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THE STATE BANK
OF VIETNAM
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SOCIALIST
REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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No. 810/QD-NHNN
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Hanoi, May 11,
2021
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DECISION
APPROVING
PLAN FOR DIGITAL TRANSFORMATION OF BANKING SECTOR BY 2025 WITH ORIENTATIONS
TOWARDS 2030
THE GOVERNOR OF THE STATE BANK
Pursuant to the Politburo’s Resolution No.
52-NQ/TW dated September 27, 2019 on a number of guidelines and policies for
active participation in the fourth industrial revolution;
Pursuant to the Law on the State Bank of Vietnam
dated June 16, 2010;
Pursuant to the Law on Credit Institutions dated
June 16, 2010 and Law on Amendments to Law on Credit Institutions dated
November 20, 2017;
Pursuant to the Government’s Decree No.
16/2017/ND-CP dated February 17, 2017 on functions, duties, powers and
organizational structure of the State Bank of Vietnam;
Pursuant to the Prime Minister’s Decision No.
986/QD-TTg dated August 08, 2018 approving strategy for development of
Vietnam’s banking sector by 2025 and vision to 2030;
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At the request of the Director General of
Payment Department.
HEREBY DECIDES:
Article 1. The plan for digital transformation of banking sector by
2025 with orientations towards 2030 (hereinafter referred to as “Plan”) is
approved.
Article 2. This Decision takes effect from the date on which it is
signed.
Article 3. Head of Office of the State Bank, Director General of
Payment Department, heads of affiliates of the State Bank, Chairpersons of
Boards of Directors/ Boards of Members and General Directors (Directors) of
credit institutions and foreign bank branches, and intermediary payment service
providers shall implement this Decision./.
THE GOVERNOR
Nguyen Thi Hong
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DIGITAL
TRANSFORMATION OF BANKING SECTOR BY 2025 WITH ORIENTATIONS TOWARDS 2030(
Promulgated together with Decision
No. 810/QD-NHNN dated 11/5/2021 by Governor of the State Bank)
I. GROUNDS FOR PLAN FORMULATION
1. Politburo’s Resolution No.
52-NQ/TW dated September 27, 2019 on a number of guidelines and policies for active
participation in the fourth industrial revolution.
2. Government’s Resolution No.
17/NQ-CP dated March 09, 2019 on certain key tasks and solutions for
development of the electronic Government for the period 2019 - 2020 with vision
towards 2025.
3. Government’s Resolution No.
50/NQ-CP dated April 17, 2020 introducing action program on Politburo’s
Resolution No. 52-NQ/TW dated September 27, 2019 on a number of guidelines and
policies for active participation in the fourth industrial revolution.
4. Prime Minister’s Decision
No. 986/QD-TTg dated August 08, 2018 approving strategy for development of
Vietnam’s banking sector by 2025 and vision to 2030.
5. Prime Minister’s Decision
No. 749/QD-TTg dated June 03, 2020 introducing program for national digital transformation
by 2025 with orientations towards 2030.
6. Prime Minister’s Decision
No. 2289/QD-TTg dated December 31, 2020 promulgating national strategy for the
fourth industrial revolution by 2030.
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8. Decision No. 1726/QD-BTTTT
dated October 12, 2020 by Ministry of Information and Communications approving
scheme for creation of digital transformation indexes applicable to ministries,
ministerial-level agencies, governmental agencies, provinces and
central-affiliated cities and national digital transformation index.
9. Decision No. 34/QD-NHNN
dated January 07, 2019 by Governor of the State Bank of Vietnam promulgating
action program on strategy for development of Vietnam’s banking sector by 2025
and vision to 2030.
10. Decision No. 528/QD-NHNN
dated March 29, 2019 by Governor of the State Bank of Vietnam promulgating
action program of State Bank of Vietnam on Government’s Resolution No. 17/NQ-CP
on certain key tasks and solutions for development of the electronic Government
for the period 2019 - 2020 with vision towards 2025.
