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Financial and Banking Solutions

Refunds/Exemptions

ETC cung cấp dịch vụ tư vấn chuyên sâu trong lĩnh vực công nghệ thông tin và an ninh mạng, giúp Chính phủ, doanh nghiệp, tổ chức lựa chọn và triển khai giải pháp phù hợp nhất với nhu cầu, mục tiêu và ngân sách.

Chúng tôi đồng hành cùng khách hàng từ khâu đánh giá hiện trạng hệ thống, xác định yêu cầu kỹ thuật, đến lập kế hoạch triển khai và tối ưu vận hành, bao gồm:

IT infrastructure architecture consulting

Allows taxpayers to file applications for tax refunds, tax reductions, tax exemptions, and VAT refunds for foreigners.

Security consulting

Customs officers handle applications for tax exemption, tax reduction, tax refund, non-collection of tax, and VAT refund for foreigners: they may assign tasks, classify, search, and review reports;

System integration solution consulting

Built on a web-centric model, using the Java programming language and an Oracle database.

Digital transformation consulting

With an optimized design ensuring high performance and virtually uninterrupted continuous operation, the solution will fully meet the needs of businesses.

Internal Accountant

Internal Accountant

Ensure that the functions, ledgers, and reports comply with the changes in the new accounting system.

INCLUDING THE MAIN SUBSYSTEMS

  • Budgeting and Allocation Subsystem
  • Finance and Accounting subsystem
  • Document Management Subsystem
  • Payroll and Human Resources Expenses Subsystem

The solution is built on a layered architecture, using advanced technologies such as VueJs, Java Spring Boot, and Oracle.

Software system for connecting, integrating, and sharing data (Tax)

The software system for connecting, integrating, and sharing tax data serves as an intermediary platform supporting the synchronization, interoperability, and integration of information between tax-related business systems and external agencies and organizations such as customs, treasury, banks, business registration agencies, social insurance, police, etc. The system ensures secure, accurate, and real-time data transmission and reception through established connection standards.

Solution for providing declaration information

Solution for providing declaration information

Providing tax declaration information to relevant units (ministries, departments, banks, businesses) and receiving and processing information received from the General Department of Taxation.

INCLUDES THE FOLLOWING FUNCTIONS

  • Providing information to banks, ministries, and agencies using the Integrated Business Platform (ESB) solution: information on import and export declarations; amended and supplementary declarations after customs clearance.
  • Providing information to the tax authorities: list of businesses complying with customs laws; list of businesses penalized for violations; decisions on post-clearance inspections...
  • Obtain data from the tax authorities: Tax registration information; financial statements; tax compliance information; corporate income tax settlement...
  • Look up transmission history
  • Statistical report

The solution utilizes IBM's integration platform and Java-based web service technology.

Internet Banking Solutions

The e-banking solution was implemented to support the bank's comprehensive digital transformation, focusing on the retail segment. The solution replaced the outdated Internet Banking system, which suffered from performance issues, with the modern SAP Omnichannel Banking platform.

Internet Banking Solutions

THE SOLUTION INCLUDES

  • SAP Omnichannel Banking Platform

    The core system completely replaces the old Internet Banking.

  • Service Orchestration Layer

    Handle backend operations and ensure a smooth transaction flow.

FEATURES OF THE SOLUTION

  • Multichannel architecture

    The system integrates end-to-end communication channels with the backend service orchestration layer and critical connection points, creating a seamless transaction platform.

  • Outstanding performance

    Designed to handle large transaction volumes simultaneously, ensuring high reliability and flexible scalability when needed.

  • System integration

    Seamless connectivity between internal backend systems and third-party partners optimizes operational processes.

BENEFITS OF THE SOLUTION

  • The new system has thoroughly addressed the performance issues of the old Internet Banking platform, creating a solid technological foundation for the digital transformation strategy in the retail banking sector. This solution has proven remarkably effective in supporting customer growth far exceeding initial expectations, while promptly meeting the ever-increasing demand. In particular, the system has demonstrated high flexibility in infrastructure upgrades to accommodate actual growth, thereby helping the bank maintain its competitive advantage in the market.

