtual Assistant. Integrated across multiple channels like live chat on the website and the Facebook fan page, T’aio automates customer support 24/7/365, handling common tasks efficiently.
In tandem with advancements in AI, the speech technology market has made remarkable progress over the past decade. Spoken communication remains the most natural and effective means for humans to interact. TPBank has taken the lead in this arena by integrating the VoicePay feature, which leverages AI Voice Banking technology developed by FPT.AI. With in-depth research into the Vietnamese language, VoicePay enables customers to conduct various transactions effortlessly and hands-free, including:
- Transferring funds and completing transactions anytime, anywhere.
- Recharging services for themselves or others.
- Locking/unlocking cards in just seconds.
Thanks to Natural Language Processing (NLP), the TPBank app can recognize and understand user intentions, such as transaction types, beneficiary information, and transaction amounts, executing commands accurately.
The voice technology, developed by FPT.AI’s team of engineers and scientists, incorporates extensive research into Vietnam’s tonal, rhythmic, and diverse phonetic structures. The solution is equipped with cutting-edge technologies, including Deep Learning, Automatic Speech Recognition (ASR), and NLP. It achieves an accuracy rate of over 90% in recognizing audio, accommodating regional accents, age variations, and colloquial language. Furthermore, FPT.AI’s platform adheres to the highest international security standard, PCI-DSS, ensuring robust cybersecurity and data safety for users.
In the competitive race among digital banks to introduce innovative, attractive features, voice-based transactions (AI Voice Banking) stand out for their swift connectivity and modern interaction. TPBank enables customers to save time and interact with ease compared to traditional methods. Particularly, voice technology has improved accessibility for visually impaired individuals and the elderly.
These technologically advanced products have established TPBank as the first bank in Vietnam with a superior and diverse digital banking ecosystem. The relentless innovation and pursuit of modern technological applications unite FPT.AI and TPBank, as both understand that technology is not just a competitive advantage but an inevitable trend. Together, they aim to innovate, differentiate, and leave a distinctive mark while captivating a new generation of customers in the digital era.