11. Decision No. 2655/QD-NHNN dated
December 26, 2019 by Governor of the State Bank of Vietnam approving
information technology development strategy for Vietnam’s banking sector by
2025 with vision to 2030.
12. Decision No. 1238/QD-NHNN
dated July 08, 2020 by Governor of the State Bank of Vietnam promulgating
action program of banking sector on Government’s Resolution No. 50/NQ-CP dated
April 17, 2020 introducing action program on Politburo’s Resolution No.
52-NQ/TW dated September 27, 2019 on a number of guidelines and policies for active
participation in the fourth industrial revolution.
13. Decision No. 1345/QD-NHNN
dated August 04, 2020 by Governor of the State Bank of Vietnam promulgating
plan of State Bank of Vietnam for implementation of Decree No. 47/2020/ND-CP on
management, connection and share of digital data of regulatory agencies.
14. Decision No. 260/QD-NHNN
dated March 04, 2021 by Governor of the State Bank of Vietnam promulgating plan
for information technology application, digital Government development and
cybersecurity in operations of State Bank of Vietnam for 2021 - 2025.
II. VIEWPOINTS REGARDING PLAN
FORMULATION
1. Closely follow guidelines
and orientations of the Communist Party and Government regarding policies for active
participation in the fourth industrial revolution, national digital
transformation program and strategy for banking sector development by 2025 with
orientations to 2030.
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3. Renovation, innovation,
improvement of product and service provision quality, enhancement of customer
experience and meeting customer’s needs are useful indicators for digital
transformation.
4. Digital transformation must
be connected with protection of legitimate interest, rights, security and
safety of customers and sustainable and efficient development of the whole
Vietnamese banking system.
5. Adopt international
breakthrough solutions for further application of modern science and technology
to accelerate achievement of objectives concerning digital transformation of
Vietnam’s banking sector.
III. OBJECTIVES
1. General
objectives
1.1. Reform management operations of the State Bank
in a comprehensive and modern manner based on utilization of achievements of
the fourth industrial revolution, meeting all digital transformation criteria
and indicators of the Government.
1.2. Develop digital bank models, enhance utilities
and customer experience, and achieve objectives concerning financial inclusion
and sustainable development based on further application of new technology in
management and provision of services and products with professional operation
optimization and automation.
2. Some
specific objectives
2.1. Basic objectives by 2025
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a) 100% of public services of the State Bank are
eligible for upgrade to level 4;
b) 100% of level-4 public services are integrated
to the national public service portal;
c) 90% of work dossiers of the State Bank are
processed and stored online (excluding work dossiers concerning state secrets);
d) At least 50% of inspections by the State Bank
are carried out via digital means and information systems of the State Bank;
dd) 100% of reports under the management of the
State Bank (excluding state secrets) have digital signatures and are sent via
the information technology system supporting direction and management;
e) 100% of transactions on the public service
portal and single-window information system of the State Bank are authenticated
electronically.
2.1.2. For credit institutions and foreign bank
branches (hereinafter referred to as “credit institutions”):
a) Customers can perform at least 50% of banking
operations completely by digital means;
b) At least 50% of adults use electronic payment
services;
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d) More than 30% revenue of at least 60% of credit
institutions come from digital channels;
dd) At least 50% of disbursement and lending
decisions of commercial banks and financial companies for small loans and
consumer loans of individual customers are made in a digital and automated
manner;
e) At least 70% of work dossiers of credit institutions
are processed and stored by digital means (excluding work dossiers concerning
state secrets);
2.2. Basic objectives by 2030
Maintain achieved basic objectives by 2025 and
strive for the following objectives:
2.2.1. For State Bank:
a) At least 70% of inspections by the State Bank
are carried out via digital means and information systems of the State Bank;
b) 100% of work dossiers of the State Bank are
processed and stored online (excluding work dossiers concerning state secrets).
