Founded in 1996, Orient Commercial Joint Stock Bank (OCB) currently operates over 200 business units across various regions and major economic centers nationwide. Recognized as a leading bank in Vietnam for operational efficiency with sustainable growth potential, OCB has gradually risen to the top of the private banking sector in Vietnam based on three criteria: growth rate, security, and efficiency.<\/p>\n
In 2023, OCB ranked No. 1 among joint-stock commercial banks for the highest profit growth and No. 3 in terms of return on equity efficiency.<\/p>\n<\/div>
![](\"https:\/\/smartosc.co.id\/wp-content\/uploads\/2025\/01\/Get-to-Know-OCB.webp\" "\\"Get")
<\/span><\/div><\/div><\/div><\/div><\/div>CHALLENGES<\/h5><\/div>We Help Companies Design the Right Solutions<\/span><\/strong><\/h3><\/div><\/div><\/div>Implementing a New Omnichannel Strategy<\/strong><\/h4><\/div>To excel in the competitive fintech landscape, OCB aims to develop a personalized digital banking ecosystem for every customer across all interaction points. This initiative involves digitizing every customer interaction to provide seamless services through mobile applications and computer platforms. Key priorities include rapid deployment within six months, full control over customization, and strong local support for implementation and future enhancements.<\/p>\n<\/div>
Accelerating Customer Growth<\/strong><\/h4><\/div>OCB\u2019s goal is to double the number of users in the first year after the platform launch and reach 10 million monthly users by the fifth year. This project focuses on three main pillars: ensuring products go live within six months, providing complete control over construction, ownership, and customization tailored to the bank\u2019s unique needs, and offering local support resources for implementation and future project requirements.<\/p>\n<\/div>
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<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>SOLUTIONS<\/h5><\/div>Our Key to Success<\/span><\/strong><\/h3><\/div><\/div><\/div>Innovative Omnichannel Digital Banking Solutions<\/strong><\/h4><\/div>SmartOSC realizes OCB\u2019s vision by implementing Backbase\u2019s Engagement Banking Platform (EBP), aligning with modern banking ethos and a customer-centric focus. The resulting digital bank, OCB OMNI 4.0, offers a range of financial products and utilities within a simple yet modern and personalized customer experience, ensuring fast, secure, and convenient transactions available 24\/7. This application provides modern and practical digital banking services, including account opening and management, money transfers, bill payments, card services, deposits, loans, and a variety of other standout features.<\/p>\n<\/div>
Rapid Launch for Localization<\/strong><\/h4><\/div>Time is a significant challenge as OCB set implementation requirements within six months; however, they successfully launched OCB OMNI 4.0 on schedule. The interactive Backbase banking platform also enables OCB to surpass many banks in the industry in fulfilling their commitment to prioritize customer needs and digital transformation.
\nThis success is reinforced by accelerating the deployment of products, services, and features through the Backbase interactive banking platform tailored to the characteristics of the Vietnamese market.<\/p>\n<\/div>