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Nam A Bank


ASUS is one of Fortune magazine’s World’s Most Admired Companies, and is dedicated to creating products for today and tomorrow’s smart life. ASUS employs more than 16,000 people worldwide with over 5,000 world-class R&D talents.

Driven by innovation and committed to quality, the company won 4,511 awards and earned approximately US$13 billion of revenue in 2017, $5.5 billion of which came from the Singapore region.


Automatic Payment Allocation
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Unified B2B & B2C
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ROG customization
Complete O2O Customer Experience
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ROG Elite and Royal Club Membership Programs
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Consolidated commercial and B2C support

The New Journey

SmartOSC was selected to help them 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.

“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.” - Mr. Nguyen Vinh Tuyen, Nam A Bank’s CIO.

Nam A Bank Case Study


How We Did It

Biometric identity verification 

The eKYC solution is Vietnam’s first 3D biometric identification application. Including 3D Liveness, Facematch 1:N, AI-enabled fraud check, and a fully flexible workflow engine, it is built to meet international standards and customized to integrate with Nam A Bank's Open Banking app.


This solution encompasses a perfect harmony of data encryption and anti-fraud tools. When customers are onboarding, a quick video selfie verifies 3D Liveness, compares the user’s face to their photo ID, uses optical character recognition (OCRs) for the ID text, and searches previously enrolled user faces for duplicates. When the user returns to use the Open Banking service, the face authentication will again check 3D Liveness and compare it to the person onboarding. 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, the solution also greatly enhanced user experience. It allows customers to choose a wide range of benefits in just one touch including digital onboardings, 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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