2.2.2. For credit institutions:
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b) At least 80% of adults use electronic payment
services;
c) At least 80% of customer’s transactions can be
carried out via digital channels;
d) More than 30% revenue of at least 80% of credit
institutions come from digital channels;
dd) At least 70% of disbursement and lending
decisions of commercial banks and financial companies for small loans and
consumer loans of individual customers are made in a digital and automated
manner;
e) At least 90% of work dossiers of credit
institutions are processed and stored online (excluding work dossiers
concerning state secrets).
IV. TASKS AND SOLUTIONS
1. Mindset
change, promotion of communications activities and enrichment of knowledge
about digital transformation in banking sector
1.1. Heads of regulatory bodies and organizations
shall take direct responsibility for digital transformation in the bodies under
their management; connect digital transformation objectives and tasks with
development strategies, action programs and plans of each regulatory body and
organization.
1.2. Introduce and celebrate "Digital
Transformation Day" of the banking sector on an annual basis.
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1.4. Launch financial education programs for people
and enterprises to improve their financial management skills, knowledge and
safe and efficient use of banking products and services on digital platforms.
1.5. Incorporate tasks in the Plan into emulation
movements launched by the Governor of the State Bank; commend and reward groups
and individuals with great achievements in digital transformation.
2. Formulation
and completion of legal frameworks facilitating digital transformation in
banking sector
2.1. Research, review and propose matters needing
to be made into law as appropriate to actual situation and trends in
application of digital technology to banking operations, gradually create
strong legal foundations for development of digital bank models.
2.2. Review, research and propose promulgation of
or amendment to regulations of law to facilitate digital transformation of the
banking sector with a focus on the following matters:
2.2.1. Regulations on cashless payment and
management and supervision of payment, domestic payment and cross-border
payment to facilitate provision of diverse, modern and safe payment services
and products, meeting increasing demand of customers.
2.2.2. Lending regulations to enable electronic
lending and automation of procedures for lending to customers of credit
institutions.
2.2.3. Regulations facilitating application of digital
technologies (such as cloud computing, big data, blockchains, artificial
intelligence, machine learning, etc.) in banking operations.
2.2.4. Regulations on collection, use, processing
and sharing of customer data with third parties, aiming for open banking and
diverse banking ecosystem.
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2.2.6. Regulations on cybersecurity,
confidentiality and provision of banking services online of the banking sector.
2.2.7. Develop and launch fintech regulatory
sandboxes for the banking sector.
2.2.8. Research matters concerning central bank
digital money.
2.3. Formulate and promulgate data standards and
technical standards for the banking sector for data connection, sharing and use
within the banking sector and between the banking sector and other sectors.
3. Digital
infrastructure development
3.1. Modernize payment infrastructure and improve
connectivity:
3.1.1. Upgrade and modernize interbank payment
systems (IBPS) and aim to operate these systems according to international
rules and standards; improve connectivity with other systems of the economy and
be ready to connect with real-time gross settlement systems (RTGS) of other
countries in the region following appropriate roadmaps.
3.1.2. Expand and develop switching and clearing
systems for retail payments to establish synchronized payment infrastructure
capable of integrating and connecting with other sectors, providing the basis
for expansion of the digital ecosystem and launch of 24/7 payment services;
support new connection models and payment methods (QR code payment, e-wallets,
mobile money, card payments, checking accounts, etc.); establish connections
for cross-border payments.
3.2. Expand information provision and connection
infrastructure:
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3.2.2. Upgrade the information portal connecting
the National Credit Information Center of Vietnam with credit evaluation and
risk management systems of credit institutions to enable online use and
inspection of customer’s credit information.
3.3. Research and launch centralized infrastructure
to enable data connection, use and sharing with the national population
database, enterprise database and databases of other sectors for use and
consolidation of data of use to information verification and customer
classification and evaluation.