Factoring and supply chain financing solutions

The Supply Chain Financing System solution is implemented to provide comprehensive supply chain financing services to banks, helping to strengthen their market leadership position in this field. Developed in collaboration with a leading global technology partner, the solution aims to become the first system in Vietnam to offer a full range of supply chain financing services.

Factoring and supply chain financing solutions

THE SOLUTION INCLUDES

  • Invoice Financing

    Helping businesses access capital quickly based on invoices generated.

  • Purchase Order Financing

    Financial support is available right from the order placement stage.

  • Dynamic Discounting

    Allows for flexible adjustment of discount levels.

FEATURES OF THE SOLUTION

  • Supply Chain Financing System

    Enhancing the capacity to support the financial needs of corporate clients and value chain partners.

  • Localization and integration with existing banking software.

    The software was implemented comprehensively in collaboration with Premium Technologies.

BENEFITS OF THE SOLUTION

  • This solution has brought about a breakthrough in corporate banking services, optimizing working capital, shortening business cycles, and improving financial efficiency for the entire supply chain. It is considered a pioneering solution in the market, affirming the leading position of Vietnam Joint Stock Commercial Bank for Industry and Trade in the field of trade finance.

Payment Hub solution

The Payment Hub solution is implemented based on the Finastra Global PAYplus (GPP) platform to replace the old internal software system, modernizing the bank's payment infrastructure. The integrated multi-channel payment solution includes international money transfers via SWIFT (with SWIFT GPI support), interbank payments via CITAD, and instant payments via NAPAS, becoming a unified payment center capable of connecting with partner systems and government agencies, meeting all the complex transaction requirements of the bank.

Payment Hub solution

THE SOLUTION INCLUDES

  • Finastra Global PAYplus (GPP)

    Used to replace the old internal software system.

  • CITAD and NAPAS payment gateways

    Integrated with GPP and supports the ISO 20022 messaging standard.

  • Case management system

    Customized for optimal performance.

  • Branch delivery portal

    Integrated with GPP

FEATURES OF THE SOLUTION

  • Handling diverse payment transactions

    The solution provides comprehensive support for key payment methods, including international money transfers via SWIFT (with integrated SWIFT GPI), interbank payments via the CITAD system, and instant payments via NAPAS.

  • Advanced transaction reconciliation tool

    Equipped with a Transaction Matching Engine, the system automates the matching process, increasing the Self-Processing Rate (STP) from an initial 40% to nearly 100%, optimizing operational efficiency.

  • Comply with international standards

    The solution is developed according to ISO 20022 standards through tight integration of CITAD and NAPAS payment gateways, ensuring high compatibility with the global banking ecosystem.

  • Centralized management system

    It includes a customized Case Management System module and a dedicated Branch Delivery Portal for each branch, creating a unified, synchronized payment center.

  • Extended integration capabilities

    The solution has the potential to connect seamlessly with internal systems, the SWIFT system, and the State Bank's system, creating a complete payment ecosystem.

BENEFITS OF THE SOLUTION

  • The Payment Hub solution delivers significant benefits when deploying the Finastra Global PAYplus (GPP) platform to replace the legacy system, comprehensively modernizing the bank's payment infrastructure. This solution enables almost 100% automated transaction processing (STP ~100%) thanks to a dedicated reconciliation tool, far exceeding the previous system's efficiency of only 40%. With its ability to integrate multiple payment channels including SWIFT (with SWIFT GPI support), CITAD, and NAPAS, and its interconnectedness with the State Bank of Vietnam's system, the solution not only enhances operational efficiency but also affirms Vietcombank's leading position in the payment sector, particularly by becoming the first Vietnamese bank to participate in the SWIFT GPI initiative.

DCRS debt recovery and resolution management solution

The solution was developed to comprehensively digitally transform debt collection operations and debt processing management, helping to optimize efficiency and manage the loan lifecycle. The system is implemented in two main phases: (1) Digital Collection and (2) Digital Recovery, meeting the specific business needs of the bank through localization and deep customization.

