The paper is titled: "Impacts of load modeling on distribution network hosting capacity"
- BIDV Annual Report 2021 (available on bidv.com.vn)
- State Bank of Vietnam Circular No. 16/2021/TT-NHNN on eKYC
- SABA Fintech Case Study: “Modernizing BIDV’s Core” (internal white paper, 2022)
: BIDV led the market with a credit market share of over 13% and a deposit market share of more than 11%. Digital Transformation Milestones Launched the BIDV SmartBanking
Further Reading:
1. Instant Balance & Mini-Statement
SABA allows users to check account balances, savings accounts, and credit card limits without navigating through menus. A simple text or voice command like "Số dư tài khoản" (Account balance) returns an instant response.
Adopted a 360-degree digitalization approach to modernize infrastructure and customer experiences. Operational Efficiency Despite the pandemic,
The Future: What Came After SABA BIDV 2021
The 2021 version laid the groundwork for subsequent innovations:
Short Case Example — SME Loan Flow (digital)
- Customer logs in via mobile app and selects “SME Quick Loan.”
- App pre-fills data from stored business profile; customer uploads latest financials.
- Automated credit scoring runs (internal data + credit bureau).
- Decision engine returns approve/decline within minutes; approved loans show terms.
- Electronic signature and e-contract completed; funds disbursed same day.
Create a Development Plan: Outline the steps needed to develop the feature, including timelines, resources required, and any potential risks.