3.4. Develop and complete the data connection and
sharing platform of the State Bank to provide the platform for establishment of
e-Government at the State Bank and connect and share data with national
databases and information systems from central to local levels of the
Government and other ministries via data sharing and integration platforms of
the Government.
4. Establishment
and efficient operation of e-Government at State Bank
4.1. Digitalize operations of the State Bank
according to the 2.0 e-Government architecture.
4.2. Launch information technology application plan
according to the State Bank’s plan.
4.3. Promote application of digital technology in
management, inspection, supervision and internal operations of the State Bank.
5. Establishment
and development of digital bank models at credit institutions
5.1. Formulate and implement a digital
transformation plan/ strategy with a focus on development of digital banking
services based on modern core banking and information technology systems in
compliance with Vietnamese and international standards that meet management
requirements and are suitable for the needs, capacity and potential of credit
institutions.
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5.3. Promote research and use of artificial
intelligence applications and digital technology in provision of banking
products and services: analyze and forecast demand, optimize customer journey
and experience; detect frauds, store information, analyze data; optimize
internal business processes, reduce costs and provide customers with instant
support via virtual assistants and robots.
5.4. Research adoption of credit scoring solutions
for customer data warehouses, open data and third party data and reliable
scoring models to facilitate customer’s access to loans via electronic means.
5.5. Boost research on integration and expanded
connection with other sectors to establish a digital ecosystem and provide
diverse products and services aiming for new business models such as open
banking to provide friendly, safe, convenient and affordable products and
services.
5.6. Formulate and adopt a general risk management
framework for at least operational, professional, information technology and
legal risks.
5.7. Apply operating models and product development
methods in a simplified and flexible manner.
5.8. Research and implement fee policies suitable
for small transactions via digital means to encourage use of banking services
via digital channels.
6. Development
and efficient use of digital data
6.1. Upgrade centralized databases of the State
Bank and credit institutions following big data models and promote collection
and cleaning of data from digital contact points and other data sources.
6.2. Enhance knowledge discovery and analysis to
support product and service individualization, optimize operations and improve
performance.
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7.1. Improve capacity for protection of computer
networks, databases and information systems exchanging data online in
accordance with Vietnamese and international standards.
7.2. Regularly review and assess risk throughout
the processes of design, operation and provision of products and services
online to promptly adopt preventive plans and responding solutions.
7.3. Efficiently maintain internal control of
information security and safety to promptly detect, warn about and take
solutions to prevent risks arising from internal operations and professional
operations.
7.4. Further share information on risk to
cybersecurity between organizations in the banking sector.
7.5. Research and establish a security operations
center for the State Bank.
8. Human
resource development
8.1. Provide incentive policies to attract
high-quality workers who possess information technology knowledge and
qualifications and digital transformation skills.
8.2. Regularly launch programs on training in
digital transformation knowledge and skills for workers of the banking sector.
8.3. Revise undergraduate and postgraduate programs
in banking - finance in terms of banking operations in connection with digital
transformation and digital bank models.
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9. Some
other solutions and tasks
9.1. Enhance cooperation and exchange and sharing
of experience concerning digital transformation of the banking sector with
foreign partners; actively participate in regional and international bilateral
and multilateral cooperation forums in relation to renovation and innovation;
take charge of application of some ideas for digital transformation in the
banking sector.
9.2. Promote scientific research and digital
technology application in banking operations.
9.3. Organize a conference for bank - digital
transformation enterprise connection on an annual basis; closely cooperate with
local governments in launching incentive credit programs (programs on lending
for stimulation of investment demand, concessional loans) for digital
technology enterprises to support key digital transformation products and
enterprises undergoing digital transformation.
V. FUNDING
1. The Plan shall be funded by
state budget, concessional loans, sponsorship from international and Vietnamese
organizations, funding from credit institutions and intermediary payment
service providers and other lawful funding sources.