DCRS debt recovery and resolution management solution

THE SOLUTION INCLUDES

  • Digital debt collection system (Digital Collection)

    Highly customizable to fit the organizational structure and meet specific organizational requirements.

  • Digital debt recovery system

    Both systems are customizable and integrated with a range of critical systems including: core banking, enterprise data warehouse, loan origination system, collateral and credit limit management system (CLIMS), customer service call center, and early warning system.

FEATURES OF THE SOLUTION

  • System integration

    The solution has established a technical connection with the bank's existing systems.

  • Loan lifecycle management

    Through integration with specialized business systems (LOS, CLIMS)

  • Digital transformation of debt collection operations and debt processing management using modern software.

    A solution to optimize efficiency and comprehensively manage the loan lifecycle.

BENEFITS OF THE SOLUTION

  • The system comprehensively digitizes the debt recovery process, from alerting to processing, completely replacing traditional manual methods. Importantly, the solution seamlessly integrates with the bank's six core systems, including Core Banking, Enterprise Data Warehouse, LOS, CLIMS, Call Center, and Early Warning System, forming a unified whole. The solution has been localized and extensively customized to suit the bank's specific structure and requirements.

Lakehouse - Data Lake Solution

Lakehouse - Data Lake Solution

Data Lake for Banking is a centralized data storage and analysis platform that helps banks intelligently manage large volumes of diverse data (transactions, customers, system logs, etc.). With real-time processing capabilities and AI/ML integration, the solution optimizes operational processes, enhances customer experience, and strengthens security.

KEY FEATURES OF DATA LAKE

  • The platform is capable of receiving and integrating data from multiple sources using a variety of methods and formats.
  • Data is stored long-term in the modern Lakehouse architecture, optimized for processing and exploitation.
  • Data processing and transformation systems operate continuously – from standardization and aggregation to analytical modeling and the calculation of management metrics.
  • Simultaneously, the platform handles the management of master data, ensuring consistency and uniformity throughout the entire system.
  • Data governance includes metadata management, data quality, traceability, and data monitoring.
  • Integrating machine learning and artificial intelligence (AI/ML) platforms, the system offers advanced analytical capabilities, trend forecasting, and strategic decision-making support.
  • Finally, the visual data mining layer provides quick bulletin boards, intelligent reporting, and data query connectivity.
  • The entire platform is built on a robust, scalable storage infrastructure, along with backup mechanisms, information security, and multi-layered protection, ensuring that data is always safeguarded.

Anti-Money Laundering (AML) Solutions

The Blacklist Filtering & Customer Identification (WLF & KYC) solution is developed to help banks strictly comply with legal regulations on anti-money laundering (AML), fraud, and terrorist financing. The solution integrates advanced technology, enabling the automation of the WLF (Winter List Check) and KYC (Know Your Customer) verification processes, ensuring security and transparency in banking operations.

Anti-Money Laundering (AML) Solutions

THE SOLUTION INCLUDES

  • WLF (Watchlist Filtering)

    Automatically scan customers against global sanctions lists, minimizing legal risks.

  • KYC (Know Your Customer)

    It supports real-time verification and updating of customer information, suitable for various business scenarios such as opening new accounts or updating existing profiles.

FEATURES OF THE SOLUTION

  • Multi-source data integration

    Synchronize information from existing banking systems.

  • Dynamic KYC

    Supports flexible customer information verification across multiple business modules.

  • Localization

    Optimizing processes and interfaces to suit Vietnamese banking operations.

  • Trader support tools

    The sidecar application helps employees complete KYC quickly and accurately.

  • Comply with regulations

    Ensure compliance with international and local AML/CFT standards.

BENEFITS OF THE SOLUTION

  • The Anti-Money Laundering (AML) solution helps banks fully comply with AML regulations, especially in critical international money transfer transactions such as SWIFT, Western Union, Wells Fargo ExpressSend, Cathay United Bank, and CIMB Islamic Bank. By automating the WLF (Writer Network Facilitation) and Know Your Customer (KYC) processes, the solution minimizes the risk of legal violations while ensuring transparency and security in all cross-border transactions.

