2025 AGENDA

0800 - 0900

Registration

0900 - 0905

Opening Remarks

0905 - 0935

PANEL DISCUSSION

Vietnam’s Digital Leap: Aligning Innovation,Regulation, and Market Realities

Vietnam’s banking sector is navigating a historic shift, driven by 70 million mobile banking users and the State Bank’s push for digital banking licenses. With fintechs and e-wallets like MoMo dominating transactions, traditional banks must modernise legacy systems while addressing cybersecurity risks and rural inclusion. How can Vietnam’s banks balance agility with compliance to lead Southeast Asia’s fastest-growing digital economy?

How can banks accelerate legacy system modernisation to enable seamless integration with e-wallets and fintechs while maintaining customer trust?
What regulatory strategies can ensure innovation thrives under the State Bank’s digital transformation roadmap?
How can cybersecurity frameworks be embedded into digital banking roadmaps to mitigate rising fraud risks in Vietnam’s cashless ecosystem?
What partnership models will optimise collaboration between banks, fintechs, and telecom providers to expand financial access?
How should success metrics for digital transformation align with Vietnam’s National Digital Transformation Program (NDTP) goals?

0935 - 0950

PRESENTATION

Lightbulb Moments

0950 - 1030

NETWORKING

Networking Break

1030 - 1100

PANEL DISCUSSION

From Rice Fields to Fintech Hubs: Closing Vietnam’s Financial Inclusion Gap

Vietnam’s digital economy is booming, yet financial inclusion remains uneven. Despite 87% mobile penetration, 65% of rural adults remain unbanked, and women-owned SMEs face limited access to formal credit. With a $21 billion SME credit gap and rural communities increasingly adopting digital wallets, banks must rethink distribution models, alternative credit scoring, and agent networks. How can financial institutions harness digital innovation to empower farmers, women entrepreneurs, and micro-businesses - without leaving vulnerable populations behind?

How can banks leverage mobile-first solutions toovercome literacy and connectivity barriers in Vietnam’s rural regions?
What hybrid models (digital platforms + agent networks) can sustainably serve SMEs in Vietnam’s informal economy?
How can open banking frameworks be tailored to support micro-lending while complying with SBV regulations?
What role should banks play in educating rural customers on digital tools to combat predatory lending?
How can banks partner with agritech platforms to embed financing into supply chains?

1100 - 1115

PRESENTATION

Lightbulb Moments

1115 - 1145

PANEL DISCUSSION

QR Codes to Cross-Border Payments: Redefining Vietnam’s Transaction Ecosystem

With 45 million e-wallet users and QR codes powering over one-third of retail transactions, Vietnam is at the forefront of payment digitisation. Yet the ecosystem remains fragmented, with limited interoperability between wallets and banks, and minimal cross-border capabilities. As ASEAN moves towards regional payment linkages, Vietnam must address fraud risks, regulatory harmonisation, and digital inclusion. How can banks modernise infrastructure and partnerships to move beyond domestic QR systems and build a secure, scalable, and globally competitive payments ecosystem?

How can banks collaborate to create a unified QR standard across ASEAN, addressing currency and regulatory fragmentation?
What innovations will extend digital payments to Vietnam’s 13 million informal vendors?
How can real-time payment systems (e.g., NAPAS) integrate blockchain for remittance efficiency?
What cybersecurity protocols are critical for securing open banking APIs in Vietnam’s fintech ecosystem?
How can banks measure the impact of payment innovations on financial inclusion?

1145 - 1200

PRESENTATION

Lightbulb Moments

1200 - 1300

NETWORKING

VIP Networking Lunch

1300 - 1315

PRESENTATION

Lightbulb Moments

1315 - 1345

PANEL DISCUSSION

AI in Banking: Accelerating Growth Without Compromising Trust

AI adoption in Vietnam’s banking sector is expanding at a projected CAGR of 28%, enabling advancements in credit scoring, chatbots, and real-time fraud detection. Banks are leveraging AI to improve efficiency and customer experience - but face growing scrutiny over data privacy, algorithmic transparency, and ethical risks. As SBV drafts national AI governance guidelines and the National Digital Transformation Programme (NDTP) prioritises responsible innovation, how can banks build trust, ensure compliance, and develop explainable AI models that serve diverse customer segments without reinforcing bias?

