VietnamFinance and insurance2026 – ongoingVietnam Maritime Commercial Joint Stock Bank (MSB)
AI and rules-based decisioning platform for loan approvals
MSB cut loan turnaround from 30 minutes to 15 minutes with an AI and rules decisioning platform
Problem
MSB served more than 8 million retail customers and nearly 100,000 business clients. Credit approvals needed manual work, which brought errors and slowed the launch of digital lending products.
Approach
The bank adopted FICO's decisioning capabilities, which combine AI and machine learning models with rule-based decisioning. Technology partner Blitz carried out the implementation over 10 months. The platform applies the same policy rules across channels and products, so each loan assessment follows the same logic and risk appetite.
Results
Takeaway
MSB put one set of credit policy logic behind every channel and product. The bank did not say how it measured turnaround or what share of loans the platform covers.
Categories
- Industry
- Finance and insurance
- Business function
- Finance, risk and legalProduction and quality
- Innovation type
- Process innovation
- AI technology
- Predictive analytics and ML
- Adoption
- Vendor solution
- Evidence
- Company's own claim
Sources
Source summaries
The article reports that MSB used FICO decisioning software, built with partner Blitz over 10 months, to automate and standardise credit approvals. It gives loan turnaround of 15 minutes, down from 30. It also describes the bank's size and the mix of AI and machine learning models with rules.
Full details are in the original sources.
