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TABLE OF CONTENT
Summary
The Challenges
The Solutions
The Impact
Summary
TPBank is recognized for its progressive approach to digital transformation, stringent security posture, and tailored customer experience. To expand its enterprise banking capabilities, TPBank embarked on a mission to develop a next-generation mobile application specifically for corporate clients.
For this critical initiative, TPBank engaged AHT Tech, a leading global technology consulting and software development company. With deep expertise in the BFSI (Banking, Financial Services, and Insurance) sector and proven success in complex system architecture, AHT Tech was entrusted with the full-cycle app development process - from business analysis to deployment.
The goal: deliver a high-performance, fully secure, and scalable enterprise application, grounded in precision and backed by modern technologies such as Java, Oracle, and Microservices.
Industry
Banking
Expertise
Java, Oracle, Microservices
Company Size
10600
Location
Vietnam
The Challenges
TPBank set out with clear ambitions but faced a series of intricate challenges typical in enterprise financial systems:
- Complex financial ecosystems: Corporate clients required advanced tools to oversee multiple accounts, optimize cash flows, and centralize fund visibility.
- High-stakes transactional demands: The application needed to support a full range of transaction types, including domestic transfers, cross-border payments, bulk disbursements, and scheduled payroll, all under strict security scrutiny.
- Tailored approval governance: Each enterprise brought a unique organizational structure. The solution had to accommodate customizable approval chains and permissions, reflecting internal compliance policies.
- Real-time processing, zero downtime: The infrastructure had to support heavy concurrent usage, instant transaction processing, and always-on availability, while maintaining consistent speed and data integrity.
The Solutions
AHT Tech assembled an elite onsite team composed of a Project Manager, Business Analyst, Developers, and Testers. Working closely with TPBank over a 12-month development cycle, the team delivered a bespoke mobile application built on Java and Oracle, powered by a Microservices-based architecture.
Core solution components included:
- Enterprise account and cash flow console: Designed for intuitive navigation, the account module presented real-time balance views, transaction breakdowns, and cash flow analytics, supporting better financial decision-making.
- Multi-tier transaction engine: AHT Tech developed an advanced engine for managing high-frequency transfers and batch payments. Support for both domestic and international payments was incorporated, including intelligent scheduling for salary disbursement.
- Customizable approval and role hierarchies: A flexible approval framework allowed organizations to configure their own access levels, transaction rules, and signatory pathways, aligning the app with their internal control models.
- Resilient microservices architecture: Built for modular deployment and operational independence, the architecture enhanced reliability, supported continuous updates, and prevented system-wide disruptions.
- Enterprise-grade security stack: AHT Tech implemented rigorous encryption protocols, audit logging, session controls, and secure APIs to mitigate threats and maintain compliance with industry standards.
The Impact
TPBank experienced a dramatic leap in digital engagement and operational excellence post-deployment:
- 40% growth in corporate client acquisition: The streamlined functionality and robust capabilities of the app attracted a broader segment of enterprise clients.
- High-speed, consistent transaction experience: Transactions executed seamlessly under high load conditions, meeting the expectations of large-scale financial operations.
- Comprehensive digital shift in corporate banking: TPBank transitioned its enterprise services into a unified digital environment, reinforcing its leadership in tech-driven banking.
- Improved financial visibility for enterprises: Real-time data access empowered businesses with sharper insights and agile cash management.
- Reduced operational friction: Automated processes and intuitive workflows shortened turnaround times and minimized manual intervention.
- Increased control and governance: Fine-grained role configurations elevated internal oversight and transaction security.
- Modular platform for future innovation: The application’s scalable framework provided a solid foundation for ongoing digital service expansion.
- Stronger market positioning for TPBank: The initiative boosted TPBank’s reputation as a digitally mature bank capable of serving sophisticated corporate needs.