DISCOVER UNSEEN INSIGHTS

Transcription

1 DISCOVER UNSEEN INSIGHTS & BEST CASE STUDIES IN BANKING & FINANCE Organized by YouNet Media August 2017

2 Agenda 1 Retail Banking Overview (Social Media) 2 Highlighted Consumer Insights For Banking Industry 3 Review PR Communication Activites And Campaign 4 Effective Influencer Marketing For Banking Industry

3 About Us

4 A group of leading agencies Full-service Integrated Media & Social Research Engagement and Communication Solutions (with more than 300 experts in technology marketing & market research ) Full-service Social Listening & Social Analytics solution for Corporations & Brands Social Solutions Digital Solution & Communications Reputation Management Traditional Media Analyst (TV, Print, Online News) Since 2008 #1 solution for Social Network Solutions Enterprise Social Intranet 4 4

5 Full Service from Insight to Actions We helps Brands & Agencies not just understand brand & customer insight from Social Media, but also build solution for life-time consumer engagement to identify, nuture, acquire and retain loyalty through realtime & relevant engagement. Listening Understand Engage Convert Social Media Command Center Actionable Consumer Insight Social Customer Care Social CRM Monitor Brand Risk And Consumer Trends Brand Health, Campaign Tracking, Trends Research & Category Research Timely Engagement to maintain Brand Reputation Customer Portrait Social Audience Analytics Prospects & Leads 4,000,000 Facebook fanpages & groups 42M Facebook profiles 300,000 Youtube channels 3,000 Online news, forums, review, Q&A, Retail sites 10,000 personal blogs

6 Vietnam Social Media Landscape 55 mil Active Internet Users 60% of population) 46 mil Active Social Media Users (45% of population) 6 6

7 Multi-screen Media Consumption Behavior 69 mins TV Digital Devices has 2.5X times more 169 mins smartphone 69 mins tablet 169 mins laptop Global: 147 mins Global: 108 phút Source: Milward Brown

8 RURAL VS. URBAN At a glance RURAL URBAN 67% 70% rely on farming / fishing and hired labor POPULATION (TOTAL VN: 93.4 mil) 33% 80$ MONTHLY INCOME PER CAPITA 160$ 40% Post high school: 70.8% University: 3% EXPENSE PER CAPITA GROWS AT NEARLY EDUCATION 26% Post high school: 88.9 % University: 14% Source: GSO database 2015 & 2016, Nielsen Rural study 2014

9 Rural Consumers are in diversified Media World 90% 90% RR people own TV at home and 57% connect with more than 10 TV channels 90% 90% RR people own mobile phone and 50% of them own smartphone NUMBER OF RURAL NETIZENS VS. URBAN NETIZENS (mil) NUMBER OF RURAL VS URBAN FACEBOOK USERS Urban Users Urban Netizen Rural Netizen Rural Users Source: Nielsen Smartphone Insights Study Sep 15 Base: N=323, y.o & YouNet Media 2016 (combined with estimation from WeAreSocial & Facebook Audience Insight)

10 Rural consumer has strong engagement with social events FROM TV PROGRAMS TO BRAND ACTIVITIES ENTERTAINMENT EVENT - TÁO QUÂN 2017 BRAND ACTIVITY ĐI VÀ YÊU CAMPAIGN (BITIS) CAMPAIGN FOR TẾT TẾT SUM VẦY (PEPSI) BRAND SCANDAL / CRISIS C2 & RỒNG ĐỎ

11 Agenda 1 Retail Banking Overview (Social Media) 2 Highlighted Consumer Insights 3 Campaign Measurement & Review 4 Influencers marketing for banking

12 RETAIL BANKING industry overview on Social Media 1

13 TOP 10 Retail Banks have most active voice on Social Media 157,466 Unit: Mention Period: 2 nd Quarter ,663 57,283 56,442 39,584 32,621 31,159 24,642 19,328 17,557

14 Share of Voice VP Bank got a lot of attention by promoting Fast loan products 6% 8% 5% 4%3% VP Bank 6% 31% N= 510,745 11% 15% 11% Vietcombank Maritime MSB Agribank BIDV Sacombank ACB OCB VietinBank Techcombank Sources: Facebook, Youtube, Instagram, Online News, Forum, Blog, Ecommerce. Period: 2 nd Quarter 2017

15 Interpretting BHT alongslide Social Listening The measures here below are suggested, but are for illustration only and should be customized according to local market needs, objectives and business issues. BHT Metrics Brand awareness Brand consideration Brand affinity (emotional connection) Communication related Examples of Social Listening metrics to monitor alongside BHT metrics Volume of brand mentions (vs competition) Share of brand mentions (SOV, SOPV) (vs competition) Net sentiment (positive negative) (vs competition) Topic mentions (based on predefined topics i.e indulgence, healthy choice, natural ingredients )