2. Prioritize funding for
activities supporting mindset change, institution formulation, digital
infrastructure development, digital platform development, trust building, cyber
safety and security assurance, international cooperation, research, development
and innovation in the digital environment, and skill transformation in the
digital environment and other tasks and projects in charge by state agencies.
VI. IMPLEMENTATION
1. Establish a steering
committee for digital transformation of the banking sector, which shall conduct
research and propose guidelines, strategies, mechanisms and policies providing
the legal environment for digital transformation and expedite and direct
implementation of the Plan. The Governor of the State Bank shall be the head of
this committee. The Governor of the State Bank has the power to decide
functions, duties, regulation on operations and personnel of this steering
committee.
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2.1. Affiliates of the State Bank and Chairpersons
of Boards of Directors/ Boards of Members and General Directors (Directors) of
credit institutions and intermediary payment service providers shall
proactively organize the implementation of this Plan within their competence
and Appendix on main tasks promulgated together with this Decision. Report on
results of the implementation of this Plan to the Governor of the State Bank
(via Payment Department) before November 15 of every year for monitoring and
consolidation purposes.
2.2. Payment Department shall:
2.2.1. Organize, provide guidelines for, expedite
and assess the implementation of this Plan and prepare reports on difficulties
arising from such implementation and assessment of results of such
implementation on an annual basis.
2.2.2. Take charge and cooperate with Information
Technology Department, Communication Department and relevant units in advising
the Governor of the State Bank on selection, announcement and annual
celebration of “Digital Transformation Day” of the banking sector.
Concurrently, cooperate with Communication Department in relevant
communications activities, mindset change and enrichment of knowledge about
digital transformation of the banking sector.
2.2.3. Take charge and cooperate with relevant
units in:
a) In 2025, conduct preliminary assessment of Plan
implementation, and propose objectives and targets as well as revising tasks
and solutions (if necessary) of the following period;
b) In 2030, summarize and assess Plan
implementation.
2.3. Department of Credit for Economic Sectors
shall take charge of advising the Governor of the State Bank on organization of
the annual conference for bank - digital transformation enterprise connection
and launch incentive credit programs (programs on lending for stimulation of
investment demand, concessional loans) for digital technology enterprises to
support key digital transformation products and enterprises undergoing digital
transformation.
2.4. Information Technology Department shall:
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2.5. Emulation - Reward Department shall:
Cooperate with Payment Department and relevant
units in selecting and proposing commendation of groups and individuals with
excellent achievements in digital transformation for preliminary and summary
assessments of Plan implementation.
2.6. Finance - Accounting Department shall:
Allocate funding for regular operations of the
State Bank concerning research and performance of the tasks and solutions
provided for in this Decision./.
APPENDIX
LIST OF KEY TASKS IN IMPLEMENTATION OF PLAN FOR DIGITAL
TRANSFORMATION OF BANKING SECTOR BY 2025 WITH ORIENTATIONS TOWARDS 2030
(Promulgated together with
Decision No. 810/QD-NHNN dated 11/5/2021 by Governor of the State Bank)
No.
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In-charge unit
Cooperating
unit
Performing time
Expected
results
1
Mindset change,
promotion of communications activities and enrichment of knowledge about
digital transformation in banking sector
1.1
Introduce and celebrate "Digital
Transformation Day" of the banking sector on an annual basis.
Payment Department
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Annually
"Digital Transformation Day" has been
introduced and is celebrated.
1.2
Develop communications programs and organize
refresher training classes, activities and events to raise the awareness of
officials at all levels of digital transformation’s roles and benefits.
Payment Department
Payment Department, Banking Times, Banking
Review, State Bank affiliates, credit institutions and intermediary payment
service providers
Annually
Communications programs, seminars and conferences
1.3
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Payment Department
Banking Strategy Institute, International
Cooperation Department, Banking Academy, HCMC Banking University, Vietnam
Banks Association, State Bank branches of provinces and central-affiliated
cities, other relevant units, credit institutions and intermediary payment
service providers
2021-
2025
- Communications programs
via mass media.
