Agenda

OPENING REMARKS

Dao Minh Tu, PhD.

Vice Chairman & Secretary General

Vietnam Banks Association

Regulating at the Speed of Innovation — Vietnam's Payment Agenda to 2030

Le Anh Dung

Deputy Director General - Payment Department

State Bank of Vietnam (SBV)

Vietnam Economic Growth Model: The Role of Reforming Financial Markets

• Stronger regulations & transparency to boost investor confidence
• Diversified funding sources beyond traditional banking
• Digital innovation & global alignment to drive sustainable growth

Luc Can

Chief Economist

BIDV

Unlocking the Credit Potential: Igniting Commercial and SME Lending Acceleration to Drive Vietnam's Unprecedented Growth

• Experience a single credit lifecycle platform — from prospecting to credit monitoring — with world-leading speed and efficiency and governed AI that drives your lowest cost to originate.
• Embrace proactive credit monitoring to manage risk, optimize portfolio performance and deepen customer relationships.
• Seamless digital experiences across every line of business to get credit into the hands of borrowers seamlessly, powered by AI with in-built credit risk excellence

Anthony Morris

Chief Industry Transformation Officer

nCino

Retain the Core, Unlock the Edge: A Coexistence Strategy for Vietnam's Banks

• The cost of standing still is growing faster than the cost of moving: Customer Expectations and regulatory momentum in Vietnam are accelerating. Banks that delay modernisation aren’t preserving stability; they are falling behind
• Co-Existence is a strategy, not a stopgap: Co-Existence isn’t about postponing a core replacement, it’s about retaining the core as the system of record while layering cloud-native, API-first platforms on top for innovation, customer engagement, and new revenue models. It’s a deliberate architectural choice — not a compromise
• Modernisation doesn’t have to be a multi-year, all or nothing bet: Banks can take an incremental approach, starting with high-impact domains, co-existing new platforms with legacy systems and scaling digital banking, embedded finance and BaaS over time

Mike Breen

Chief Commercial Officer

Audax

Driving the Future of Financial Anti-Fraud Through Innovation

• Fraud Ecosystem and Its Evolution in the Context of Digital Transformation for Financial Institutions
• Introduction to the StreamCube Intelligent Anti-Fraud Solution
• Case Studies in Intelligent Anti-Fraud Implementation

Harmon Wang

CEO

StreamCube Technology

Evolving Digital Transformation in Financial Services: What Comes After Digital-First

• Moving from digital-first strategies to fully integrated enterprise transformation
• Aligning technology, people, and processes around speed, intelligence, and scale
• Sustaining trust, control, and regulatory confidence in advanced digital environments

Moderator

Nicole Nguyen

Founder

APAC DAO

Duc Luu

Deputy CEO

Sacombank

Eric Vu Chau

Deputy CTO, Head of Site Operation & Technology Management

CIMB Vietnam

Ngoc Lan Anh Nguyen

Chief Technology & Operations Officer

Standard Chartered Bank (Vietnam)

AI-First Engagement: Building Autonomous Customer Journeys in Banking & FinanceAI-First Engagement: Building Autonomous Customer Journeys in Banking & Finance

• The Personalization Gap in BFSI: Today’s banking customers no longer fit rigid segments — they demand instant, relevant, and personalized experiences. Yet most institutions still rely on generic, calendar-driven campaigns, silently eroding Customer Lifetime Value
• Real-Time AI Decisioning at Scale: CleverAI builds a 360-degree view of every customer to autonomously answer the six critical decisions — who to target, what to say, when, on which channel, in what sequence, and with what incentive — for millions of users in real time
• From Assisted to Autonomous Growth: BFSI institutions are moving from AI-assisted campaigns today toward fully autonomous, self-evolving customer journeys — where AI executes within guardrails, continuously optimizes for outcomes, and turns every interaction into lifetime value

Mai Vo

Country Manager, Vietnam & Cambodia

Clevertap

Accountable AI: What Every Bank Needs to Know for the Next Decade

• Accountable AI: What Every Bank Needs to Know for the Next Decade
  Explainability belongs at the interaction, not just the audit.
  The bar is shifting from “can you prove the outcome?” to “can you explain the reasoning – to the customer, the regulator, and the board – at the moment the decision is made?”
• Fragmented AI creates fragmented customer experiences.
  Banks consolidating onto platforms that decide, act, learn, and explain across the entire customer lifecycle are pulling ahead. Those managing disconnected point solutions are not.
• Speed-to-value is now a strategic imperative.
  Legacy implementation cycles of 12–18 months cannot survive a market that moves in weeks. The banks that convert business intent into working systems quickly are the ones that keep transformation momentum.
• Trust is built one interaction at a time.
  A declined application. A product recommendation. A proactive service call. These moments — not the technology behind them — define the customer relationship.

Lucas Phan

Market Lead, Vietnam & Thailand

Pegasystems

Scaling Inclusion Without Scaling Fraud: Inside SHB Finance’s Digital Lending Playbook

• Fraud is no longer a risk problem, it’s a growth constraint: The faster you scale inclusion, the faster fraud scales unless your onboarding and underwriting evolve.
• The winning formula is not trade-offs, but orchestration: High conversion, strong fraud prevention, and compliance can coexist with the right AI-led stack.
• End-to-end integration beats point solutions: SHB Finance achieved scale by unifying onboarding, underwriting, and fraud controls, not solving them in silos.

Saket Kumar Jha

Chief Revenue Officer

HyperVerge

Zhan Zatayev

Chief Risk Officer

SHBFinance

AI-Powered Threats in Banking: Moving Beyond Human Vigilance to Proactive Security

• The rise of AI is amplifying phishing and malware attacks, making breaches faster, more sophisticated, and harder to detect
• Most data breaches stem from systemic vulnerabilities—not just user error—highlighting the need to address root causes
• Future-ready security must focus on proactive, built-in protection mechanisms that do not rely solely on end-user awareness or behaviour

Derek Lok

Director

Yubico

Retail Banking Transformation: Redefining Value in a Digital-First Market

• Rebalancing branch, digital, and assisted channels to meet evolving customer expectations
• Managing personalization and data privacy in a regulated environment
• Ensuring operational efficiency and compliance during large-scale digital transitions

Moderator

Minh Hoang Nghiem

Fintech Application Expert

Vietnam Blockchain and Digital Assets Association

Nhung Doan

Head of Retail Banking, Board of Management

Vietcombank

Ha Lam Dau

Deputy CEO in charge for Technology &
Digital Transformation

VietABank

Hai Bui

Head of Retail Banking

Vikki Digital Bank

Scaling Consumer Finance in Emerging Markets — Lessons from the Frontline

• Navigating credit risk, regulatory complexity, and customer behaviour in high-growth markets
• Building scalable consumer finance models that balance growth with sustainability
• What the next wave of financial services innovation looks like across Southeast Asia

Moderator

Nicole Nguyen

Founder

APAC DAO

Kalidas Ghose

Chairman

UNOBank

From Standardization to Personalization: Redefining Customer Experience in Banking

• Delivering relevant, personalized experiences while respecting data privacy and consent
• Aligning technology, processes, and culture around the customer
• Scaling personalization across products, channels, and customer segments

Moderator

Nguyen Thi Tuyet Mai

Managing Director

Vietnam Microfinance Working Group

Hang Nguyen Thi Thu

Director - Customer Experience

TPBank

Duc Hoang

Head of Experience Management &
Process Optimization

MSB Bank

Phuong Nguyen Thi Kim

Branch Director

BIDV FDI Branch I

Ha Hoang Thi Thuy

Chief Operating Officer

GPBank