The "Most Innovative Digital Remittance Company Vietnam 2025" award is more than just a recognition of Vietcombank Remittance's technological advancements; it’s also a milestone in a long-standing development philosophy. At its core, every remittance transaction is viewed not merely as a cross-border cash flow, but as a vessel of trust and a bridge of kinship connecting overseas Vietnamese to their homeland.
Most Innovative Digital Remittance Company Vietnam 2025" certificate awarded by The International Finance Magazine, London, UK.
Customer-Centricity Built on a Foundation of Trust
Recently, the UK-based International Finance Magazine (IFM) officially honored Vietcombank Remittance as the “Most Innovative Digital Remittance Company Vietnam 2025.”
For Vietcombank Remittance Company, remittance has never been just about the numbers. Behind every transaction lies the hard work, homesickness, and aspirations of millions of overseas Vietnamese. Deeply understanding this, we have chosen a path of sustainable development entrenched in a "Customer-Centric" philosophy. The peace of mind of every Vietnamese family serves as the Guiding principle for all operations, prioritizing understanding and empathy over mere product creation.
Amidst the rapid and unpredictable fluctuations of the global financial market, we avoid chasing short-term gains. The company remains steadfast in investing in service quality, customer experience, and the elements that foster long-term brand loyalty. Its 24/7 professional customer support system is designed to accompany clients across all time zones and circumstances.
Vietcombank Remittance Company also asserts its pioneering role by collaborating with authorities to draft effective policies for attracting remittance. Notably, the company has provided strategic contributions to the Ho Chi Minh City People's Committee’s project on "Effectively Leveraging Remittance Resources" with a vision toward 2030, aiming to optimize foreign currency capital and drive sustainable socio-economic growth.
This spirit is further exemplified through community-oriented initiatives. Understanding the heartache of overseas workers when natural disasters strike home, Vietcombank Remittance Company is set to launch fee-waiver programs for transactions sent to flood-affected areas, particularly Central Vietnam, with the aims to assist citizens in stabilizing and rebuilding their lives.
Trinh Hoai Nam (2nd, R), Member of Board of members and CEO of Vietcombank Remittance Company, and Ngo Nhat Linh (R), CEO and Chairman of the Trade Union, together with local government representatives at the house handover ceremony in Vinh Long. Photo courtesy of Vietcombank Remittance
In every endeavor, we strive to be professionally robust yet socially responsible. In 2025, the company supported the construction of two "Charity houses" in Vinh Long and provided facilities for students at the Ma Pi Leng school site through the "Sowing Seeds of Hope" journey.
Technological Breakthroughs: Designing a Modern Digital Ecosystem
The innovative spirit of Vietcombank Remittance Company is most evident in its strategic digital transformation. In April 2025, the company officially partnered with FPT to deploy the FPT.RCORE core technology system, marking a turning point in modernizing remittance operations.
Vietcombank Remittance and FPT IS collaborated to implement a new core technology system for remittances. Photo courtesy of Vietcombank Remittance
The scale of remittances to Vietnam continues to surge. In 2024, the volume reached approximately $16 billion, placing Vietnam among the top 10 remittance-receiving nations globally. The Vietcombank system alone recorded over $4 billion, accounting for more than 25% of the total market share. With forecasts indicating further growth in 2025, the pressure for speed, security, and compliance made legacy systems insufficient, turning innovation into a necessity.
FPT.RCORE is specialized for remittance, integrating the entire operational chain—from partner and customer management to multi-channel payouts including Account Transfers, e-wallets, Counter-pickups, and Home Delivery. Developed on a modern platform, the system enables near real-time transaction processing, automates various operational stages, and minimizes manual risks.
Furthermore, Vietcombank Remittance Company has proactively built an Anti-Money Laundering (AML) system, enhancing risk control and strictly adhering to international security standards such as FINCEN (USA), FINTRAC (Canada), AUSTRAC (Australia), and AMLD6 (Europe).
The system also includes an integrated mobile application to support payout teams and collaborators in remote areas, expanding service reach to ensure remittances reach those in need.
In this project, Vietcombank Remittance Company serves as the operational heart, while FPT provides the technological prowess. This synergy does not just create a new system; it lays the foundation for a flexible digital remittance ecosystem ready to scale with future market demands.
The award from International Finance Magazine is a well-deserved tribute to the relentless efforts of Vietcombank Remittance Company. Beyond pride, it serves as the fuel for continued research and improvement to bring the most optimal, secure, and convenient experience to customers and partners.
With over eight years of operation and a dedicated, experienced team, Vietcombank Remittance Company remains committed to providing fast, safe, and efficient services. As remittances continue to play a vital role in the national economy, the enterprise aspires not only to lead in technology but to remain the strongest link between the diaspora and the motherland - a place where every dollar sent carries the full weight of trust and love for Vietnam.
