Recently, the UK-based International Finance Magazine (IFM) officially honored Vietcombank Remittance Company as the “Most Innovative Digital Remittance Company Vietnam 2025.”

The award is more than just recognition of Vietcombank Remittance’s technological achievements - it marks a milestone in a philosophy that has guided its development from the beginning.

At its heart, every remittance transaction is seen not merely as a cross-border cash flow, but as a vessel of trust and a bridge of kinship connecting overseas Vietnamese with their homeland.

Customer-centricity built on a foundation of trust

For Vietcombank Remittance Company, remittance has never been just about the numbers. Behind every transaction lies the hard work, homesickness, and aspirations of millions of overseas Vietnamese.

With that deep understanding, the company has chosen a path of sustainable development rooted in a “customer-centric” philosophy. The peace of mind of every Vietnamese family serves as the guiding principle for all operations-prioritizing understanding and empathy over mere product creation.

Amidst the rapid and unpredictable fluctuations of the global financial market, the company refuses to chase short-term gains. Instead, it remains steadfast in investing in service quality, customer experience, and elements that foster long-term brand loyalty. Its 24/7 professional customer support system ensures clients are accompanied across all time zones and circumstances.

Vietcombank Remittance Company also plays a pioneering role by collaborating with authorities to draft effective policies for attracting remittances. Notably, the company made strategic contributions to the Ho Chi Minh City People's Committee’s project on “Effectively Leveraging Remittance Resources,” with a vision toward 2030 to optimize foreign currency capital and drive sustainable socio-economic growth.

This spirit extends to its community-oriented initiatives. Understanding the heartache of overseas workers when natural disasters strike home, Vietcombank Remittance Company is launching fee-waiver programs for transactions sent to flood-affected areas-particularly in Central Vietnam-to help citizens stabilize and rebuild their lives.

In every endeavor, the company strives to be professionally strong yet socially responsible. In 2025, it supported the construction of two charity houses in Vinh Long and provided facilities for students at the Ma Pi Leng school site through its “Sowing Seeds of Hope” journey.

Technological breakthroughs: Designing a modern digital ecosystem

The innovative spirit of Vietcombank Remittance Company is most evident in its strategic digital transformation.

In April 2025, the company officially partnered with FPT to deploy the FPT.RCORE core technology system, marking a turning point in modernizing remittance operations.

The scale of remittances to Vietnam continues to surge. In 2024, the total reached approximately $16 billion, placing Vietnam among the top 10 remittance-receiving nations globally. The Vietcombank system alone recorded over $4 billion-more than 25% of the total market share.

With forecasts indicating further growth in 2025, the demand for speed, security, and compliance made legacy systems insufficient, turning innovation into a necessity.

FPT.RCORE is a specialized remittance system that integrates the entire operational chain-from partner and customer management to multi-channel payouts including account transfers, e-wallets, counter pickups, and home delivery. Built on a modern platform, the system enables near real-time transaction processing, automates various operational stages, and minimizes manual risks.

Furthermore, Vietcombank Remittance Company has proactively developed an Anti-Money Laundering (AML) system, enhancing risk control and strictly adhering to international security standards such as FINCEN (USA), FINTRAC (Canada), AUSTRAC (Australia), and AMLD6 (Europe).

The system also includes an integrated mobile application to support payout teams and collaborators in remote areas, expanding service reach to ensure remittances reach those in need.

In this project, Vietcombank Remittance Company serves as the operational heart, while FPT provides technological expertise. This synergy not only creates a new system but also lays the foundation for a flexible digital remittance ecosystem ready to scale with future market demands.

The award from International Finance Magazine is a well-deserved tribute to the relentless efforts of Vietcombank Remittance Company. Beyond pride, it fuels continued research and improvement to deliver the most optimal, secure, and convenient experience to customers and partners.

With more than eight years of operation and a dedicated, experienced team, Vietcombank Remittance Company remains committed to providing fast, safe, and efficient services.

As remittances continue to play a vital role in the national economy, the company aspires not only to lead in technology but to remain the strongest link between the diaspora and the motherland-a place where every dollar sent carries the full weight of trust and love for Vietnam.

PV