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Interbank Transfer
Systems in VN & some
improvement ideas
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Agenda
3
• Overview/Context
• CITAD	(IBPS)
• NAPAS	real-time	interbank	transfer	systems
• Related	systems	
• Improvement	ideas	
• Conclusion
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Overview &
Context
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Overview/Context
5Source:	SBV.GOV.VN
q State	Bank	central	role	and	monopoly
q Complicated	and	fragmented	
1.IBPS/CITAD
2.NAPAS	Instant	Fund	Transfer
• To	Card	Center
• To	Account	in	other	banks
3.SWIFT	(for	other	currency	and	foreign	
transfer)
4.Debit	Card	switch	systems
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Overview & Context
6
Ways	to	move	money	from	an	account
Branch
Withdraw
n
Transfers
Internal	
Transfe
r
Domestic	
Transfer
Internatio
nal	
Transfer
Card	
System
POS
ATM
Withdraw
n
Bill	Payment
Utilities
E-
commerc
e
Topup
truongbx@gmail.com
Transfer from you account to other
bank
7
Sending	
Bank
Account
State	Bank
• IBPS	(CITAD)
• NAPAS	IBFT
Receiving	Bank	
Account/Card
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International Transfer Systems
8
Sending	
Bank		
Account
SWIFT
Receiving	
Bank	
Account
truongbx@gmail.com
Card Spending, Withdrawn
9
Acquirer
Acquiring	
Bank
NAPAS		
CardSwitch
Issuing	
Bank	
Account
REQUEST	FOR	APPROVAL	(Card/PIN/Token)
truongbx@gmail.com
E-Commerce Payment
10
E-
Commerce	
Sites
Their	
Bank
E-com	
Payment	
Gateway
NAPAS		
Payment	
Gateway
Your
Bank
You
REQUEST	FOR	AUTHENTICATION	OF A	BUY
Receive	+	provide	OTP/Auth token
Get	OTP/Auth Verified
truongbx@gmail.com
Bill Payment & Topup
11
Vendor
Vendor	
Bank
NAPAS
BillPay
Sub-
Bill	Pay
Your
Bank
You
GetBills (CUSTOMER	ID)
PayBill/Topup
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IBPS
(CITAD)
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IBPS/CITAD system overview
13Source:	IBPS	package on	SBV.GOV.VN
• RCP:	Regional	
Payment	
Center
• NHNN:	State	
Bank
truongbx@gmail.com
IBPS/CITAD
14Source:	SBV.GOV.VN
• HVSS	for	high-value	(500M),	immediate	
transfer
• LVSS	<500M,	cut-off-time
• Special	fields	for	Tax	collections	support
truongbx@gmail.com
IBPS/CITAD Fund Transfer Process
15
• Manual	input	and	approval	process
• Not	integrated	with	Core	Banks*
• Support	Credit	and	Debit	transfer,	but	Debit	
transfer	is	cumbersome	and	cannot	apply	
wide
Source:	IBPS	package on	SBV.GOV.VN
truongbx@gmail.com
IBPS – Min inputs required
16
•Account	Number
•Account	Holder	Name		*
•Receiving	Bank
•Receiving	Branch	CODE	*
•Transaction	Description
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Sample input screens
17Source:	IBPS	package on	SBV.GOV.VN
truongbx@gmail.com
Sample input screens
18Source:	IBPS	package on	SBV.GOV.VN
truongbx@gmail.com
NAPAS IBFT
(Smartlink IBFT,
BanknetVN IBFT)
truongbx@gmail.com
NAPAS (Smartlink/BanknetVN) IBFT
20Source:	SBV.GOV.VN
NAPAS	IBFT
Enquiry	Name
Bank	
Account
Card	#
Transfer
To	Bank	
Acc
To	Card	
#
Reconcile
Batch AdHoc
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Smartlink Sample API ISO8583 request
21Source:	SBV.GOV.VN
<field	id="0"	value=“xxxx"/>
<field	id="2"	value="9704xxxxxxxxxxxxxxxxxxxx"/>
<field	id="3"	value=“xxxxxx"/>
<field	id="4"	value="000000000000"/>
<field	id="7"	value=“xxxxxxxxx"/>
<field	id="11"	value=“xxxxx"/>
…..
truongbx@gmail.com
Smartlink reconciliation and error
handling
22Source:	SBV.GOV.VN
ü Timeout/error	handling
ü Daily	reconciliation:
• SML	sent	a	list	of	transactions	during	last	
period
• Banks	compare	and	feedback	
ü Timeout/error	handling
ü Each	transaction	can	has	3	states:	S/F/UnK
truongbx@gmail.com
Other systems
truongbx@gmail.com
Other systems used in VN
24Source:	SBV.GOV.VN
ü SWIFT
ü SWIFT	code
• Using	for	foreign	currency	transfer
• Using	for	sending	money	to	other	
countries
ü Song	Biên:
• Direct	property	interfaces	defined	
between	big	banks
• VCB	Money
• NOSTRO/VOSTRO	accounts
truongbx@gmail.com
Other countries
25
ü Target	2	Realtime (RTGS)	system
• The	transaction	is	cleared	right	away
ü SEPA		Pan	europan system
• SEPA	Credit	Transfer	
• SEPA	Direct	Debit
• SEPA	Card
ü ACH	(USA)	Automated	Clearing	House
• E-Check	processing,	3	days	to	clear	
(batch)
truongbx@gmail.com
Startup / New systems
26
ü TransferWise…
ü Paypal/Alipay
ü Bankplus/Momo payment	to	phone	
number	or	Wallet
ü …
truongbx@gmail.com
Cross Border and Currency Transfer
27Source:	TransferWise
truongbx@gmail.com
Ideas and Conclusion
truongbx@gmail.com
Ideas
29
ü IBPS	(CITAD)	prone	to	error,	hard	to	
improve	=>	Automation,	Information,	
remove	the	need	for	Branch	ID	
ü Napas IBFT	will	be	better	=>	Business	plan	
based	on	cheap	and	fast	transfer
ü Foreign	Currency	Transfer	and	Incoming	
Money	Flow
truongbx@gmail.com
Conclusion
30
ü Problem:	Bank	systems	are	complicated	
and	based	on	aged	technology,	model
ü Every	Problem	is	an	Opportunity
truongbx@gmail.com

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