Possessing the five senses of harmony, white porcelain skin, Wushuang (Ngo Song) made a strong impression on the first meeting. Few people believe that underneath the dreamlike baby’s face is the solid body, “floating” muscles. The contrasting appearance of Wushuang’s pretty face, baby, and 6-pack body, and her muscular muscles, surprised many people. Many netizens called her by nicknames: “bodybuilder student face” or “muscle hotgirl”. Thanks to her outstanding body, Wushuang attracted the attention of people on social networking sites. One of the proud things about this girl is her muscular legs. Even the male bodybuilder who looks at it is jealous. It is known that Wushuang’s journey of possessing the body “ten thousand people love” is full of hardship. She used to own an oversized weight of up to 180 kg. In addition to her low self-esteem, her plump body makes Wushuang feel old before her age. Like many other girls, Wushuang was then 20 years old and determined to forcibly balance running exercises. However, her body weight was so great that she always felt short of breath. Every day is extremely tiring, it is difficult to be persistent in practicing. After failing to run, Wushuang went to the gym. Gradually, practicing at the gym was an indispensable part of Wushuang’s life. Afterwards, simple physical exercises did not make Wushuang feel satisfied. Coach started up her own exercises. She is also extremely interested in leg exercises. After years of perseverance, Wushuang also picked her fruit. Her physique changed completely. The ungainly greases have now been replaced with stylish and powerful muscles. Despite not having a slim body, Wushuang is extremely satisfied to see her muscular grooves. Wushuang regularly posts photos of her training and muscles on her personal Weibo page. She said that besides many people who left an impressive body compliment, many people thought that she looked a bit “different”. Even so, she has always loved sports. Hotgirl thinks that just need to be happy. Wushuang also sent her, everyone has their own taste and taste. For one person is not suitable for the eyes but for the other it is passion. As long as we do not harm the moral values ​​or the law, we should not take our personal opinion to hurt others. Invite readers to watch the video: Unexpectedly the 5 catastrophe dressed up badly into fashion icons. Source: Yannews.

Ms. Nguyen Thuy Duong – President of EY Consulting Vietnam, Vice Chairman of Fintech Club, Banking Association: Scale as a venture capitalist

Survey results on digital transformation in the Vietnamese banking industry show that 42% of commercial banks are building a digital transformation strategy; 28% of commercial banks have been implementing digital transformation strategies integrated with business strategies; 11% of commercial banks have approved and are implementing their own digital transformation strategy; 70% of credit institutions (CIs) are willing to deploy from an average level or higher with the following technologies: Mobile devices, open data connections according to application program interfaces; data analysis, standardization of electronic information according to the international financial electronic information standard ISO 20022; customer support (chatbot, virtual assistant …). In which, data analysis is the most widely used technology in credit operations (over 53% of credit institutions).

In the digital age, every credit institution needs to think like a strategist, innovate like a startup, design like a technology corporation, scale as a venture capitalist.

Mr. Pham Xuan Hung – Head of Supervisory Policy Research and Coordination Committee, National Financial Supervisory Commission: There are still many legal gaps

The development of digital banking in Vietnam is facing a number of limitations and difficulties such as: The legal gaps for digital banking development remain many; legal bases only focus on non-cash payment activities, such as digital signature authentication; identify customers; protecting consumers’ interests in financial services; protect user data privacy. The legal framework often lags behind technological developments.

In addition, the strategy for investment in the financial foundation technology is slow and inconsistent; There are still many shortcomings in sharing data between fields. There are still many limitations on information technology resources in digital banking development; Communication and consumer awareness raising (between regions) have not been strengthened.

Overview of the Forum “The future of digital banking strategy in Vietnam”

In order to accelerate the digital transformation process, state management agencies need to soon complete the legal framework in the areas of: Limited Online Customer Identification (eKYC); the bank’s trust agent system for non-cash payment services, digital banking services; policies on information safety and confidentiality in electronic transactions to protect the legitimate interests of customers; electronic banking process, supervise digital banking activities.

Commercial banks need to study and build a digital transformation roadmap; appropriate resource allocation for investment in new technology; promote banking digitization and develop pure digital banking.

Mr. Pham Xuan Hoe – Former Deputy Director of Banking Strategy Institute: Risk management, security, confidentiality

Digital technology is gradually changing the forms of providing financial and banking services. Digitalization helps commercial banks save 60-70% of costs and access more and more to digital banking services, integrating multi-dimensional in providing full financial services.

Digitalization has created a big change in the banking industry in terms of customer experience, more difficult banking, less loyalty; The increase in non-intermediary activities, in other words, the intermediary role of commercial banks will no longer be a unique position in the market, but will be replaced by online provision on technology platforms (the platform of P2P lending or P2P payment).

The emergence of huge data sources and integrated automatic collection processing and analysis by Bigdata technology will create a turning point in revenue development on a large scale. Technology development requires a change in the legal environment (open perspective) to reasonably support the development of new financial-banking business models.

Vietnamese commercial banks are mostly in the second stage (digital transformation), having implemented digital banking at the transition level in terms of processes and communication channels, while converting to new data platforms. deployed at some pioneering commercial banks. In order to develop digital banking in the future, it is necessary to have an open and balanced view that encourages innovation in policy making; National database and connection is the foundation for digital financial services.

Commercial banks need to strictly implement solutions to risk management, security, confidentiality, and consumer data assurance; take advantage of technology in capacity assessment and training to retain talent; need a database strategy. In addition, the Government’s support for policy is indispensable.

Survey results on digital transformation in the Vietnamese banking industry show that 42% of commercial banks are building a digital transformation strategy; 28% of commercial banks have been implementing digital transformation strategies integrated with business strategies; 11% of commercial banks have approved and are implementing their own digital transformation strategy …