Our client is one of Vietnam’s major joint-stock commercial banks with a massive nationwide presence. By the end of 2024, they recorded rapid growth with total assets reaching approximately VND 508,330 billion. As their customer base, credit portfolio, and transaction volumes expanded massively, managing data became a giant task for their internal teams.
Pressure increased when the State Bank of Vietnam required banks to send detailed credit reports to the CIC by January 1, 2025. Our client had to overhaul their data processes to meet this strict new law.
Realizing they needed a strong technology partner who could handle complex data engineering and understand deep banking workflows, our client reached out to us. Together, we kicked off a major project to build a smart, reliable, and fully automated regulatory reporting system from scratch.
The challenges
When we first stepped in, we quickly discovered that their existing reporting process was facing several painful bottlenecks:
Data was scattered everywhere: The data fields needed for the government reports did not live in one neat place. Instead, they were trapped across multiple separate internal applications, including Core Banking, separate loan systems, and accounting software.
Too much manual effort and operational risk: Before we upgraded the system, bank employees had to pull raw data by hand, copy everything into giant Excel files, and check compliance rules manually. This manual labor created a high risk of typing wrong numbers, duplicating data, or missing critical fields. It was also impossible to trace where a number originally came from.
Very strict demands and tight deadlines: The government demands perfect data quality – everything must be accurate, complete, and submitted on time. We had a very tight timeline to build, test, and safely deploy the whole platform before the law took effect.
How we solved the problems
We assembled a 20-person team of developers, analysts, designers, and QA engineers to tackle these challenges.
The project was divided into smaller parts using a .NET microservices architecture, making each service independent but seamlessly connected.
Here’s the technical solutions we implemented:
- Kafka Data Highways: We deployed Apache Kafka to handle the massive flow of data from Core Banking. Kafka acts like a multi-lane highway, letting millions of data points travel safely and quickly without causing system slowdowns.
- Redis High-Speed Memory: To ensure bank officers do not have to wait for hours to view or export documents, we integrated Redis to make report previews almost instant.
- Kubernetes (K8s) Safety Net: The entire application is hosted on Kubernetes. K8s monitors the software 24/7 and automatically handles sudden spikes in data during peak deadlines so the system never crashes.
To automate the data journey, we designed smart pipelines to Extract, Transform, and Load (ETL) data. The system now automatically fetches raw records, cleans them, and “translates” them into official government formats.
We also built automated validation rules. If a loan is missing a customer ID, the system instantly catches it before final submission.
Finally, we tailored a secure “Maker-Checker” approval workflow directly into the app.
The outcome
Our close collaboration brought incredible results. By automating the entire data journey, we transformed a stressful manual chore into a seamless, high-speed digital operation.
| Before our project | After our solution |
|---|---|
| Data scattered across multiple internal bank applications | Centralized processing: all internal systems are now connected automatially |
| Manual Excel copying with high risk of typing errors | Automated validation: our system catches missing or wrong fields instantly |
| Slow, exhausting department reviews via emails | Role-based workflows: clear approval steps (maker-checker) right inside the app |
| Before our project | After our solution |
| High risk of missing strict regularoty deadlines | 100% on-time compliance: ready for circular 15 well before jan 1, 2025 |
Today, our client enjoys complete peace of mind. Every report has a clear audit trail, allowing managers to trace any number back to its source system in seconds. This saved thousands of hours for the bank’s staff, allowing them to focus on serving customers rather than fighting with spreadsheets.
Our road ahead
The platform we built is a strong, permanent foundation for the future. Moving forward, we plan to help our client expand this platform to cover other complex government reports, build a centralized compliance data warehouse, and apply smart analytics to catch data errors before they happen.
If you got scattered data and complex workflows, we’re ready to help.
