Best Frictionless Customer Experience Initiative is YouTrip from Kasikornbank

Best Social Media Engagement Initiative is by Ping An Bank

Best Digital Business Model is Inspire by Techcombank

Best Digital Brand Campaign is “Xiaoyu” from ICBC

Best Digital Wallet is GCash Philippines

Best Chatbot/Voice Banking service is from WeBank

Best International Credit Card in Vietnam

Best State-Owned Retail Bank in Vietnam is BIDV

Best Big Data & Analytics Initiative is from Bank of China

Best Overall Retail Bank in Vietnam is Techcombank