Apple just announced App Store Awards 2021, with the MBBank app the only banking application in Vietnam among the Top Apps of 2021 on iOS.
While the presence of international brands like Facebook, YouTube, TikTok, and Gmail does not come as a surprise, the Made in Vietnam MBBank app has piqued people’s interest. What is so intriguing about this app?
MB is the first Vietnamese bank to provide consumers several account numbers – akin to a wallet with many compartments – via the MBBank app. App users may quickly create a personalized account number, a phone number account, a date of birth account, or a quartet account, based on their preference.
Notably, the MBBank app is the only financial application to appear in Vietnam’s Top Apps of 2021 on iOS.
Customers may now make transfers with their unique account numbers, which are easy to remember and convenient, rather than memorizing a long series of digits (like the old 13-number accounts). This successful approach has helped reduce consumer uncertainty while transferring money.
Getting a 2-in-1 deal via VietQR code
MB quickly added a quick payment mechanism using the VietQR code into the MBBank application. Payment transactions are completed in a fraction of a second using the VietQR code, eliminating the need to input payee data like account numbers, account names, beneficiary banks, etc., as with traditional money transfers. Users may also customize their mascot and color during VietQR payments.
Handy for business owners, shippers, and customers
The QR payment feature can be especially useful for small- and medium-sized enterprise owners, delivery shippers, and consumers. Customers or shippers just need to scan the QR code to immediately process the transfer order. Sellers will also receive the funds quickly and without incurring any further fees. MB has increased the QR code payment limit to VND500 million ($21,740), making this service extremely convenient for both buyers and sellers.
With a digital mindset in its DNA, MB has recently enhanced the capability of this cashless payment method, allowing business owners to actively settle with VietQR in addition to providing a smooth payment experience. Specifically, business owners may use the MBBank app to generate a transaction QR code with the due amount of the goods, product content, and beneficiary account, making inventory and settlement easier. Furthermore, the MBBank app also incorporates personal computers, permitting customers to easily calculate while shopping.
‘Fear of losing money? MB will compensate’
Customers were drawn to the slogan ‘Fear of losing money? MB will compensate’ that appeared recently on the MBBank app.
Particularly, MB is the first bank in Vietnam to provide clients up to VND100 million in compensation in case they fall victim to fraud while making online payments with an MB account or international payment card. Those who spend more than VND10 million on debit and foreign credit cards between Nov. 4, 2021 and Nov. 4, 2022 will be alerted to activate this special protection mode for a one-year period.
MB is the first and only bank offering compensation to customers in case of fraudulent online payments.
Understanding user psychology and pioneering exceptional financial product experiences, particularly on digital platforms, is the path MB defined to lead digitalization.
MB continues to assert its superior quality and advanced technology as the sole banking app on the list of Top Apps of 2021 on the iOS operating system in Vietnam, thereby contributing to a cashless society.
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