16 Applying Social Listening to BHT Socia BHT can be characterised as side-by-side intelligence. For markets and categories where it is practical, it is a means of using social data for brand monitoring alongside or between waves of structured, survey-based BHT research, to provide additional contextual information. It is not a substitute or replacement for survey-based BHT research, but rather an enhancement. It is also useful alongside continuous or frequently collected BHT data, since it is also a mechanism for identifying new and emerging themes in consumer conservation. It can also anticipate potential trends, providing actionable early warnings on developments which might impact brand equity in future, or which could be added to your survy BHT. Side-by-side Intelligence: 1. Adds structure and actionability to social data 2. Adds extra insight and dynamism to BHT, (particularly where this is not collected continuously) 3. Enhances value of both data streams

17 BRAND SENTIMENT & TOPICS OF DISCUSSION Positive drivers analysis peaks. negative feedbacks about brand & product & services. NET SENTIMENT SENTIMENT TREND Total sentiment Sentiment trend 79% 19% 2% Positive Negative Neutral 0 1-Jun 3-Jun 5-Jun 7-Jun 9-Jun 11- Jun 13- Jun 15- Jun 17- Jun 19- Jun 21- Jun 23- Jun 25- Jun 27- Jun 29- Jun TOPICS OF DISCUSSION NEUTRAL DISCUSSION POSITIVE FEEDBACK Positive Negative Neutral NEGATIVE FEEDBACKS Price Health insurance Doctors Procedure Product Working hour Promotion Staff Attitude Technique Doctors 53 Price 115 Quality 11 Doctors 5 Staff Attitude 8 Customer Service 3 Facilities 7 Treatment Result 2 Promotion 7 Staff Attitude 2 Price 3 Quality 1 79% 19% 2% Brand Trust 2 Midwife Procedure 1 Promotion 1 Treatment Result 1 Facilities 1 1 8

18 BRAND HEALTH & PRODUCT PERFORMANCE BY PERIOD THIS MONTH (June 2016) THIS MONTH SENTIMENT TREND (June 2016) (Base: 12473) Positive Negative Neutral A B C (4534) BRAND SENTIMENT TREND OVER LAST 6-MONTH YTD 2016 (%) YTD 2015 (%) (2024) (4118) (2893) (1147) (12473) (Base: 27189) (Base: 19751) [A] New contest on fanpage [B] Mini game on Lazada and new contest on fanpage [C] Fake product review Expaination in details Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Positive Negative Neutral 18

19 Brand Health Tracking More than just metrics How customers see a banking brand on Social Media (Bank X) Staff Services Mobile app Không phí tháng Nhận thẻ nhanh Thanh toán Khó rút Giao diện xấu Online payment Maintenance fee Transa -ction fee Nhỏ nhẹ ân cần App dở tệ Không phí thường niên Trong 15 phút Which attributes need to be improved?

20 Social Listening: beyond just key social metrics (SOV, sentiment) Social Media offer brands with huge Consumer Insight, Sales opportunities, Market trending topics and fully get up to date of all brands performance Real-time mornitoring and feebacks Market Trends Discovery & Brand Performance Brand & Competitors Marketing tracking

21 Understand effective channels for communications in Banking

22 Demographic Top Platforms 44.9% 50.5% 54.5% 79% 15% Facebook News 45.5% 5% 1% Forum YouTube 2.6% 2.0% Others

23 Current Most Buzzed Channels Top Fanpage Mentions Fanpage Ví Mo Mo 9,987 Fanpage CafeF 4,452 Fanpage Vietnam Bankers 1,048 Fanpage VNExpress 761 Top News Mentions VnExpress.net 1,547 News.zing.vn 1,146 CafeF.vn 655 Tuoitre.vn 609 Top Facebook Group Mentions Group 2,127 Hội cho vay tiền nhanh FB 265 Group Những người đàn ông thông minh 203 Top Forum Mentions Vozforums.com 7,491 Otofun.net 1,397 Tinhte.vn 636 Otosaigon.com 279

24 Understand the different Roles of Social Channels Main difference between Forum, News, Fanpage, Facebook Group FB Community Page Intention of users: Industry news, online supports, entertainment, get rewards Strategy: Provide useful and entertained information, minigame, promotion, competition News Intention of users: Industry news, useful information Strategy: Promote good news for banking brand, useful information Forum Intention of users: Get support, connect with others, show opinions, warning others Strategy: Polls, survey, helpful content, KOL, free consultation, promotion, give aways Facebook Group Intention of users: Get support, connect with others, show opinions, warning others Strategy: Advocacy, engagement (poll, giveaway, activities ) For Example: Family insurance special offer for Mang thai and nuôi con bằng sữa mẹ Facebook Group

