Fast, flexible, and future-ready: Techcombank’s playbook for scaling digital business banking experiences

Techcombank, Vietnam’s fifth-largest bank by assets, has set its sights on a new growth frontier — business banking. With the SMB sector rapidly modernizing and demanding more sophisticated financial services, the bank saw a clear opportunity to deliver a fully digital, customer-centric experience for business clients.

By leveraging Backbase’s AI-powered Banking Platform, Techcombank launched its business banking app in just six months, re-using proven retail banking journeys and enhancing them with advanced capabilities such as multi-user entitlements, advanced cash management, and online bank guarantees. This single, connected platform also powers a comprehensive self-service portal, streamlining complex workflows for corporate customers.

In 2024, the business banking app reached over 100,000 customers (89% active), introduced nearly 50 new features, and achieved a 4.9/5 rating on both the Apple App Store and Google Play. With accelerated time-to-market, continuous innovation, and a commitment to customer-centricity, Techcombank is redefining business banking in Vietnam.