Mr. Pham Tan Loc

Director of Digital Banking Division
Vietnam Thuong tin Joint Stock Commercial Bank


Diversification of payment services based on digital solutions:
Safe – Fast - Convenience


Mr Pham Tan Loc is currently Director of Digital Banking Services
Division at Vietbank
Mr Loc has more than 20 years of experience working with multi
– international groups in FMCG, Medicine and Logistic. From
2010, he has worked at the top banks in Vietnam and hold important
positions such as: Director of Card Center, Director of Digital
Banking Center (HDBank, VIB, Lienvietpostbank, NCB). In 2019,
he was appointed as Director of Digital Banking Services Division
thanks to his great contribution in helping Vietbank implement its
card system and digital banking platform successfully in a short
period of time and gradually transforming from traditional banking
model into digital banking model as the strategy of Vietbank.
Also in 2019, Mr Loc was appointed as Deputy Director of Mass
Transit Transaction Implementation Project in Ho Chi Minh City
– a project aimed at deploying a pilot program using CHIP/EMV
contactless cards for bus ticket transactions


The presentation give us a summary of the trend and practice of
the payment services in the era of the technology revolution 4.0,
with the focus on the impact of digital technology on payment
methods. Moreover, the speaker will also share us practical examples
of how Vietbank is diversifying its payment services applying
digital technology.