NCB and Entrust: Powering Instant Card Issuance at Self-Service Kiosks in Vietnam
Read how NCB transformed customer experience by implementing Entrust’s Instant Financial Issuance Solution. Facing challenges with slow card delivery, manual branch processes, and growing demand for cashless payments, NCB introduced secure, self-service kiosks for instant card issuance—integrated with mobile eKYC for a seamless journey. Customers can apply, authenticate, and receive a personalized card in minutes, boosting activation rates and in-location spending. The result: faster onboarding, improved efficiency, and enhanced brand visibility at high-traffic destinations, positioning NCB as a leader in Vietnam’s digital banking evolution.
Introdução
National Citizen Commercial Joint Stock Bank (NCB) is one of Vietnam’s leading retail-focused banks, committed to delivering modern, customer-centric financial services. Since 2013, NCB has undergone a major digital transformation, expanding its portfolio to include deposits, savings, Visa credit cards, and digital banking solutions.
As part of this strategy, NCB sought to enhance convenience and speed for customers by introducing instant card issuance services at high-traffic locations such as Sun World entertainment complexes and select branches. These destinations attract millions of visitors annually, creating a unique opportunity to boost card adoption and usage.
To achieve this vision, NCB needed a secure, scalable solution that could integrate seamlessly with its digital onboarding process and deliver personalized cards in minutes.
Challenge
NCB faced several critical challenges as it worked to scale its retail banking operations and digital channels:
- Lengthy issuance times: Traditional card issuance took 5–7 days, limiting NCB’s ability to serve time-sensitive customers—especially tourists.
- Operational bottlenecks: Manual processes at branches slowed service and strained resources.
- Agility for campaigns: NCB needed flexible issuance capabilities to support dynamic product launches and marketing initiatives.
- Growing demand for cashless payments: Customers increasingly expected instant onboarding and immediate card activation.
Without a secure, integrated instant issuance solution, NCB risked losing competitive advantage and missing opportunities to engage high-spending segments.
Solução
To overcome these challenges, NCB implemented the Entrust Instant Financial Issuance (IFI) solution, integrated by MK Group into self-service kiosks deployed at branches and Sun World sites.
Entrust provided the secure issuance backbone, including Instant Financial Issuance Software, Sigma DS4K card printers, and Hardware Security Modules (HSMs) to protect sensitive data and help ensure compliance. MK Group handled system design, integration, and technical support across more than 20 kiosks, while a kiosk provider delivered hardware and user interface design.
Customer Journey Highlights:
- Apply & eKYC: Customers apply via NCB’s iziMobile app and complete digital identity verification.
- Authenticate at Kiosk: Scan a QR code to confirm issuance.
- Instant Pickup: A fully personalized card is printed within minutes—ready for immediate use.
This seamless process combines mobile convenience with physical card delivery, creating a frictionless, unified experience for customers.
Entrust’s certified instant issuance technology gave us the confidence to deliver a secure, fast, and customer-friendly solution. Together with MK Group, we’ve transformed card onboarding and positioned NCB as a leader in digital banking innovation.
Ms. Linh Vu Thuy
Head of Card Products & Solutions Dept. – Retail Banking Division
Resultados
Since deploying the Entrust Instant Financial Issuance solution, NCB has achieved measurable benefits including:
- Faster activation and usage: Instant issuance drives higher activation rates and in-location spending.
- Eficiência operacional: Reduced manual workloads and optimized branch resources.
- Extended brand visibility: Presence at Sun World and other high foot traffic locations positions NCB as a modern, digitally enabled bank.
- Customer delight: Apply and receive a card in minutes, with immediate access to promotions and cashless payments.
For the Sun World location, the partnership has boosted visitor engagement and spending, while enabling personalized offers through behavioral insights (with customer consent).
Olhando para o futuro
NCB’s instant issuance initiative marks a major milestone in its digital transformation roadmap. The bank plans to expand kiosk deployment, introduce new card products, and leverage more Entrust secure issuance technology to deliver even more innovative, customer-focused services.
With Entrust and MK Group as trusted partners, NCB is redefining retail banking in Vietnam—bringing speed, security, and convenience to every customer interaction.
Recursos relacionados
Entrust Instant Financial Issuance
Emissão instantânea de cartões de débito e crédito
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Os U.S. Financial Trends Study
Only 37% of Tier 1 and Tier 2 U.S. financial institutions offer both instant physical and digital issuance.
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