Smart Digital Bank Suite

Hyperlogy is a Vietnamese technology company founded in 2003 that builds software for banks and large enterprises. It helps Vietnamese banks digitise branch transactions, relationship management and lending, and modernise high-volume payment infrastructure.

The Smart Digital Bank suite combines Smart Form for dynamic e-forms, auto-filled screens and electronic approval, Smart Booking for online appointment and QR check-in, Smart eKYC based on biometrics and deep learning, Smart RM for relationship managers, Smart LOS for loan origination, Smart ID counter devices reading QR, cards, NFC and biometrics, and e-Banking. Modules integrate with core banking, core card, CRM and SMS banking. Hyperlogy also migrated the NAPAS instant payment system to the TiDB distributed database.

• Smart Form: Auto-fills transaction screens, generates contracts and handles electronic approval.
• Smart Booking: Lets customers book branch services online and check in by QR code.
• Smart eKYC: Identifies and authenticates customers with biometrics and deep learning.
• Smart RM: Supports relationship managers with customer 360 profiles from CRM.
• Smart LOS: Automates loan application processing and document handling.
• Smart ID: Reads QR, cards, NFC and biometrics at the counter and pushes data to forms.

A joint-stock bank could replace paper forms at its branches with Smart Form and QR booking. A bank's SME lending unit could speed loan processing with Smart RM and LOS. A payment switch or bank could scale its transaction database for instant payments.

Smart Form cut average counter transaction time from 35 to 5 minutes and is cited with a 15-fold rise in labour productivity. At ABBANK it supported over 368,000 new customers and about VND 300 billion in annual operating cost savings. BAOVIET Bank reports 15-30% lower costs and up to 40% higher efficiency with Smart RM and LOS.

Vietnamese banks are digitising branch and lending operations while instant payment volumes keep growing, which puts pressure on both front-office efficiency and back-end transaction capacity. Domestic vendors with local regulatory knowledge and references at major banks are well placed for these projects.

Founded in 2003 in Vietnam, with more than 20 years in financial and banking IT. Clients include BIDV, MB, ABBANK, SHB, MSB, HDBank, BAOVIET Bank, NAPAS and Toss. ISO 27001 certified. Smart eKYC was a top 10 product at the Make in Vietnam Digital Product Awards 2021, and Smart RM for BAOVIET Bank won a Sao Khue Award 2023. Partners include PingCAP.