Transformation Overview
The Bank, a mission-driven, state-owned institution in Vietnam, executed a massive digital transformation to serve as the backbone of the nation’s financial inclusion strategy. By replacing a decade-old legacy platform with eMACH.ai Core Banking, the Bank modernized its infrastructure to deliver preferential credit to 16.8 million citizens—approximately 16.5% of the country’s population.
Despite the extreme complexity of a highly distributed operating model featuring over 10,000 commune-level transaction points, success was ensured through a high-performance architecture designed for massive scale. This transformation enabled the Bank to manage a portfolio of 8.9 million active loans and 8.1 million CASA accounts while supporting critical regulatory restructuring across nationwide services.
Business Impact
- Massive Scale: Seamlessly manages a portfolio of 8.9 million active loans and 8.1 million CASA accounts
- High-Volume Efficiency: Processed over 115,000 loan payments and 100,000 NAPAS transactions shortly after go-live
- Operational Agility: Automated year-end accruals and payments for 5 million loans via RPA, preventing manual backlogs during peak periods
- Rapid Onboarding: Successfully processed 25,000 new loan bookings and 17,000 new CIF openings in the early post-launch phase
- National Reach: Supports a vast last-mile network of 700 branches and 10,000+ commune-level transaction points with zero disruption
