Digital banking development trends in Vietnam are opening up many competitive advantages for businesses in the digital age. With the combination of modern technology, advanced financial services and flexible payment methods, businesses can optimize cash flow, control risks and improve customer experience. Let's explore this trend in detail with SeABank in the article below.

Development trends of digital banking in Vietnam

In recent years, digital banking in Vietnam has made strong break throughs with comprehensive digital financial solutions to optimize customer experience and support businesses in accessing capital quickly and safely.

Current status and potential of digital banking market

Digital banking in Vietnam is entering a period of strong development with rapid growth:

87% adults with payment accounts (as of early 2025);
95%Transactions at many credit institutions are conducted via digital channels;
Revenue from digital banking is expected to exceed 1 billion USD in 2025,Thanks to the popularity of smartphones, high demand for digital experiences and strong growth of e-commerce (forecast to reach up to 15.4 billion USD).

This shows that Vietnam has passed the initial stage in the journey of digital banking, with a large customer base and technological infrastructure ready for future breakthroughs. This is an opportunity for businesses to make the most of digital banking solutions in financial management and business expansion.

Vietnam's digital banking is growing and developing strongly.

Major digital banking trends today

Faced with the increasing demand from businesses for flexible, fast and secure financial solutions, digital banking in Vietnam is undergoing a strong transformation. Notable among these are the following trends:

Cashless payments are increasingly dominant

The trend of cashless payment is becoming the consumer norm in Vietnam. In 2024, QR code transactions will grow strongly in both quantity and value, while ATM transactions will decrease by nearly 20% and account for a very small proportion of the entire system. This reflects the rapid shift to convenient payment methods: QR code, Mobile Banking and Internet Banking.

Multidimensional digital ecosystem and “Super App”

The current prominent trend of the banking industry is to develop Super Apps (Super-connected applications) with a multi-utility ecosystem, replacing the previous single financial services.

In particular, SeABank pioneered the SeAMobile Biz application - a digital banking solution for businesses, allowing comprehensive financial management on a single mobile platform.

SeAMobile Biz not only supports online banking transactions but also:

Optimize cash flow management;
Improve operational efficiency;
Delivering superior digital experiences to businesses.

This is an important trend of digital banking in the future and SeABank is leading in realizing it.

SeAMobile Biz is integrated with many convenient functions for businesses.

AI and data analytics enhance better user experiences

Artificial intelligence combined with data analysis is becoming an important trend in digital banking development, providing personalized financial solutions according to business management needs.

Based on behavior and transaction history, banks can provide credit products, risk management and payment solutions tailored to each business.

At the same time, AI helps automate processes, increase processing speed and minimize errors. This is the key factor to help businesses optimize finances and improve operational efficiency.

Multi-layered security ensures absolute safety

The strong growth trend of digital transactions has led to increasing security requirements. Banks have deployed multiple layers of protection such as multi-factor authentication (MFA) and biometric identification (face, fingerprint) to ensure safety and compliance with State Bank regulations.

SeABank's SeAMobile Biz Equipped with a multi-layered security system that integrates Soft OTP authentication and biometrics right on the application, helping to prevent unauthorized access and maximally protect business financial data.

SeABank's SeAMobile Biz has an advanced multi-layer security system

Advanced and modern digital banking solutions from SeABank

Faced with the urgent need for flexible and effective financial management in the digital transformation era, SeABank accompanies businesses with the digital banking duo SeANet (Internet Banking) and SeAMobile Biz (Mobile Banking) - comprehensive financial management solutions, superior safety and optimal efficiency.

Through this platform, businesses can easily perform:

Centralized financial management: Quick account inquiries, guarantees, loans, deposits.
Make all transactions (disbursements, transfers, salary payments, etc.) flexibly, anytime, anywhere.
Completely free to use, free domestic money transfer and online salary payment.
Save transaction templates, prioritize beneficiaries, and allow easy reuse of recurring transactions, saving time and reducing errors.
Flexible delegation of authority according to roles in the enterprise.
Superior multi-layer security, integrated Soft OTP right in the application, along with fingerprint or facial login feature, enhances transaction protection and business information.

SeABank's digital banking brings convenience and safety in transactions

Conclude

In short, the trend of developing digital banking in Vietnam is opening a new era, where all financial transactions become more convenient and faster than ever. This revolution does not only stop at individuals but also brings great benefits to businesses.

As a pioneer in digitalizing services, SeABank offers modern, safe and flexible financial solutions, accompanying businesses on the journey of sustainable growth. Discover the SeABank digital banking ecosystem now to maximize the advantages of technology and stay ahead of new trends.

For more information, please contact hotline 1900 599 952 or contact the nearest Branch/Transaction Office for advice and support.