How can banks ensure transparency in AI-driven loan approvals to build trust among first-time borrowers?
What safeguards are needed to prevent bias in AI models serving Vietnam’s ethnically diverse population?
How can AI optimise operational costs for banks while improving CX in Vietnam’s competitive e-wallet landscape?
What metrics should define ethical AI success beyond profitability?
How can banks collaborate with regulators to shape AI policies that foster innovation?

1345 - 1400

PRESENTATION

Lightbulb Moments

1400 - 1430

PANEL DISCUSSION

Collaborative Finance: Building Vietnam’s Open Banking Ecosystem

As SBV accelerates open banking initiatives under its digital transformation roadmap, the country’s financial institutions face a pivotal challenge: enabling secure data sharing while maintaining customer trust. With over 45 million e-wallet users and a rising tide of API-driven fintech partnerships, the need for robust frameworks around consent, authentication, and liability is urgent. How can banks embrace open APIs, build developer ecosystems, and co-create value with third parties - without compromising data privacy or regulatory compliance?

What governance models will ensure secure API integrations between banks, fintechs, and non-financial platforms?
How can digital identity solutions (e.g., National ID integration) streamline KYC processes?
What revenue-sharing models incentivise banks to participate in open banking ecosystems?
How can SMEs benefit from open banking data sharing to access tailored credit products?
What safeguards will build public trust in data-sharing initiatives?

1430 - 1445

PRESENTATION

Lightbulb Moments

1445 - 1515

NETWORKING BREAK

Networking Break

1515 - 1530

PRESENTATION

Lightbulb Moments

1530 - 1600

PANEL DISCUSSION

CX Revolution: Blending Digital Efficiency with Vietnam’s Cultural Nuances

Vietnam’s banking customers are increasingly omnichannel, with 68% using both digital and in-person services. Yet stark contrasts remain - urban Gen Z consumers in Ho Chi Minh City demand seamless, mobile-first experiences, while rural populations in provinces like Ha Giang continue to rely on cash and branch-based services. As banks accelerate digital transformation, customer experience (CX) strategies must go beyond technology to reflect Vietnam’s diverse cultural, linguistic, and behavioural nuances. How can institutions design hyper-personalised journeys that blend automation with empathy, digital speed with human connection, and innovation with deep local relevance?

How can AI-driven interfaces balance automation with human empathy in customer interactions?
What role should community banking agents play in bridging digital and physical touchpoints?
How can banks redesign apps to cater to Vietnam’s preference for social commerce and gamification?
What metrics capture CX success across Vietnam’s generational and regional divides?
How can banks leverage local fintech partnerships to enhance CX without diluting brand trust?

1600 - 1615

PRESENTATION

Lightbulb Moments

1615 - 1645

PANEL DISCUSSION

Cyber Resilience: Safeguarding Vietnam’s Digital Banking Ambitions

In 2024, Vietnam’s financial sector faced over 12,000 cyberattacks - a staggering 65% year-on-year increase - targeting everything from core banking systems to customer-facing apps. As digital banking adoption surges and banks migrate to cloud-based infrastructure in line with SBV's cloud-first directive, the threat surface is expanding rapidly. How can banks strengthen real-time threat detection, incident response, and resilience while aligning with evolving regulations and maintaining customer trust in a high-stakes digital environment?

