Self-generating money - new trend in digital experience in banking industry

With the "Automatic Profit" product, Techcombank not only creates a new trend but also promotes change in the entire banking industry.

From zero transaction fees to 'money that makes money' - a journey to change financial habits

Looking back at 2016, Techcombank created an "earthquake" with the "Zero fee" program - free for all online transactions. After only a few years, almost the entire banking system in Vietnam has applied a similar policy.

Entering 2024, Techcombank continues to take the lead with the "Automatic Profit" product - a further step in optimizing personal finances. According to data from this bank, as of March 2025, nearly VND 90,000 billion in the accounts of more than 3 million customers, from salaried employees, business households, business owners, to investors, have had their yields optimized when activating Techcombank "Automatic Profit".

Techcombank's success lies not only in its pioneering products, but also in its ability to change customers' financial behavior. Techcombank is gradually creating a new standard in the banking industry in Vietnam.

Techcombank's leaders shared: Contributing to the goal of achieving 80% of cashless transactions in our country by 2030 (according to Resolution 57-NQ/TW dated December 22, 2024 on breakthroughs in science, technology, innovation and national digital transformation), and implementing Directive No. 01 of the State Bank of Vietnam on key tasks of the banking industry in 2025, including the requirement to complete the objectives of the Project on developing non-cash payments (TTKDTM) in Vietnam for the period 2021-2025 and the Digital Transformation Plan of the banking industry, Techcombank is determined to promote the application of digital transformation, including Auto-Earning on the Techcombank Mobile digital banking application.

Fintech Investment - The Key to Success

The special feature of "Automatic Profit" is its flexibility. With just 1 click, customers no longer have to worry about choosing what to optimize the yield for their idle money. Everything is automatically set up so that the account always reaches the highest yield, up to 4%/year.

Not only allowing customers to use a portion of their account balance during certain time frames, the newly launched "Automatic Profit" version 2.0 of Techcombank also helps customers flexibly use the entire account balance for all transactions such as payment, transfer or withdrawal 24/7 anytime, anywhere.

According to Mr. Nguyen Anh Tuan, Director of Retail Banking (Techcombank), "Automatic Profit" is not only a tool to optimize idle cash flow yield, this product also changes the way customers manage their finances. When the balance in the account is automatically optimized for yield, customers tend to keep money in the account longer instead of withdrawing it for consumption.

"Products like this will help customers form smart financial habits. Keeping money in an account not only helps generate profits but also contributes to the stability of the financial system," said Mr. Nguyen Anh Tuan.

In fact, the concept of "self-generating money" is no longer strange in the world. Banks in Singapore, Korea and China have deployed many flexible financial products, helping customers optimize cash flow while maintaining liquidity. In Vietnam, Techcombank pioneered the "Automatic Profit" product, attracting 3 million users after just over a year of launch.

Following Techcombank, banks such as VIB, VPBank, and LPBank have also launched similar products. This shows a major change in the Vietnamese financial industry - where customer experience and digital technology are gradually becoming decisive factors.

"As the pioneer bank bringing this product to the market, we believe that the utilities and values ​​brought to customers are always outstanding. We are committed to continuously launching many improved versions so that customers receive many benefits: Turning on Techcombank's 'Automatic Profit' is convenient and flexible, using 'Automatic Profit' is a benefit that is constantly increasing, the benefits when using financial services as well as the benefits and experiences in customers' lives", Mr. Nguyen Anh Tuan shared.

Mr. Minh

Source: https://baochinhphu.vn/tien-tu-sinh-loi-xu-the-moi-trong-trai-nghiem-so-nganh-ngan-hang-102250402113443472.htm