The delegation also included Mr. Pham Anh Tuan - Director of the Payment Department, State Bank of Vietnam, leaders of VNBA Standing Offices, representatives of several commercial banks, Fintech companies, credit information companies that are VNBA members such as MB Bank, VNPAY, Payoo, KCI...
Mr. Pham Anh Tuan - Director of the Payment Department, State Bank of Vietnam (middle) and Dr. Nguyen Quoc Hung, Vice Chairman cum General Secretary of VNBA (right)
September 15: Strategic dialogue with Austrade and the Victorian Government
Right in the capital city of Melbourne, the delegation had a working session with the Australian Trade & Investment Commission (Austrade) and the Victorian Government Trade Promotion Agency (Global Victoria).
Austrade - with a network of more than 100 offices worldwide - is an Australian government agency specializing in trade promotion, investment attraction, international education promotion and tourism development. Austrade provides market data, connects businesses and promotes sustainable trade strategies, including in the field of financial technology.
Global Victoria has an international network of over 20 offices in key export markets, connecting Victorian businesses with the right opportunities and partners who, in just one conversation, can help them expand their vision and realize their global ambitions. Global Victoria pursues strategic partnerships to maximize the trade objectives of the State of Victoria and the broader economic, social and sustainable development goals of the Australian Government. Global Victoria – inspiring global possibilities!
The meeting focused on implementing the Memorandum of Understanding (MoU) signed in June 2025 between VNBA and Austrade, aiming to open up cooperation opportunities in the field of Fintech and digital innovation between the two sides.
In his opening remarks, Dr. Nguyen Quoc Hung emphasized: “This is an important opportunity for the banking and fintech industries of the two countries to learn from each other, especially in the fields of digital payments, cybersecurity and sustainable development.”
Ms. Laura Burke, Senior Director of Southeast Asia and China of Global Victoria, on behalf of the delegation, affirmed: Vietnam is one of the potential partners of Victoria in expanding the Fintech market and financial services.
Ms. Laura Burke, Senior Director of Southeast Asia and China of Global Victoria
Explore the “technology heart” of Cremorne and Swinburne University
In the afternoon of the same day, the delegation visited Cremorne Digital Hub - an innovation center considered the “technology heart” of Victoria. With an investment of more than 10 million AUD from the government, Cremorne has become an incubator for startups, technology businesses and academia, promoting projects on innovation and commercialization of technology products.
Associate Professor Dimitrios Salampasis, gave an overview of the Australian Fintech ecosystem
Next, the delegation worked at Swinburne University of Technology - a prestigious public university in Melbourne. Swinburne stands out with its training and research programs on Fintech, blockchain, cyber security and has extremely innovative application and practice laboratories.
Swinburne experts, such as Associate Professor Dimitrios Salampasis, gave an overview of the Australian Fintech ecosystem, including Fintech Australia, Digital Economy Council of Australia and Australian Payments Network.
Here, the delegation also visited:
• Bloomberg Trading Lab, a simulation of a real financial floor, where students directly use the Bloomberg Terminal system.
• Financial Crime Lab, launched in March 2025, in cooperation with KordaMentha, to research anti-fraud, money laundering, and cybercrime.
These models are considered typical in combining training with practical technology - something that many Vietnamese educational institutions and banks can learn from.
September 16: Working with SymphonyAI and National Australia Bank (NAB)
On the second day of the trip, the delegation had a working session with SymphonyAI - the world's leading AI group, with more than 2,000 global customers and presence in more than 25 countries.
SymphonyAI introduced the Sensa Risk Intelligence platform, helping banks move from "reactive" risk management to proactive forecasting. The special feature is the core technology EurekaAI, combining predictive AI, generative AI and more than 30 patents. These solutions are expected to support Vietnamese banks in fighting fraud, complying with regulations and improving risk management capacity.
NAB experts at the seminar
In the afternoon of the same day, the delegation worked with National Australia Bank (NAB), one of the “Big Four” largest banks in Australia (including Commonwealth Bank - CBA, Westpac, National Australia Bank - NAB and Australia and New Zealand Banking Group - ANZ), serving more than 8.5 million customers and having more than 32,000 employees. NAB is famous for its advanced credit risk management model.
NAB experts shared their experience in developing credit scoring models over 30 years, from the first generation to the present, applying machine learning (ML), real-time data and cloud computing platform. In particular, NAB introduced the concept of “Customer Brain”, using AI to analyze behavior and improve the efficiency of managing a credit portfolio of nearly 1 trillion AUD.
Dr. Nguyen Quoc Hung highly appreciated these experiences and suggested that the two sides coordinate to organize online seminars so that VNBA members can have more in-depth access.
September 17: Discussion on Green Finance and ESG
On the third working day, the VNBA delegation participated in a discussion with PKF Melbourne and ETLABS, focusing on green finance and ESG.
PKF Melbourne, a member of the global PKF accounting network with more than 21,000 experts in 150 countries, has a “Vietnam Desk” to support business cooperation between the two countries.
Meanwhile, ETLABS – a technology and strategy consulting company – founded by Mr. Duc Do, introduced successful models of Clean Energy Finance Corporation and green bonds in Australia. He emphasized:
“A successful brand today must be synonymous with a sustainable brand.”
Experts from the College of Law and PKF also shared their legal and practical perspectives on ESG implementation in developing economies like Vietnam.
Promoting integration and sustainable development
The working trip to Victoria, Australia ended successfully, bringing VNBA and its member organizations many valuable lessons: from the technology human resource training model, AI application in risk management, to green finance development.
The trip also affirmed VNBA's strategic vision: not only helping members update international trends, but also proactively connecting with the world's leading institutions to promote innovation, enhance the safety of the financial system, and move towards sustainable development.
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