25 Type of contents by interactions Top 10 Banking brand s content interaction mesurement Q Useful information 88,452 KOL Reviews 70,440 Contest - Give away 46,852 Poll, survey 17,668 Poll, survey Contest - Give away KOL Reviews Useful information Interaction 17,668 46,852 70,440 88,452

26 Useful information/ guide Key take away: collecting helpful industry information will take time but has long-lasting effect

27 KOL Reviews Key take away: Using the right influencers, channels to help spreading words

28 Contest, Give Away Key take away: Frequently tracking social trends to have relevant attrative gift/reward ideas

29 Poll, Survey, Question Key take away: Raise discussions to get consumer insight from communities

30 Agenda 1 Retail Banking Industry Overview On Social Media 2 Highlighted Consumer Insights For Banking Industry 3 Campaigns Review & Measurements 4 Effective Influencer Marketing For Banking Industry

31 Highlighted CONSUMER What you already know about your customers INSIGHTS For Banking Industry Hidden insight from the Dark Web (Social Web) 2

32 Which are the Most Talked-About Banking products on Social Media?

33 The most-talked-about banking products (Q2 2017) 7,664 5,425 3,742 4, Mention (Organic) Mention (Owned) 1,290 1, , , Domestic paymen t Mobile banking Domestic money transfer Personal savin gs International transfer Personal loan Online banking Business loan Small dealer loan International payment

34 Questions about Credit Loans, CIC status are RISING TRENDS Top frequently asked questions by Bank users on Social Media - Q % 21% 5% Credit Loans Loan application procedure (7,688 mentions) Check CIC status (1,524 mentions) Open loan and credit account without company salary (82 mentions) Bank Account Support on opening new bank account (choose bank, card, bank procedure) (2386 mentions) Why I am being charged (252 mentions) Problem with signature (38 mentions) Payment and Transfer Tranfer within bank network (460 mentions) Online payment (buy ticket, goods, pay for electric fee) (252 mentions) N= 13,607

35 Customers need more SUPPORT with using Digital Banking Apps Top frequently asked questions by Bank users on Social Media - Q % 1% Banking apps How to use banking mobile app (259 mentions) Savings What happen to my money if a bank goes bankrupt (164 mentions) N= 13,607

36 Customer Experience (CX) in all channels must be improved Most negative feedbacks of banking users on Social Media Q ,830 N= 5, Bad staff attitudes Slow services due to customer overload (branch) Branches closed after 4h30 afternoon and on weekend Bad customer support system Risk of low credit score without reason Unstable and unfriendly banking web/app Bad account security lead to losing money High transaction, management costs High interest rate on bank loan Services 64% Products 36%

37 Bad staff attitude

38 Risk of low credit score without reason

39 Reason for choosing and leaving a BANK (loyalty drivers)

40 Top Drivers in considering a bank Low or no banking fee charged 815 Good banking brand reputation Many people use this bank % Mix of denominations while withdrawing on ATM 19 Salary paid by this account 14 Convenience of transactions and services Near to customer's house or company % Attractive promotions 4 Brand or Emotional Factors Product of Physical Factors

41 Low banking fee Trusted banking brand

42 Top reasons why customers LEAVE a bank Bad staff attitude 191 Inconvenience of online/mobile banking system High service cost % Bad brand reputation due to scandals 7 Bad customer service system 4 75% Risk of bank scam 3 Services Products

43 Bad staff attitude Inconvenience web/app

44 6 Key Elements of ideal OFF-LINE bank experience Research on how consumers appreciate banks offline services Q N= % Friendly and good looking bank clerks 31% Outstanding customer support 15% Simple and fast procedure 7% Priority for VIP 7% Friendly doorkeeper 2% Good Interior Design

45 6 Key Elements of ideal online banking experience Research on how people evaluate bank online system Q N= % All in one finance app 15% Fast, no hassle transaction 13% Fingerprint security 12% Good designed app/web 11% Free or low charge 4% Online chat bot

46 User convenience Is Top of mind

47 Bank users now-a-day seek for friendly, one-stop finance app User trend of using banking/finance app Q mentions Find interface of banking mobile app/website is old fashioned and not easy to use 290 mentions Appreciate banking app with fingerprint sign-in feature 139 mentions Choose mobile wallet apps over banking app for their online transactions

48 What people use mobile wallet apps for? Research on how people using Momo app Q N= % Top up Mobile phone 30% Pay invoice/ electric/ water fee 13% Buy Cinema ticket 9% Bank Transfer 7% Look for deal/discount /voucher 6% Book flight ticket

