Case Study: Asia Commercial Bank achieves 300% reduction in payment authorization times and rapid corporate onboarding with Nucleus Software's transaction banking platform

Maximizing Competitive Advantage for Asia Commercial Bank

Asia Commercial Bank (ACB), one of Vietnam’s largest private banks, faced slow corporate onboarding and limited ability to launch new products from a legacy platform—often taking over a month to onboard business customers—while under pressure from fintech competitors and regulatory demands. Seeking a modern transaction banking capability, ACB engaged Nucleus Software to implement a production transaction banking platform to support its 2019–2024 growth and customer-experience strategy.

Nucleus Software delivered an agile, modular transaction banking solution (Payments and EIPP first) that went from minimum marketable product to live in five months, enabling rapid onboarding (more than 50 corporates in days and 169 corporates onboarded overall), processing USD 37.78M across 128K transactions, and delivering a 300% reduction in payment authorization times. The Nucleus Software platform added role-based access, AI anomaly detection, OAuth2 single sign-on and API-based integration, speeding product rollout, improving security and working-capital visibility, and materially enhancing ACB’s corporate banking competitiveness.

Asia Commercial Bank