Retail and consumer finance in Vietnam is considered to be of great potential. Given Vietnam’s young population, local consumers are not only more willing to spend, but are also easily adaptable to multi-channel transaction methods as long as they are convenient, seamless and secured. According to industry experts, the market will witness the breakthrough of leading corporations that have well-thought and executed strategies, and heavily invest in digital and technology, among which Techcombank and Masan emerge as leading brands. 

This is the reason why the WINLife ecosystem was co-created by Techcombank and Masan to fully meet consumers’ needs, financial and non-financial, and offer them convenient, seamless offline-to-online experiences “More convenient than cash, more profitable than cash" at its one-stop shops. WIN member customers will not have to carry cash or a credit card when using new modern cashless payment methods via Techcombank Mobile, such as Pay by Push (one-touch payment via the mobile phone) or QR Code, and also be eligible for dual incentives from Masan and Techcombank, specifically: Save up to 20% on essential items at WIN stores and unlimited extra 2% cashback. A new WIN member will be entitled to a discount of 50%, up to VND 50,000, on the value of their first bill worth. WIN member who opens new account at Techcombank will be entitled to a discount of 50%, up to 100,000 VND, on the value of her first bill when using cashless payment via Techcombank QR code or Pay by Push at the store.

The WINLife ecosystem not only meets "All You Need" for essential goods and utilities, but also brings Techcombank simple and intuitive banking services at customer’s fingertip. WIN customers can easily open their accounts on Techcombank Mobile; deposit and withdraw money through Techcombank CDM deposit/withdrawal machines as “electronic home safe” at WIN store, and experience cashless payment via Techcombank Pay by Push/QR Code as easy and simple as buying a bottle of Chinsu soy sauce.

The WINLife ecosystem has been officially put into operation by Techcombank and Masan in September at 27 WIN convenience stores situated in prime locations in Hanoi and Ho Chi Minh City, and 80-100 WIN stores are expected to open across the country from now until the end of the year. In the coming time, WIN membership program will be implemented in more than 3,000 WinCommerce supermarkets and convenient stores nationwide. 

Techcombank’s CEO Jens Lottner said, “We are delighted to partner with Masan to co-create the WINLife ecosystem and bring Techcombank’s outstanding banking services to WIN customers. Through the WINLife ecosystem, we aim to make banking more convenient, more accessible and more enjoyable for customers and move another step closer to achieving our vision to “Change banking, change lives”.  
Techcombank’s commitment to delivering unique and outstanding customer experiences has helped it to acquire and retain a large and growing customer base of over 10.1 million by the end of the second quarter of 2022. Techcombank has been recognized as one of the most trusted and recommended banks in Vietnam for many years with its NPS (Net Promoter Score) of 2021 was 83, much higher than the industry average of 69.3. It is the Bank’s commitment to providing customers with outstanding experiences that has won it the Euromoney award “Best Bank in Vietnam”, one of the world’s most prestigious banking awards for two consecutive years, 2021 and 2022.

Masan Group Corporation believes in doing well by doing good. The Company’s mission is to provide better products and services to the 100 million people of Vietnam, so that they can pay less for their daily essentials. Masan aims to achieve this by driving productivity with technological innovations, trusted brands, and focusing on fewer but bigger opportunities that impact the most lives. Masan Group’s member companies and associates are industry leaders in branded fast moving consumer goods, branded meat, modern retail, F&B retail, financial services, telecommunications, and value-add chemical processing, altogether representing segments of Vietnam’s economy that are experiencing the most transformational growth.