NCB CONSISTENTLY IMPROVES RETAIL CUSTOMER EXPERIENCES

The National Citizen Commercial Joint Stock Bank (NCB) consistently launches new products and services in order to enhance customer experience, catering to a variety of user requirements through appealing promotional programs.

Upgrade NCB iziMobile into a safe yet convenient "pocket-sized digital banking" app

The NCB iziMobile digital banking app for customers has been the subject of innovation and enhancement over the past year. This has resulted in the release of a new version that features a more refined design, a more seamless user experience, and transaction times that are reduced to meet all customer requirements. Key financial transactions, including free money transfers, automatic bill payments, withdrawals without a physical card, flexibly depositing and withdrawing principal, and more, will be completed in a matter of minutes or even seconds by customers.

In addition, NCB iziMobile extends gratitude to its customers through a range of promotional initiatives, including refunds for phone top-ups and bill payments; an instant 10% discount on invoice value for QR code payments; and interest credits for savings deposits through digital banks, among others.

NCB iziMobile continuously maintains a high growth rate and is adored by a large number of users due to its user-friendly interface, scientific organization, superior features, intuitive design, and practical incentives. The Global Banking & Finance Review, an annual and prestigious award in the field of finance-banking, recognized this digital banking application as the "Most Innovative Retail Banking App Vietnam 2023."

The NCB iziMobile app is popular among users due to its user-friendly, contemporary interface, advanced functionality, and appealing reward schemes.

Open a virtual card in just one minute

Additionally, NCB introduced virtual card products (virtual debit card and virtual credit card) last year. As a result, users are granted the ability to activate newly opened virtual debit and credit cards via the NCB iziMobile digital banking application's online channel within a single minute. Upon successful card activation, users are immediately able to engage in online purchasing.

The functionality of virtual card products is identical to that of a conventional physical card. As a result, cardholders are able to expedite online payments, effectively oversee their expenditures, and save money through the card's assortment of enticing incentive programs. Furthermore, customers can securely and conveniently withdraw funds from thousands of ATMs across the nation using the VietQRCash code and the Virtual Debit Card alone.

NCB specifically exempts issuance fees and lifetime annual fees for virtual cards, thereby assisting customers in minimizing financial service costs to the greatest extent possible. Additionally, the NCB iziMobile app will store all card information, protecting users from potential dangers such as misplacing, missing, or disclosing such data.

Realizing the goal of owning a townhouse with customers

NCB not only caters to the varied daily requirements of its customers but also advocates for the advancement of adaptable loan products in an effort to assist customers in reaching their most ambitious objectives. An illustrative instance is the real estate loan arrangement for a townhouse.

With this loan package, NCB enables borrowers to alleviate cash flow constraints by requiring them to repay a mere 25% of the principal over the initial 10 years, at an annual interest rate of 6.8%. Additionally, the maximum loan approval time is reduced to 16 hours, and an initial grace period of up to 24 months is permitted.

With practical financial solutions, NCB has been accompanying customers on every life journey.

Furthermore, NCB implements favourable policies, including maximum loan amounts of 75% of the value of the real estate and maximum loan terms of 30 years. These policies permit the utilisation of acquired assets as collateral, which aids customers in alleviating financial strain and proactively devising future strategies.

As a result, despite its inception in early December 2023, the Townhouse Real Estate Loan Package has facilitated the prompt disbursement and access of funds for numerous NCB customers who require credit to purchase, construct, or restore real estate.

This contributes to NCB's comprehensive innovation initiative, which aims to meet market and user demands and trends. The bank commits to introducing progressively superior products and services to the market in the near future, thereby increasing the value it provides to both customers and the community.