TNEX
Bryan Carroll , CEO TNEX , explains how Vietnam ’ s first digital bank will connect 40 million ‘ unbanked ’ consumers with numerable small merchants
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I t speaks volumes about Bryan Carroll ’ s desire to break from banking convention that the first people he recruited for the launch of TNEX – Vietnam ’ s first digital-only bank – were not financial or technology experts , but a psychologist and sociologist . By truly understanding customers ’ needs , behaviours and emotions , he feels that TNEX is in a unique position in the market to deliver services , products and features that better match their lifestyle needs and aspirations .
TNEX has a clear mission “ to provide inclusive , secure , free and innovative financial and lifestyle solutions for every individual and small and microenterprise in both urban and rural areas .”
A quick click on the feature-rich TNEX website , which floats through “ space ”, endorses this against-the-grain approach and seems appropriate for a company which wants to take digital banking into a new “ universe ”.
TNEX targets two customer cohorts ; lower income consumers and micro merchants , both of which are primarily under / unbanked . The TNEX-Consumer app allows customers access to offers and products that match their daily lifestyle and financial needs e . g .
FEBRUARY 2021