Unlike traditional credit cards that offer a fixed set of benefits for all users, VIB’s membership-based model allows customers to actively choose and customize their preferred benefits. This approach provides greater flexibility, enabling users to maximize value based on their actual spending habits instead of paying for features they may not use.

One of the key highlights of this model is its subscription-style structure, similar to popular digital services today. Cardholders can select benefit packages tailored to their lifestyle, including cashback, rewards points, travel perks, shopping incentives, or entertainment privileges. Additionally, the inclusion of annual fee waivers lowers the barrier to entry, especially for younger, tech-savvy customers who prioritize convenience and cost efficiency.

The launch of this product reflects a broader shift toward “personalized finance,” where financial institutions move away from one-size-fits-all offerings to more tailored solutions. Customers are no longer passive users but active participants in shaping their financial experience, aligning services with their individual needs and preferences.

Beyond enhancing user experience, the subscription-based model also opens up opportunities for leveraging digital technologies, data analytics, and artificial intelligence. By analyzing customer behavior, banks can continuously refine and recommend more relevant service packages over time. This capability is becoming increasingly important as financial institutions compete in a rapidly evolving digital landscape.

From a broader perspective, the introduction of subscription-based credit cards is expected to drive further innovation across Vietnam’s banking industry. As consumers become more accustomed to flexible, transparent, and personalized services, financial providers will need to continuously adapt to meet rising expectations.

For technology providers and card solution companies like TBHP, this trend signals growing demand for advanced card issuance, personalization, and lifecycle management systems. Keeping pace with these developments not only strengthens competitiveness but also creates new opportunities to collaborate on digital transformation projects within the banking and financial ecosystem.

In conclusion, subscription-based credit cards are more than just a new product—they represent a meaningful step toward redefining personal finance experiences in Vietnam. Moving forward, user-centric and flexible solutions like this will play a critical role in shaping the future of digital banking.

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So, what are the most common plastic card technologies today? Let’s explore with TBHP.

1. Card Printing

Card printing is the most fundamental and essential step in the personalization process. It allows organizations to print images, logos, names, and other information directly onto the card surface.

There are two main printing technologies:

Direct-to-Card (DTC): Fast and cost-effective, ideal for internal use such as employee or student ID cards.
Retransfer Printing: Delivers higher image quality with edge-to-edge printing, suitable for high-end cards like banking or VIP cards.

Simply put, this is the process of “printing content onto the card,” but with much higher precision and durability requirements.

Recommended printers:

• Evolis Primacy 2 – High-performance printer with fast speed, ideal for large organizations
• Evolis Zenius – Compact and user-friendly, perfect for small to medium printing needs

2. Embossing

Embossing is a technique used to create raised characters on the surface of the card, typically for numbers or names.

You can easily recognize this on credit or debit cards, where the card numbers are physically raised and can be felt by touch. Besides improving aesthetics, embossing also supports certain traditional payment systems.

3. Card Encoding

Encoding is the process that gives a card its functionality by storing data inside it.

Common encoding technologies include:

• Magnetic stripe cards: used by swiping
• Contact chip cards: inserted into a reader
• Contactless cards (RFID/NFC): used by tapping

Typical applications include access control, time attendance systems, parking cards, and payment solutions, where users can simply tap or swipe to complete an action.

4. Card Lamination

Lamination is the process of applying a protective layer over the card surface after printing.

This layer can be clear, matte, or holographic, providing several benefits:

• Enhanced durability and scratch resistance
• Protection against fading over time
• Increased security against counterfeiting

For cards that are frequently used or require high security, lamination is an essential step.

5. Laser Engraving

Laser engraving uses laser technology to permanently engrave data onto or inside the card material (commonly polycarbonate cards).

Key advantages include:

• Permanent and non-removable data
• Extremely high precision
• Strong anti-counterfeiting capability

This technology is widely used for high-security applications such as national ID cards, passports, and premium banking cards.

Conclusion

In reality, a high-quality plastic card is not created using a single technology but rather a combination of multiple techniques such as printing, encoding, lamination, and security enhancements. Choosing the right combination depends on your organization’s specific needs, balancing cost, durability, and security.

TBHP – Your Trusted Plastic Card Solution Provider

With extensive experience working with banks, government organizations, and large enterprises, TBHP delivers comprehensive plastic card solutions—from card printers and consumables to encoding and security integration.

We are committed to:

• Providing the right technology tailored to your needs
• Supplying genuine, high-quality equipment
• Delivering fast and professional technical support

Contact TBHP today to get expert advice and the best plastic card solution for your business!