  • With its seamless integration into existing systems, the solution optimizes performance, reduces manual processing time for tellers, and ensures consistency in customer data management. Importantly, the solution is localized to suit banking operations in Vietnam, helping VietinBank maintain its reputation with global financial institutions and strengthen its position in the international banking system.

Flexicard prepaid card system

This high-tech prepaid card solution is designed to enhance competitiveness in the electronic payment sector, particularly focusing on the business customer segment. The system combines advanced security technology with multi-platform integration capabilities.

Flexicard prepaid card system

THE SOLUTION INCLUDES

  • Smart cards utilize modern technology.

  • Multi-layered security architecture

  • Secure online top-up system

  • Deep integration capabilities with core banking systems.

FEATURES OF THE SOLUTION

  • Advanced security system

    The system integrates multi-layered security technology with international standard encryption algorithms and a dedicated authentication module, ensuring absolute security for all transactions.

  • Secure remote top-up

    With a security system that meets international standards, the solution minimizes fraud risks while optimizing the customer experience through flexible transaction features.

  • Integration capabilities

    An open system architecture allows for rapid deployment across various business models, significantly reducing infrastructure investment costs.

BENEFITS OF THE SOLUTION

  • Prepaid card solutions offer a superior competitive advantage in the electronic payment market, helping financial institutions maintain and expand their market share thanks to proprietary technology. With an internationally standardized security system, the solution minimizes fraud risks while optimizing customer experience through flexible transaction features. The open system architecture allows for rapid deployment across various business models, significantly reducing infrastructure investment costs. Importantly, the complete technology transfer gives operators complete autonomy in system usage and development.

LOS & CLIMS Credit Business Solutions

The LOS & CLIMS solution is a comprehensive credit management system that helps banks digitize and optimize the entire lending process, from application submission to collateral management. The solution combines advanced technology with high customizability, making it suitable for the multi-tiered operating model of commercial banks.

LOS & CLIMS Credit Business Solutions

FEATURES OF THE SOLUTION

  • Initiate a SmartLender (LOS) business loan

    Supports a diverse range of credit products (corporate, individual, retail); Automates multi-level appraisal and approval processes; Integrates risk assessment and credit rating tools.

  • SmartLender Collateral and Credit Limit Management System (CLIMS)

    Track collateral throughout the loan lifecycle; Receive risk alerts when asset values ​​fluctuate; Manage credit limits centrally.

  • Integration capabilities

    Seamless integration with Core Banking systems; Compatible with CRM, KYC, and AML solutions.

BENEFITS OF THE SOLUTION

  • The solution streamlines application processing time by automating procedures and eliminating paperwork. With an intelligent risk assessment system, the bank reduces non-performing loan ratios and improves asset quality. Centralized management of collateral and credit limits enables effective risk control while ensuring full compliance with State Bank regulations. The solution also enhances customer experience through transparent processes and fast approval times.

POS equipment and software systems

Our comprehensive POS solution is designed to enhance the electronic payment capabilities of financial institutions, providing a diverse range of integrated equipment and software suitable for all types of businesses, from retail and hospitality to transportation services.

POS equipment and software systems

FEATURES OF THE SOLUTION

  • Multi-platform system

    Supports a wide range of POS devices with flexible integration capabilities into existing systems.

  • Centralized management

    Remote device management tools include inventory, software updates, and operational monitoring.

  • Enhanced security

    Supports electronic signatures, online POS payment receipts, and transaction data encryption that meets international standards.

  • Compatibility

    Integrated with a variety of banking systems and international payment cards.

  • Stable transaction processing

    Operates continuously even on low-speed connections such as dial-up and GPRS.

BENEFITS OF THE SOLUTION

  • The solution offers the potential to expand the electronic payment market share thanks to its flexible equipment and software system, suitable for businesses of all sizes. Banks can enhance customer service by providing modern payment solutions, while optimizing operating costs through a centralized remote management system. With diverse integration capabilities, the solution allows connection with various international payment cards, expanding opportunities for cooperation with global financial institutions. Advanced security systems ensure the safety of all bank transactions, while stable operation across multiple connections helps maintain continuous service.