Reporter (PV): Can you share about the benefits that customers receive when participating in MB's financial ecosystem?
Vice Chairman of the Board of Directors of MB Vu Thanh Trung: Currently, MB has built an integrated financial ecosystem through close coordination between the parent bank and its subsidiaries. This coordination method creates a comprehensive financial value chain for customers in many aspects. Specifically, the MBBank application platform acts as a connecting axis, the products of the subsidiaries are fully integrated to create a single touch point for customers. With just an identity account at MB, customers can connect to MBS securities accounts, MB Capital investment fund accounts, make investments and make instant payments. In addition, customers borrowing capital at MB, MCredit can be consulted on suitable insurance packages at MIC/MB Ageas Life; businesses borrowing capital can connect to bond issuance consulting services from MBS...
|
Vice Chairman of MB Board of Directors Vu Thanh Trung. Photo: PHUONG THAO |
In addition, MB also develops package products combining banking, securities and insurance services with preferential fees and interest rates; with an integrated loyalty program, customer reward points and incentives at MB will be accumulated and used throughout the ecosystem. Thus, MB has created a closed financial value chain, providing customers with a comprehensive and seamless experience from traditional banking to modern financial services, creating a significant competitive advantage over other financial groups in the market.
PV: MB is a pioneer in providing digital platforms to businesses and people. So how is the process of granting credit to different customer groups carried out, sir?
Vice Chairman of the Board of Directors of MB Vu Thanh Trung: For businesses, MB has launched the BIZ MBBank digital platform with the aim of simplifying financial services and reducing the burden of traditional procedures. Businesses will easily manage their supply chains, cash flow, pay bills, pay salaries, transfer money domestically and internationally, buy and sell foreign currencies... with just simple operations on the mobile application.
Currently, many credit institutions are having difficulty lending to small and medium enterprises, especially micro enterprises. The reason is that there are high potential risks, small loans, and high service costs. To solve this difficult problem, MB uses a technology platform. Based on the data platform, MB will make automatic approvals and select appropriate, low-risk customer groups to ensure the risk coefficient for the bank. We will do all of this on the phone, from collecting loan applications to direct disbursement to free up resources. When resources are saved, there will be low costs and we will ensure operational efficiency for the bank.
In addition, MB always determines that as a digital enterprise, it must serve vulnerable customers, those in remote areas or small businesses that have difficulty accessing bank capital. With the MBBank application, individual customers in remote areas can proactively and safely access banking services. MB's customer data source is increasingly improved and we aim to be able to serve any customer, anywhere. That is the goal of a digital enterprise, a leading financial group that MB is aiming for.
|
Military Commercial Joint Stock Bank (MB) brings customers comprehensive and modern financial service experiences. Photo: PHUONG THAO |
PV: What strategy does MB have to expand its young customer base, who tend to use digital financial services more?
MB Vice Chairman Vu Thanh Trung: We position the MBBank application as a part of the lifestyle, not just a financial tool, to make young people enjoy using it rather than being tied down. MB will design products and experiences in the direction of "hyper-personalization" of behavior so that each customer feels that the service understands them. At the same time, multi-channel communication, creative content and community to reach young customers, create long-term connections through incentives and digital ecosystems. MB is planning to integrate Blockchain technology into digital banking products to increase transparency, optimize operations and create breakthrough products, especially in the context of banks having to transform digitally deeper, faster, and competition between banks is fiercer.
PV: In the near future, does MB have any plans to expand the ecosystem into other new areas, sir?
Vice Chairman of the Board of Directors of MB Vu Thanh Trung: Along with the development trend of financial groups in Vietnam and internationally, MB also has the orientation to seek opportunities to acquire organizations, subsidiaries, affiliates, investment funds operating in the fields of science , technology, innovation, digital technology industry, digital business, digital assets and related activities in cases where legal regulations or State orientations and policies stipulate implementation. In addition, we also aim to establish a subsidiary bank in Laos (on the basis of converting MB Laos Branch) and establish branches, representative offices, and other commercial presences of MB in potential countries with favorable business environments and opportunities to develop MB's network (such as Korea, Japan, China, Singapore, etc.).
MB will continue to focus on investing in building the brand value of a financial group with a regional scale; investing deeply in people, innovation and mastering technology to create sustainable competitiveness; perfecting and developing integrated and synergistic journeys to create strong growth in revenue, optimizing cost efficiency... Thereby, increasing the values of the group; creating different experiences; continuing to expand and develop the digital ecosystem with diverse and reputable partners in key and strong areas.
PV: Thank you very much, comrade!
MINH VIET (performed)
Source: https://www.qdnd.vn/kinh-te/tai-chinh/mb-tang-cuong-ket-noi-giua-cac-dich-vu-tai-chinh-832071
Comment (0)