Nam A Bank

Realizing Our Client's Vision For The Future

We deliver measurable results

Best New Digital Bank Vietnam 2021

At the IBM Awards

100,00 0 +
Active users


At the Vietnam’s Best Digital Bank 2021

0 %
Growth in Revenue
0 +
Supported on a personalized mobile banking platform
0 %
Growth in Conversion Rate
0 %
Growth in Average Order Value

Get to know Nam A Bank

Founded in 1992, Nam A Bank was one of Vietnam’s first joint-stock commercial banks after the 1990’s Banking Ordinances. With more than 100 branches, 3400 employees and total assets of more than 100,000 billion VND, Nam A Bank understands that digitization must be a prime focus to ensure growth. By leveraging the latest technology trends, they aim to quickly expand their market share become the leading competitor among the top five banks in Vietnam.


Targeted solutions for

Reinventing the Bank’s Vision and Revolutionizing Customer Experience

Nam A Bank needed an easier way to authenticate their customer’s information and identity that could work with their existing app. They desired a biometric solution that would be fast, secure and convenient.

Biometric Technology for a Future-Forward Banking

SmartOSC was selected to help Nam A Bank customize and integrate world-class 3D biometric identity verification technology for user authentication into their existing Open Banking app.

As Vietnam’s first 3D biometric identification application in the banking industry, the upgrade is expected to help realize the bank’s vision and revolutionize the customer experience.


Success mentality

Implementing new technologies in banking requires thorough technical design and testing. We guided Nam A Bank through it all.

“The task to continuously improve and enhance Open Banking is one of the proofs showing our determination to go digital-first and create optimized experiences for customers. Building the bank’s very own technology platform is hard enough, but keeping it running and updated with the world’s latest technological and business trends is a task on another level. As a bank ranked the top banking ICT Index for several years, we believe the joint effort we had with SmartOSC is a highlight on our journey to conquer other digital transformation peaks in the future.”

Nguyen Vinh TuyenNam A Bank’s CIO

We bring real results

Best New Digital Bank Vietnam 2021

At the IBM Awards

100,000+ active users

Supported on a personalized mobile banking platform


Revenue growth


At the Vietnam’s best digital bank 2021

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Our tools for success

Biometric Identity Verification for Frictionless Security

This solution encompasses a perfect harmony of data encryption and anti-fraud tools. When customers are onboarding, a quick video selfie verifies these items:

  • 3D liveness
  • Compares the user’s face to their photo ID
  • Uses optical character recognition (OCRs) for the ID text
  • Searches previously enrolled user faces for duplicates.

After onboarding, whenever customers use the Open Banking application, the face authentication will compare 3D liveness to Nam A Bank’s record. If they match, access is granted and no password is required.

Increased Operational Productivity

Along with the capability to detect fraudulent documents, SmartOSC’s eKYC solution also reduced manual data entry errors. Through this, the bank can save operational fees and accelerate the product release process to serve customers better.

Enhanced Customer Experience

While ensuring the highest level of security standards, biometric identification also streamlined other processes. It allows customers to gain a wide range of benefits in one touch including digital onboarding, login processes, and transaction authentications for payments and transfers. Now the bank’s clients can save time and gain more control over their financial activities.

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