On the afternoon of May 29, 2025, the Government Office hosted the event titled “Digital Transformation of the Banking Industry in 2025”, themed “Smart Digital Ecosystem in the New Era”. The event was honored by the presence of Prime Minister Pham Minh Chinh, Chief of the Party Central Committee Office Le Hoai Trung, Governor of the State Bank of Vietnam Nguyen Thi Hong, along with numerous senior officials and industry leaders.

As a key participant, BIDV showcased a series of cutting-edge digital banking solutions, offering attendees a comprehensive perspective on its digital transformation strategy. These initiatives extend beyond customer experience to encompass operational modernization and technological innovatio. This affirms BIDV’s leading role and growing autonomy in banking technology.

Prime Minister Pham Minh Chinh, Chief of the Party Central Committee Office Le Hoai Trung, Governor of the State Bank of Vietnam Nguyen Thi Hong and delegates

Elevating the Digital Home Loan Experience with BIDV Home

At the event, Ms. Pham Phuong Lan, Deputy Head of BIDV's Retail Banking Division, introduced BIDV Home, a flagship digital platform developed to streamline and digitize the home loan journey. This marks Vietnam’s first end-to-end digital mortgage platform that seamlessly connects three key stakeholders: homebuyers, real estate developers and the bank. Through BIDV Home, customers can: Browse and compare curated real estate projects that meet their needs; calculate loan affordability and repayment options; apply for a mortgage digitally, including electronic signature authentication via the VNeID app—a feature successfully implemented by only three banks in Vietnam, including BIDV. To date, BIDV Home has partnered with approximately 100 reputable real estate developers on around 180 housing projects. All participating developers have been vetted by BIDV for credibility, financial capability, and on-time project delivery, ensuring a safe and seamless experience for customers. This comprehensive platform empowers users to (i) select suitable housing projects with confidence, (ii) simulate loan plans and submit applications entirely online, (iii) track the full loan process from disbursement to repayment—all without the need to visit a bank branch or project site. 

The BIDV Home solution was presented at the event via an immersive virtual reality (VR) simulation, offering government leaders and guests a firsthand look at the fully automated home loan journey - from property selection to loan completion. The platform is designed to meet evolving consumer behavior and aligns with the financial preferences of digitally-savvy individuals, particularly younger customers. Through BIDV Home, customers can conveniently access the VND 40,000 billion housing credit package, currently the largest and most preferential housing loan program in the market.

BIDV representative presenting the Bank's outstanding digital products to the Prime Minister Pham Minh Chinh

Building a Comprehensive Digital Ecosystem, Enhancing Customer Experience and Bridging Technology with People

At the exhibition, BIDV BIDV showcased its multi-tiered digital ecosystem, which spans not only digital solutions for individual customers, but also tailored platforms for institutional clients and internal banking operations.

For institutional customers, BIDV presented a comprehensive digitalization journey, including: corporate eKYC for remote enterprise identity verification; BIDV Direct e-banking —a secure and convenient e-banking platform for businesses, BIDV iConnect —integrated enterprise resource management software; Supply Chain Finance (SCF) solutions hosted on cloud infrastructure; Trade Flat—a dedicated import-export finance ecosystem; Open API Banking—providing seamless integration between BIDV’s banking services and clients’ enterprise systems. To date, more than 80% of BIDV's corporate clients utilize digital channels, highlighting strong market adoption and the trust of the business community in BIDV’s digital capabilities.

Internally, BIDV has developed the B.One system—a proprietary digital platform that has fully digitized operational workflows, approval procedures, and internal management processes. This transformation has significantly enhanced transparency, responsiveness, and operational agility, while driving cost efficiency and enabling rapid adaptation to market changes.

Driving National Digital Transformation

Through strategic investments in technological infrastructure, digital talent, and innovation, BIDV reaffirms its commitment to supporting the State Bank of Vietnam’s digital transformation roadmap. By offering segment-specific digital platforms, pursuing in-house technological development, and implementing end-to-end digital operations, BIDV demonstrates a clear, long-term vision and strategic orientation in advancing a modern financial ecosystem.

The "Digital Transformation of Banking Industry 2025" event served as an important opportunity for BIDV to affirm its pioneering role in shaping digital banking in Vietnam. Beyond its leading market position by scale, BIDV distinguishes itself through technological leadership and innovation, actively contributing to the development of an efficient, sustainable, and future-ready banking system.

With a solid technological foundation, high digital autonomy and a culture of continuous innovation, BIDV remains committed to accompanying its customers, the banking sector, and the nation in building a Digitally Empowered Vietnam.

Delegates visiting and experiencing BIDV's digital products through virtual reality simulations