In today’s competitive digital banking landscape, what unique strengths does Timo own that attract the interest of Vietnamese customers?

Timo’s strengths lie in our customer-first approach, seamlessly blending technology and financial services to address the evolving needs of Vietnam’s growing digital economy. A few highlights of our offerings include:

Our user experience is simple yet powerful, with an intuitive app design that makes managing money effortless for users. We emphasize trust and transparency, with clear communication and no hidden fees, which has helped build genuine trust. In fact, 2025 will mark our 10th anniversary, reflecting the strength of these values.

We believe in the power of community, getting better together, that is the reason why many of our innovations focus on social use cases, such as managing money within families, amongst friends, or across other groups.

At Timo, we aim to go beyond banking. We connect with our customers through various initiatives that inspire them and add value to their everyday lives.

Over the past year, apart from digital banking services, Timo has gained significant attention from the youth through inspirational campaigns. What inspired this strategic focus, and how does it contribute to Timo’s growth?

Vietnam is a young, dynamic country, and we wanted to engage deeply with this demographic by understanding their language and addressing their aspirations.

One of the key ways we do this is by meeting customers where they are. We recognize that modern customers don't want to adapt to rigid financial systems, so we bring Timo to their world - whether it’s through lifestyle collaborations, partnerships with creators, or integrating into the platforms they already love.

Our philosophy of richer living is embodied in campaigns like Tomi-ism, Tram Song Hanh, and Vietnam That Dep which reflect Timo’s belief in empowering users to confidently live richer lives, extending beyond purely financial matters but also incorporating health, relationships and lifestyle.

By connecting with customers on both cultural and lifestyle levels, we create emotional resonance that strengthens brand loyalty. Moreover, our efforts to build a community through partnerships with creators and celebrating the beauty of Vietnam help position Timo as more than just another bank.

All of this ultimately is to help people understand more about Timo’s culture and values which directly reflects in significantly lower customer acquisition cost, higher active rates and significant trust making this “soft” approach produce very “hard” value.

What are Timo’s key priorities and upcoming plans to enhance the banking services and other activities?

At Timo, everything we do starts and ends with one goal: helping our customers confidently live a richer life. We aim to be a partner that empowers our users not just financially, but holistically, through meaningful support and services.

Our key priorities include:

We are committed to expanding our financial products and partnerships by designing solutions that truly resonate with the diverse needs of our customers, such as lending products, investment opportunities, and insurance, all tailored to help our users achieve their personal goals.

When it comes to AI, we view it neither feasible nor desirable as a blanket replacement for humans, but as Augmented Intelligence. AI is a quickly evolving technology that we must learn to best leverage to enhance productivity, creativity, and personalization, empowering our employees to keep improving customer service levels.

Lifestyle integration is also a key focus for us, as we work to strengthen relevant partnerships that seamlessly integrate with our customers' lives. This ensures that Timo continues to create value, offering an experience that makes it "better as a Timo customer."

Finally, we prioritize financial education, equipping our users with the confidence and knowledge they need to navigate their financial journeys through simple tools and guidance.

Ultimately, our mission remains to ensure every Timo customer feels empowered to make choices that lead to a fuller, richer life.

Thank you very much!