- Relevant mechanisms,
policies and instructional documents.
1.4
Incorporate tasks in the Plan into emulation
movements launched by the Governor of the State Bank; commend and reward groups
and individuals with great achievements in digital transformation.
Emulation - Reward
Department
Payment Department and relevant units
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Commendation methods and guidelines
2
Formulation and
completion of legal frameworks facilitating digital transformation in banking
sector
2.1
Research, review and propose matters needing to
be made into law as appropriate to actual situation and trends in application
of digital technology to banking operations, gradually create strong legal
foundations for development of digital bank models.
Payment
Department, Department of Legal Affairs and Information Technology Department
Payment Department, Information Technology
Department, Monetary Policy Department, Department of Credit for Economic
Sectors, Banking Supervision Agency and relevant units; credit institutions
and intermediary payment service providers
2021-
2025
- Reports/ Documents
reviewing and proposing amendments to the Law on Credit Institutions, Law on
Prevention of Money Laundering, etc.
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2.2
Amend regulations on cashless payment and
management and supervision of payment, domestic payment and cross-border
payment to facilitate provision of diverse, modern and safe payment services
and products, meeting increasing demand of customers.
Payment Department
Department of Legal Affairs and relevant units
2021
- 2022
Decree superseding Decree No. 101/2012/ND-CP and superseding,
amended or new Circulars
2.3
Review and amend regulations on transaction
authentication mechanisms by harmonizing strong customer authentication and
seamless customer experience.
Information
Technology Department
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021
Amendment to Decision No. 630/QD-NHNN
2.4
Review, research and propose lending regulations
to enable electronic lending and automation of procedures for lending to
customers of credit institutions.
Monetary Policy
Department
Payment Department and relevant units
2021-
2022
Reports on review and proposal for promulgation
of (or amendment to) relevant law documents
2.5
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Banking
Supervision Agency
Payment Department, Monetary Policy Department
and relevant units
2022
Circular amending Circular No. 13/2018/TT-NHNN
2.6
Amend guidelines for factoring, bank guarantee and
supply chain finance via digital channels.
Department of
Credit for Economic Sectors
Payment Department, Monetary Policy Department
and relevant units
2022
...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2.7
Research, review and amend regulations enabling
digital technology application to foreign exchange transactions.
Foreign Exchange
Management Department
Department of Legal Affairs, Foreign Exchange
Management Department, Banking Supervision Agency and relevant units
2021
Reports on review and proposal for promulgation
of (or amendment to) relevant law documents
2.8
Research and review regulations facilitating
application of digital technologies (such as cloud computing, big data,
blockchains, artificial intelligence, machine learning, etc.) in banking operations.
Information
Technology Department
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2022
Research reports
2.9
Research and review regulations on collection,
use, processing and sharing of customer data with third parties, aiming for
open banking and diverse banking ecosystem.
Payment Department
Information Technology Department and relevant
units
2022
Research reports
2.10
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Information
Technology Department
Payment Department, Department of Legal Affairs
and relevant units
2022
The Circular is promulgated.
2.11
Develop and launch fintech regulatory sandboxes
for the banking sector.
Payment Department
Department of Legal Affairs, Information
Technology Department, Banking Supervision Agency and relevant units
2021
...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2.12
Review and amend the Decree on e-transactions in
the banking sector.
Information
Technology Department
Payment Department, Department of Legal Affairs
and relevant units
2021-2023
Decree amending Decree No. 35/2007/ND-CP
2.13
Review and amend regulations on cybersecurity,
confidentiality, provision of banking services online, etc. of the banking
sector.
Information
Technology Department
...
