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# Vietnam Maritime Bank cuts loan approval times to 15 minutes
- URL: https://www.theglobalbanker.com/vietnam-maritime-bank-cut-loan-approval-times-to-15-minutes/
- Published: 2026-06-08T10:07:50.000Z
- Updated: 2026-10-02T10:07:36.000Z
- Description: Vietnam Maritime Bank halved its loan turnaround time to 15 minutes after deploying FICO's AI decisioning platform with regional partner Blitz, completing the integration of AI, machine learning and rules in ten months.
- Author: TGB Editorial Team
- Tags: Fintech, Asia-Pacific

Vietnam Maritime Bank reduced its loan turnaround time to **15 minutes** after deploying automated credit decisioning technology from FICO and regional partner Blitz. The bank completed the integration in 10 months and standardised its credit assessment by combining artificial intelligence and machine learning models with rule based criteria.

#### TECHNOLOGY AND DEPLOYMENT

The deployment introduced a combination of predictive models and deterministic rules to automate credit decisions, replacing an earlier process that had produced a 30 minute turnaround time. FICO said the system standardises policy rules across the bank, so that every loan assessment reflects the same logic and risk appetite, regardless of channel or product type. The programme was delivered with Blitz, a technology solutions provider specialising in risk, compliance and digital transformation for financial institutions in South-east Asia, and was completed in 10 months.

MSB used the implementation to standardise its credit approval processes and reduce manual errors. FICO said loan turnaround time fell from 30 minutes to 15 minutes, which it described as 200% faster approvals.

#### THE BANK AND NEXT STEPS

MSB has more than eight million retail customers, nearly 100,000 business clients and 260 branches, according to FICO. Nguyen Quang Man, MSB's deputy chief risk officer, said the bank was interested in extending the partnership to customer management and debt collection.

**Sources: FICO; Fintech News Singapore**[](https://fintechnews.sg/132706/vietnam/vietnam-maritime-bank-fico-loan-automation/)