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TBHP IS HIRING: TECHNICAL LEAD – EQUIPMENT & AUTOMATION SOLUTIONS

1. Job Summary

• Lead, coordinate, and assign tasks for the technical team in implementing installation, maintenance, and system integration of IT equipment, as well as software/hardware solutions for banks, government organizations, and company clients (mainly in Hanoi and nearby provinces)
• Research and develop solutions/devices from the company’s partners for practical deployment
• Communicate technical information, propose solutions, and collaborate with vendors’ technical experts

2. Requirements

Education: Bachelor’s/College degree in Information Technology, Telecommunications, Mechatronics, or related fields

Experience: At least 2 years of relevant working experience

Preferred qualifications:

• Experience in consulting IT solutions or equipment/solutions in the finance and banking sector (minimum 1 year)
• Good communication skills; proficiency in English is an advantage
• Strong technical knowledge and continuous update of new technology trends
• Ability to work independently and manage a team

3. Benefits

• Salary: Negotiable based on experience and capability, from 20,000,000 VND++ (Salary + Allowances + Project Bonuses)
• Full benefits including social insurance, health insurance, and other benefits in accordance with labor laws and company policies
• Flexible salary review policy, bonuses, and additional benefits as per company regulations
• Opportunities for training and professional development (technical and soft skills)
• Dynamic, professional, and youthful working environment with strong career advancement opportunities
• 13th-month salary and bonuses on holidays and special occasions
• Participation in team building, company trips, cultural and sports activities, and company birthday events

Application

Candidates can submit their applications: Directly at the company office during working hours: Morning: 08:30 – 11:30; Afternoon: 13:30 – 16:45
Or via email: hcns.tbhp@tbhp.vn

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1. Job Summary

Implement installation, maintenance, and system integration of IT equipment, as well as related software/hardware solutions for banks, government organizations, and company clients (mainly in Hanoi)
Communicate and coordinate technical solutions with vendors’ technical experts

2. Requirements

Education: Bachelor’s/College degree in Information Technology, Telecommunications, Mechatronics, or related fields

Experience: At least 1 year of relevant working experience

Preferred qualifications:

• Certifications in systems, networking, cloud computing, etc.
• Experience in IT solution consulting (minimum 1 year)
• Good communication skills; proficiency in English is an advantage
• Strong technical knowledge and willingness to stay updated with new technologies
• Ability to work independently and in a team
• Strong research, analytical, and problem-solving skills; ability to evaluate technical solutions and manage IT product information
• Ability to write technical documents and present solutions

3. Benefits

• Salary: Negotiable based on experience and capability (starting from 15,000,000 VND++)
• Full benefits including social insurance, health insurance, and other benefits in accordance with labor laws and company policies
• Flexible salary review policy, bonuses, and additional benefits
• Opportunities for professional training and skill development (technical & soft skills)
• Dynamic, professional, and youthful working environment with clear career growth opportunities
• 13th-month salary and bonuses on holidays and special occasions
• Participation in team building, company trips, cultural and sports activities, and company birthday events

Apply now: hcns.tbhp@tbhp.vn

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Although small in size, a card represents a company’s brand, processes, and level of professionalism.

Common challenges before upgrading a card printer

Before investing in a new solution, many organizations face similar issues:

• Printing large volumes of employee or student ID cards with inconsistent quality
• Producing membership or VIP cards with poor color accuracy and unclear portraits
• Cards wearing out quickly due to frequent use (access control, daily handling, friction)
• Difficulty printing on chip, magnetic stripe, or contactless cards due to limited compatibility
• Projects requiring high-resolution (600 dpi), high-security printing without edge bleeding

When these requirements arise, organizations often begin considering retransfer printing solutions instead of traditional Direct-to-Card printers.

When should you consider Evolis Agilia?

It’s not simply about choosing “a better printer,” but selecting the right solution for the right needs.

Is Agilia the right fit?

Need sharp, edge-to-edge printing without color bleeding
→ Retransfer technology covers the entire card surface
Printing VIP or premium membership cards
→ 600 dpi resolution with vibrant, high-quality colors
Cards used daily (access control, attendance tracking)
→ Durable prints with strong resistance to wear and tear
High-volume batch printing
→ Large capacity and stable performance
Printing chip/contactless/EMV cards
→ Compatible with multiple card standards
Planning for future expansion
→ Modular design, scalable over time

Key takeaway:
If your organization requires high image clarity, durability, and consistent results, Agilia is a strong step up in quality.

More than a printer – a complete process solution

For many organizations, investing in a card printer is not just about improving print quality—it’s about standardizing internal processes:

• Issuing ID cards instantly for new employees without outsourcing delays
• Managing access levels through printed identifiers on cards
• Enhancing basic security with clear QR codes, barcodes, serial numbers, or RFID encoding
• Integrating with existing systems to automate data and printing workflows

In other words, the printer supports the entire system input, not just the final card output.

