Techcombank CEO outlines AI-First strategy for financial services

At the AWS Cloud and AI Day 2026 in Hanoi, Techcombank CEO Jens Lottner outlined the bank’s vision for an ‘AI-First Bank’ model. He emphasized that the competition in artificial intelligence is defined by execution capability rather than just the technology itself.

Techcombank is integrating AI as a core foundation for operations, decision-making, and customer service. Lottner stated that AI should be central to workflows while keeping humans at the center of decisions, aiming to amplify human potential rather than replace it. To support this strategy, the bank has invested in digitalization, data, and talent.

The bank currently processes approximately 8 billion data points daily and operates dozens of AI models to assist in areas such as risk management, personalized customer experiences, and enhancing the efficiency of relationship managers.