Abstract

In the context of rapid digital transformation within the financial and banking sector, artificial intelligence (AI) plays a central role in optimizing operational processes, enhancing service quality, and strengthening risk management capabilities. The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) is among the pioneering financial institutions in Vietnam to deploy AI across multiple functional areas. This paper analyzes the theoretical foundations of AI in digital banking, assesses the current state of AI adoption at BIDV, identifies the key achievements, limitations, and challenges the bank is encountering. Based on these findings, the study proposes a set of solutions aimed at positioning AI as a core competency, supporting BIDV in its ambition to become a leading digital bank in Vietnam. The research results provide scientific evidence and policy implications that contribute to improving the digital transformation strategy of Vietnam’s banking system in general and BIDV in particular.