TBHP – delivering solutions based on real needs

Instead of offering a one-size-fits-all configuration, TBHP focuses on tailored consulting based on:

• Monthly printing volume (current and projected over 6–12 months)
• Card types (PVC, PET, ABS, chip, contactless, internal or customer use)
• Experience requirements (visual quality, durability, security—or all combined)

Based on these factors, Agilia can be configured from a basic single-sided printer to a fully integrated solution with dual-sided printing, encoding, and advanced security features.

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This strong shift in payment behavior is driven by several key factors, including the widespread adoption of smartphones, the continuous improvement of digital payment infrastructure, and the convenience offered by new technologies. Consumers today are not only looking for speed and convenience but are also increasingly concerned about security and data protection when making transactions.

Biometric authentication, including fingerprint and facial recognition, is becoming a popular choice due to its ability to reduce fraud risks while providing a seamless user experience. In addition, QR code payments and e-wallets continue to gain widespread adoption across various sectors, from retail shopping to public services.

Mastercard also highlights that Vietnam is among the fastest-growing digital economies in the region, driven by the active participation of banks, technology companies, and regulatory authorities. This trend not only accelerates the shift toward a cashless society but also lays the foundation for the expansion of digital identity solutions, electronic authentication, and enhanced transaction security in the future.

In this context, investment in technologies such as smart cards, multi-factor authentication, and biometric verification is becoming increasingly important. These solutions play a key role in building digital trust and ensuring the sustainable development of Vietnam’s payment ecosystem.

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Building on the success of previous editions, the event is expected to attract hundreds of delegates, including representatives from government agencies, financial institutions, and leading technology providers. The summit plays a vital role in connecting stakeholders across the cybersecurity ecosystem, enabling organizations to exchange knowledge and explore innovative security solutions.

Key focus areas in cybersecurity

In the context of rapid digital transformation, Vietnam Security Summit 2026 highlights several critical topics shaping the future of cybersecurity. These include data protection, cloud security, identity and access management, as well as strategies to address emerging threats driven by artificial intelligence and advanced technologies.

As cyber threats continue to grow in both scale and sophistication, organizations are increasingly required to shift from reactive approaches to proactive, multi-layered security strategies. The concept of cyber resilience is also gaining attention, emphasizing the ability of organizations not only to prevent attacks but also to respond and recover effectively.

Driving a secure digital ecosystem

Beyond knowledge sharing, the summit contributes significantly to raising awareness of information security and promoting best practices across industries. It also provides businesses with opportunities to connect with leading solution providers and explore technologies that enhance both digital and physical security.

In Vietnam’s journey toward a digital economy, cybersecurity is no longer just a technical concern but a strategic priority. Events like Vietnam Security Summit play a crucial role in supporting organizations to strengthen their security frameworks and align with international standards.

TBHP’s role in identity and security

Within the broader cybersecurity landscape, identity and access control remain fundamental components. This is where TBHP focuses its expertise, delivering smart card solutions and professional card printing systems to support secure identification.

By enabling organizations to implement reliable physical identity systems—from employee ID cards to access control credentials—TBHP contributes to strengthening the overall security infrastructure. As modern security models such as Zero Trust continue to evolve, the integration of digital and physical security becomes increasingly essential.

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According to data from the National Payment Corporation of Vietnam (NAPAS), total transactions processed through its system grew by 24% in volume and 8% in value. Notably, instant payment services such as NAPAS247 continued to show strong performance, with a 27% increase in transaction volume year-over-year.

At the same time, online payment transactions saw growth exceeding 25%, confirming the strong shift toward digital payment methods. In contrast, ATM cash withdrawal transactions continued to decline significantly, dropping by nearly 29% in volume and 26% in value. This trend clearly indicates that consumers are increasingly favoring more convenient payment options such as instant transfers and QR code payments.

Building a strong foundation for the digital economy

The rapid growth of online payments is closely linked to the advancement of technology and the diversification of payment methods. From QR code payments and contactless transactions to biometric authentication and multi-service e-wallets, users now have more secure and convenient options than ever before.

In addition, the continuous improvement of legal frameworks and regulatory policies has contributed to enhancing transparency and security in digital payments. This enables both individuals and businesses to access modern financial services more easily, further accelerating the development of the digital economy.

Strengthening security and risk management

Alongside transaction growth, ensuring security and system stability remains a top priority. In 2025, NAPAS continued to enhance its infrastructure by implementing advanced security solutions and improving system capacity to handle increasing transaction volumes.

The organization also focused on risk management, fraud detection, and monitoring suspicious transactions. More than 3.4 million alerts were sent to customers regarding potentially fraudulent activities, helping users proactively prevent risks.

In addition, collaboration with authorities and financial institutions has strengthened the overall payment security ecosystem. The deployment of fraud detection systems and risk monitoring tools across dozens of banks has contributed to building a safer and more transparent payment environment.