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Mọi chi tiết xin liên hệ:
ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021-
2023
Circular amending Circular No. 09/2020/TT-NHNN
and Circular No. 35/2016/TT-NHNN
2.14
Formulate and promulgate data standards and
technical standards for the banking sector for data connection, sharing and
use within the banking sector and between the banking sector and other
sectors.
Information
Technology Department
Payment Department, Department of Legal Affairs
and relevant units
2021-
2022
Governor’s Decision promulgating technical
standards and data standards
2.15
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Payment Department
Relevant units
2021- 2025 and
2026- 2030
The scheme is approved by the Prime Minister and
implemented.
2.16
Research and formulate a strategy for banking
sector data with the aim of smart data management models.
Information
Technology Department
Payment Department and relevant units
2025
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2.17
Research and formulate a strategy for payment
system development.
Payment Department
Relevant units
2021
Governor’s Decision approving the strategy is
promulgated and the strategy is adopted.
2.18
Research matters concerning central bank digital
money.
Payment Department
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021-
2023
Research reports
3
Digital
infrastructure development
3.1
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Information
Technology Department
Vietnam Exchange, Payment Department and relevant
units
2021
- 2030
Project on IBPS upgrade and modernization for
2021 - 2025 and 2025 - 2030.
3.2
Expand and develop switching and clearing systems
for retail payments to establish synchronized payment infrastructure capable
of integrating and connecting with other sectors, providing the basis for
expansion of the digital ecosystem and launch of 24/7 payment services;
support new connection models and payment methods (QR code payment,
e-wallets, checking accounts, etc.); establish connections for cross-border
payments.
Units authorized by State Bank
Payment Department, Information Technology
Department, Vietnam Exchange and relevant units
Annually
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
3.3
Upgrade infrastructure for credit information
provision and classification and data processing based on application of new
technologies such as big data, artificial intelligence, blockchains, etc.
National Credit
Information Center of Vietnam (CIC)
Information Technology Department and relevant
units
Annually
Data processing infrastructure is upgraded.
3.4
Upgrade the information portal connecting CIC
with credit evaluation and risk management systems of credit institutions to
enable online use and inspection of customer’s credit information.
CIC
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021-
2022
Connection information portal of CIC is upgraded.
3.5
Research and launch centralized infrastructure to
enable data connection, use and sharing with the national population
database, enterprise database and databases of other sectors for use and
consolidation of data of use to information verification and customer
classification and evaluation.
CIC
Payment Department and relevant units
2021-
2025
The infrastructure is put into operation.
3.6
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Information
Technology Department
Office of the State Bank and relevant units
2021-
2025
Data infrastructure is upgraded.
4
Establishment and
efficient operation of e-Government at State Bank
4.1
Digitalize operations of the State Bank according
to the 2.0 e-Government architecture.
Information
Technology Department
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021
- 2025
Perform tasks according to the 2.0 e-Government
architecture.
4.2
Launch information technology application plan
according to the State Bank’s plan.
Information
Technology Department
Relevant units
2021-
2025
Perform tasks according to Decision No. 260/QD-NHNN.
4.3
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Information
Technology Department
Relevant units
2021- 2025 and
2025 - 2030
Technology is applied to State Bank operations.
5
Establishment and
development of digital bank models at credit institutions
5.1
Formulate and implement a digital transformation
plan/ strategy with a focus on development of digital banking services based on
modern core banking and information technology systems in compliance with
Vietnamese and international standards that meet management requirements and
are suitable for the needs, capacity and potential of credit institutions.
Credit
institutions
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Annually
A digital transformation plan/ strategy is
promulgated (or incorporated into business development strategies/ IT
strategies) and implemented.
5.2
Research, develop and adopt branch models that
allow customers to make automatic and self-service transactions based on
digital technology application.
Credit
institutions
Relevant units
Annually
Self-service branch models are established.
5.3
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Credit
institutions
Relevant units
Annually
Digital banking products and services
5.4
Research adoption of credit scoring solutions for
customer data warehouses, open data and third party data and reliable scoring
models to facilitate customer’s access to loans via electronic means.
