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Aligned with MSB’s brand mission of “Customer Centricity”, MSB has consistently positioned itself as a pioneer in delivering modern, streamlined products through digital transformation. The ultra-fast digital card issuance system exemplifies this commitment, achieving breakthrough results in online credit card provisioning.
The MSB system eliminates the need for income verification documents while still offering credit limits of up to 100 million VND to qualified customers.
Instead of traditional methods, MSB leverages advanced AI technology, predictive modeling, and API integrations with strategic partners — including the Ministry of Public Security and third-party data providers to perform comprehensive credit screening, scoring, and approval decisions. This fully automated process delivers approval decisions in just 10 minutes.
To ensure customer data protection and minimize risks associated with lost mobile devices or identity documents, ,MSB have deployed facial biometric authentication, national ID card verification and cross-referencing, as well as OTP and soft token authentication protocols. Within a short time period, the innovative system has demonstrated exceptional market acceptance, with over 180,000 customers successfully registering and utilizing the service.
The platform welcomes both existing MSB customers and new-to-bank applicants, ensuring inclusive access to modern financial services. This digital transformation exemplifies MSB's dedication to leveraging technology for enhanced customer experience while maintaining the highest standards of security and efficiency.


Back to Hall of Fame
Aligned with MSB’s brand mission of “Customer Centricity”, MSB has consistently positioned itself as a pioneer in delivering modern, streamlined products through digital transformation. The ultra-fast digital card issuance system exemplifies this commitment, achieving breakthrough results in online credit card provisioning.
The MSB system eliminates the need for income verification documents while still offering credit limits of up to 100 million VND to qualified customers.
Instead of traditional methods, MSB leverages advanced AI technology, predictive modeling, and API integrations with strategic partners — including the Ministry of Public Security and third-party data providers to perform comprehensive credit screening, scoring, and approval decisions. This fully automated process delivers approval decisions in just 10 minutes.
To ensure customer data protection and minimize risks associated with lost mobile devices or identity documents, ,MSB have deployed facial biometric authentication, national ID card verification and cross-referencing, as well as OTP and soft token authentication protocols. Within a short time period, the innovative system has demonstrated exceptional market acceptance, with over 180,000 customers successfully registering and utilizing the service.
The platform welcomes both existing MSB customers and new-to-bank applicants, ensuring inclusive access to modern financial services. This digital transformation exemplifies MSB's dedication to leveraging technology for enhanced customer experience while maintaining the highest standards of security and efficiency.


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