Expanding the digital payment ecosystem

Beyond domestic growth, Vietnam’s payment ecosystem is also expanding internationally. In 2025, NAPAS continued to promote cross-border QR payment connections with countries such as Thailand, Laos, Cambodia, and China, enabling seamless transactions for users traveling abroad.

At the same time, new solutions such as QR-based customer-initiated payments and contactless mobile payments (Tap & Pay) are becoming increasingly popular, aligning with the “tap-to-pay” trend and further enhancing user convenience.

A clear shift toward a cashless society

Overall, the strong growth of online payment transactions in 2025 clearly demonstrates the ongoing transition toward a cashless society in Vietnam. With continuous innovation in technology, improved infrastructure, and increasing user adoption, digital payments are set to play an even more critical role in the country’s economic development in the years ahead.

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Statistics show that cashless transactions continue to rise significantly in both volume and value. In 2025 alone, the number of non-cash transactions increased by over 42%, while transaction value grew by nearly 23% compared to the previous year. At the same time, payment methods such as QR codes, mobile banking, and internet banking have seen rapid adoption, reflecting a clear change in consumer behavior.

Banking sector as the driving force of digital transformation

The banking industry plays a central role in promoting digital transformation in Vietnam. By continuously investing in technology infrastructure and expanding digital ecosystems, banks are not only improving operational efficiency but also enhancing customer experience.

Today, most basic banking services have been digitized, with a large proportion of transactions conducted through online channels. The integration of payment systems with various sectors such as healthcare, education, transportation, and public services has created a seamless and convenient digital payment ecosystem for both individuals and businesses.

Moreover, banks are actively adopting advanced technologies such as artificial intelligence (AI), big data, and cloud computing to personalize services, optimize processes, and strengthen risk management capabilities.

Security and data protection – a critical foundation

Alongside the rapid growth of digital payments, ensuring security and data protection has become a top priority. As transaction volumes increase, so do the risks related to fraud, cyberattacks, and data breaches.

To address these challenges, the banking sector is shifting toward more comprehensive and proactive security strategies. These include strengthening identity verification, enhancing authentication systems, and leveraging national population data to improve accuracy and safety in digital transactions.

The implementation of digital identity solutions and biometric authentication is also playing a crucial role in building trust and ensuring secure financial transactions.

Towards a cashless and digital economy

The rapid development of cashless payments is not only transforming the banking sector but also contributing significantly to the growth of Vietnam’s digital economy. As more people adopt digital payment methods, the financial ecosystem becomes more transparent, efficient, and inclusive.

In this context, the banking sector continues to act as a key driver, leading the way in innovation, digital adoption, and the development of secure and modern financial services.

The transition to a cashless society is no longer a distant goal—it is already happening, driven by technology, policy support, and changing consumer habits.

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In the context of rapid digital transformation, the summit provided a comprehensive overview of the current state of the financial system, while emphasizing the critical role of technology in enhancing the competitiveness of financial institutions. Key discussions focused on advancing digital finance, optimizing operations, and building a more agile and modern banking ecosystem.

Driving digital transformation and banking modernization

One of the key highlights of Vietnam Banking Summit 2026 was the emphasis on technology as a driving force shaping the future of banking. From artificial intelligence (AI) and big data to cloud computing, emerging technologies are becoming essential foundations for banks to innovate their business models and improve customer experience.

In addition, the summit highlighted the need to build a comprehensive digital financial ecosystem, where banks go beyond traditional services and integrate more deeply with digital platforms, fintech solutions, and modern payment systems. This requires close collaboration between regulators, financial institutions, and technology providers.

Security and risk management – a critical priority

Alongside the opportunities brought by digital transformation, cybersecurity and risk management remained central topics at the summit. As banking services become increasingly digitalized, the risks of cyberattacks, financial fraud, and data breaches continue to grow in both scale and complexity.

As a result, banks are shifting from traditional security models to more proactive, multi-layered strategies, including identity authentication, access control, and data protection. This transition is essential as the banking sector aligns with global standards in governance and information security.

TBHP’s role in the banking security ecosystem

In today’s digital banking ecosystem, security goes beyond software systems and extends to physical identity and access control. This is where TBHP focuses its expertise, providing smart card solutions and professional card printing systems.

TBHP’s solutions support financial institutions in building secure identification systems, from banking cards and employee IDs to access control applications within corporate environments. As modern security models such as Zero Trust continue to gain traction, the integration of digital security and physical identity becomes increasingly important in minimizing risks.

With extensive experience across industries such as banking, healthcare, aviation, and government, TBHP aims to partner with organizations in their digital transformation journey, contributing to a safer, more modern, and sustainable financial ecosystem.

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