Credit
institutions
CIC and relevant units
Annually
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
5.5
Boost research on integration and expanded
connection with other sectors to establish a digital ecosystem and provide
diverse products and services aiming for new business models such as open
banking to provide friendly, safe, convenient and affordable products and services.
Credit
institutions
Credit institutions, intermediary payment service
providers, fintech companies and relevant units
Annually
Convenient and creative products and services in
cooperation with intermediary payment service providers and fintech companies
5.6
Formulate and adopt a general risk management
framework for at least operational, professional, information technology and
legal risks.
Credit
institutions
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
2021-
2025
The general risk management framework is
promulgated and applied.
5.7
Apply operating models and product development
methods in a simplified and flexible manner.
Credit
institutions
Annually
Simple and flexible operating models
5.8
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Credit
institutions
Relevant units
Annually
Bank fee policies are promulgated.
6
Development and
efficient use of digital data
6.1
Upgrade centralized databases of the State Bank
and credit institutions following big data models and promote collection and
cleaning of data from digital contact points and other data sources.
Credit institutions
and Information Technology Department
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Annually
Centralized databases are upgraded.
6.2
Enhance knowledge discovery and analysis to
support product and service individualization, optimize operations and
improve performance.
Credit
institutions
Relevant units
Annually
Data technology applications are employed.
7
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
7.1
Improve capacity for protection of computer
networks, databases and information systems exchanging data online in
accordance with Vietnamese and international standards.
Information
Technology Department and credit institutions
Relevant units
Regularly
7.2
Regularly review and assess risk throughout the processes
of design, operation and provision of products and services online to
promptly adopt preventive plans and responding solutions.
Information
Technology Department and credit institutions
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Regularly
7.3
Efficiently maintain internal control of
information security and safety to promptly detect, warn about and take
solutions to prevent risks arising from internal operations and professional
operations.
Information
Technology Department and credit institutions
Relevant units
Regularly
7.4
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Information
Technology Department and credit institutions
Relevant units
Regularly
7.5
Research and establish a security operations center
for the State Bank.
Information
Technology Department
Relevant units
2025
...
...
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
8
Human resource
development
8.1
Regularly organize training and refresher courses
concerning digital transformation knowledge and skills for banking officials
and workers; provide incentive policies to attract high-quality workers who
possess information technology knowledge and qualifications and digital
transformation skills.
Human Resources
Department
Banking Academy,
HCMC Banking University, Banking Training School, State Bank Departments and
credit institutions
Annually
Training courses
8.2
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Banking Academy
and HCMC Banking University
Human Resources
Department, Payment Department and relevant units
Annually
Training programs
8.3
Promote international cooperation, application of
international experience and employment of foreign experts for training
activities; participate in network of experts in digital transformation of
the banking sector.
Human Resources
Department and credit institutions
Relevant units
Annually
...
...
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
9
Some other
solutions and tasks
9.1
Enhance cooperation and exchange and sharing of
experience concerning digital transformation of the banking sector with
foreign partners. Actively participate in regional and international bilateral
and multilateral cooperation forums in relation to renovation and innovation.
International
Cooperation Department
Payment Department
and relevant units
Annually
Cooperation reports/ information exchange
programs and forums
9.2
...
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ĐT: (028) 3930 3279 DĐ: 0906 22 99 66
Banking Strategy
Institute
Payment Department
and relevant units
Annually
Lists of topics and projects; research reports
9.3
Organize a conference for bank - digital transformation
enterprise connection on an annual basis. Closely cooperate with local
governments in launching incentive credit programs (programs on lending for
stimulation of investment demand, concessional loans) for digital technology
enterprises to support key digital transformation products and enterprises
undergoing digital transformation.
Department of
Credit for Economic Sectors
Payment Department, Monetary Policy Department
and relevant units
Annually
...
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- Instructional documents