Nearly 30 major banks and financial institutions in Vietnam have adopted robotic process automation. As AI rapidly evolves, autonomous AI-driven automation is emerging as the new industry standard.
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Top banks achieve high levels of automation, paving the way for AI-powered transformation
According to recent data from akaBot, a leading automation platform by FPT, more than 10,000 virtual robots have been deployed across nearly 30 banks and financial institutions in Vietnam between 2019 and 2024. The move signals a major push by the sector toward intelligent automation.
Mr. Duong Viet Tung, Chief Operating Officer of akaBot, FPT Corporation, shared:
“We’ve worked with over 50% of banks and financial companies in Vietnam on their digital transformation and process automation journeys. Many top-tier banks have now achieved a high level of automation, with most daily, high-volume operations being 100% handled by bots.”
Among the pioneers is BIDV, which has successfully implemented robotic process automation (RPA) across 11 key operations since 2019—including Digital Banking, Card Center, and Customer Service. TPBank, another early adopter, has automated over 200 processes across nine core departments.
Other commercial banks such as HDBank, EximBank, and Techcombank are also actively pursuing automation strategies, focusing on repetitive processes like transaction handling, credit approval, data reconciliation, and risk management.
The results have been significant. Automation has helped banks reduce processing times for transactions, card operations, and reconciliations by 80–95%, while minimizing human errors by up to 99%. Each year, these virtual robots save the equivalent of 12,000 working hours—comparable to the workload of 40–60 full-time employees.
Agentic AI Integration: A New Standard in Banking
By 2026, 70% of enterprises in Asia will adopt advanced AI to automate complex business processes, according to a 2024 Gartner forecast.
In banking, this trend is reflected in the shift from traditional RPA to Agentic Process Automation (APA)—an emerging solution that integrates AI, enabling systems to self-learn and make real-time decisions.
Unlike RPA, which executes tasks based on pre-programmed rules, autonomous AI empowers systems to adapt, learn from real-world data, and evolve over time. This marks a transformative leap for the banking industry, where intelligent systems can independently process transactions, assess risks, detect fraud, and offer financial advice without human intervention.
Research from Fintech Futures (2025) highlights strong investments in autonomous AI across global banks, aiming to build smarter, more self-reliant operations.
Leading financial institutions in Europe and the U.S.—including JPMorgan Chase, HSBC, and ING—have started adopting Agentic AI systems to optimize transactions and credit portfolio management. In Asia, over 60% of financial institutions are piloting autonomous AI in areas such as trading, customer service, and risk governance.
Vietnam is also witnessing rising interest in AI autonomy. Several banks are exploring advanced AI for credit scoring and loan approvals, though most are still in the early stages of the transformation journey.
AI Reshaping the Banking Workforce
The rise of agentic AI is expected to reshape the banking workforce. According to the World Economic Forum (2024), 20–30% of banking roles could be transformed or replaced by AI. Positions most at risk include document processing, junior auditing, basic risk analysis, and customer advisory roles.
In Vietnam, after initial automation rollouts, many banks are now entering a phase of organizational optimization—downsizing manual roles and investing in digital transformation strategies.
Q4 2024 financial reports from several commercial banks show workforce streamlining efforts. While overall headcount has increased year-over-year, some banks have reduced staff by dozens or even hundreds to boost efficiency.
Mr. Bui Dinh Giap, Operation Director of New Business Sector at FPT IS, FPT Corporation remarked:
“Autonomous AI is not just changing how banks operate—it’s redefining the role of humans in banking. Employees will need to shift to more strategic roles where AI becomes a powerful tool to redesign and enhance automated processes.”
Preparing for a New Automation Era
To successfully adopt AI-powered autonomous automation, Mr. Giap recommends banks focus on three core areas: upgrading digital infrastructure, fully digitizing core banking systems, training teams to manage AI assistants, and selecting AI-integrated platforms with high adaptability.
Aligned with this direction, akaBot by FPT has begun developing intelligent automation solutions powered by AI. The new platform allows banks to achieve higher levels of autonomous automation while still supporting traditional RPA systems—ensuring a flexible transition path based on each institution’s readiness.
Agentic Automation is no longer just a trend—it is fast becoming the new digital transformation standard in banking.
With strong backing from both financial institutions and technology firms, Vietnam is poised to harness the full potential of autonomous AI and enhance its global competitiveness.
Source: Tap chi Tai chinh
akaBot (FPT Corporation) is a pioneering Automation Ecosystem, leveraging APA (Agentic Automation), AI, IDP, Machine Learning, Process Mining, etc. to enhance RPA. With its global presence in 21 countries, serving 4,000+ customers (updated by end of 2024), akaBot has been recognized as 2024 Gartner® Peer Insights™ Voice of the Customer for Robotics Process Automation, Major Contender by Everest (RPA) Products PEAK Matrix® Assessment, Leader RPA Platform in Asia by G2 (2023), Top 20 RPA Platform by Gartner Peer Insights (2022), etc.
As a cost-effective, one-stop shop solution with industry-specific expertise & 24/7 support, akaBot is an enterprise’s reliable digital transformation partner not only to get quick win but also ensure long-term success. Explore more: https://akabot.com/