How can zero-trust architectures be implemented without compromising transaction speeds?
What strategies will secure third-party integrations (e.g., e-wallets, superapps) in Vietnam’s fragmented ecosystem?
How should banks collaborate with the National Cybersecurity Center to combat ransomware?
What role can AI play in detecting emerging threats specific to Vietnam’s digital banking landscape?
How can banks address the cybersecurity talent shortage through SBV-led training initiatives?

1645 - 1700

Closing Remarks

THE INDUSTRY'S TOP VOICES

2025 SPEAKERS

Muhammad Neil El Himam

Deputy Chairman for Digital and Technology Creativity

Ministry of Creative Economy

Mirza Adhyatma

SVP, Head Consumer Loan

Bank Sinarmas

Arif Ilham Adnan

Co-Chair

Association of Digital Leaders

Luthfian Aenimustafa

Senior Consultant

Deloitte Digital SEA

Anky Andikara

Sales Lead, Indonesia

Telesign

Ferdi Anggriawan

VP of Growth

Allo Bank

Rani Astrianti

Head of Strategic Initiatives

Bank Mandiri

Goutama Bachtiar

Director of IT Advisory

Grant Thornton Indonesia

Catherine Devina

Digital Product Head

Bank Ina

Sendy Filemon

Director of IT & Digital Experience

Bank Sinarmas

Norman Frankel

Chief Growth Officer

Stanchion Payment Solutions

Tjandra Gunawan

Managing Director

PT TnJ Global Consulting

Lukman Hakim

Director of Digital & Operation

Bank Raya Indonesia

Melisa Hendrawati

CFO

Superbank

Lucky Herviana

Chief Digital Transformation Officer

PT CLIK

Anson Hu

Business Director

Tencent Cloud Indonesia

Asih Karnengsih

Executive Director

Asosiasi Blockchain Indonesia

Prashant Krishnan

Director, Strategy & Business Design

Monitor Deloitte

Krisna Kurniawan

VP Compliance & Risk

KB Bank

Louis Fernando Kusnadi

Digital Partnership Dev Head

Bank Mayapada

Theresia Kusumaningtyas

Division Head HR L&D

Permata Bank

Karthikeyan Muniappan

VP, Division Manager

UOB

Arwinto Nugroho

Country Director

PingCAP

Naek Ompusunggu

Tech Principal

Digital Ecosystem for Banking

Reda Oummouy

Chief Marketing, Sales & Innovation Officer

Adria B&T

Sigit Prihatmoko

VP Corporate Innovation

Bank Negara Indonesia

Adrianto Hendra Putra

CISO

Major Financial Institution

Yan Putro

Head of Digital Branch

Bank BTN

Ankur Raina

Principal Sales Engineer

Cockroach Labs

Raine Renaldi

Chief Digital Asset Committee

KADIN

Eric Rianto

VP of Cash Management Sales

HSBC

Dedy Sahat

EVP, Head of Digital Economy

CIMB Niaga

Firdila Sari

Digital Banking Director

Bank Aladin

Pardi Setiawan

AVP, International Remittance

Bank Syariah

Nikolai Shiryaev

BD Director (Southeast Asia)

VisionLabs

Franz Sihaloho

Country Director

Braze

Roy Simangunsong

Country Head

MoEngage

Purnama Sulfa

Head of CISO Division

Bank Mandiri Taspen

Steven Tirtabudi

Enterprise Account Director, Indonesia

Cockroach Labs

Sufen Triantio

CFO

Bank Neo Commerce

Durga Prasad Uppu

VP of Application Development

Bank Negara Indonesia

Asa Vipana

Deputy Group Head

Bank Mandiri

Lily Wongso

EVP Enterprise IT Architecture

Bank Central Asia

Deasy Wulaningsih

Chief Financial Officer

Bank Maspion Indonesia

Yoga Yustiawan

AI Research Lead

Bank Rakyat Indonesia

VIETNAM EDITION

4 AUGUST 2025, HO CHI MINH CITY

VIETNAM'S PREMIER EVENT ON DIGITAL BANKING TRANSFORMATION

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