49 Summarized Lessons Learnt

50 Digital Banking is a Must Secure but Simple Online and Offline customer experience Fee, Fee and Fee Listen to understand Key drivers & barriers Risks Opportunities on All Channels

51 Agenda 1 Retail Banking Industry Overview On Social Media 2 Highlighted Consumer Insights For Banking Industry 3 Campaign review & measurements 4 Effective Influencer Marketing For Banking Industry

52 Which is the most interactive Facebook Fanpage of commercial banking brands VP Bank Agribank Sacombank Vietcombank Maritime MSB OCB BIDV ACB Techcombank Number of fans (00) Posts Engagement

53 Key messages by banks in Q2 #Vay là có ngay #Vay không thế chấp #Ưu đãi cho vay Ước mơ trong tầm tay #Chớp mắt đến Maldives # Xài Visa, trúng Toyota #Hè rộn ràng - Ngàn niềm vui # Thẻ tín dụng mới, quà tặng vui tới # Mở thẻ đồng thương hiệu, du lịch Mỹ sành điệu #Phương Đông Chào Đón #21 năm gắn kết #Mùa hè năng động cùng BIDV #ACB 24 năm tinh luyện qua thời gian # Hè rộn ràng ưu đãi thật sang # Sẻ chia hạnh phúc - Lan toả tin yêu

54 Most promoted products and services Personal loan Small dealer loan Business loan Credit card (travel) Personal loan Global payment card Online Deposit Credit card (travel) Savings Savings Global payment card Credit card (travel) Personal loan Mobile banking Car loan Business loan Global payment card Domestic Payment Card Mobile banking Domestic payment card Savings Entrepreneur Account Personal loan Global payment card Internet banking Personal loan Global pament card Car loan

55 Hot campaign of Q2.2017: Fast Loan VPBank Total Mentions Total Posts #VaynhanhVPBank #Vaykhongthechap #VPBank 2 nd Viral Video Tình Total Mentions: 5,522 cũ không rủ cũng Total Interactions: 49,634 tới on Kem Xôi TV Channel 3 rd viral video Vào hàng bưởi xanh tiếp thị vay nhanh 1 st Viral Video Vay là có ngay Apr May May May May May Jun Jun Jun Jun

56 Hot campaign: Fast Loan VPBank Source name Posts Total Engagement Avg Engagement Fanpage Chửi Thuê Fanpage VPBank Fanpage Tuyê t Bitch Collection Fanpage Các sự kiện nội bộ VPBank Website news.zing.vn Fanpage BEATVN JSC Fanpage Hội những người thích đọc tin tức 24h Top Sources 70.6% Facebook 28.1% News 0.8% YouTube 0.5% Forums

57 How to mesure success of a social marketing campaign Buzz volume Sentiment Conversion Benchmark comparison 1. Number of mentions 2. Number of interactions 3. (likes, shares, comments) 4. Effective channel 5. Effective content angles & tactics 1. Sentiment (brand & products) 2. Positive drivers 3. Negative drivers 4. Discussion trend 1. Brand Replacement Ratio 2. Share of voice re-distribution 3. Intentions (to join, to buy product..) 1. Rank against competitor s or similar campaign 2. What works 3. What didn t work Content & channels plays the critical role in campaign

58 Case studies Biti s Hunter Win Customer Love and Purchase

59 Top 10 campaigns with most social buzz (Tet 2017) 544, , ,548 32,999 27,279 26,139 25,851 25,137 16,004 9,375 Unit: Mention - Time: 12/ /2017

60 Create huge buzz and consumer s interests

61 Leverage Social Influencers Giveaway, Online shoes hunting, University tour, Virtual reality experience, "Kỳ thực tập trong mơ, MV,... are tactics used in Biti's Hunter campaign, yet the most notable tactic is Creating controversial topic "Tết này nên đi hay trở về starting with unbranded content posted by many KOLs divided into 2 teams: #teamđi & #teamtrởvề and closing by MV "Đi để trở về" received many positive feedbacks from the young.

62 Tap on the most popular trend: TRAVEL

63 Create huge REACH via Youngster channels

64 Co-branding with other strong brands

65 Continue with STAGE 2: Go With Love (Đi & Yêu) TOTAL INTERACTION TOTAL INTERACTION 57,622 21,189 posts Mention DISCUSSION TREND (DAILY TREND OF POSTS & COMMENTS) Launch of Nơi Này Có Anh MV SơnTùng s Promotional Post for his new MV on his own Fan Page 36,432 comments 1,228,798 likes Launch of Teaser of Nơi Này Có Anh MV th Mar is the deadline of campaign submission, there are many appeals from media lure people to participate Đi và Yêu. 274,270 shares Jan 25-Jan 1-Feb 8-Feb 15-Feb 22-Feb 1-Mar 8-Mar 15-Mar 22-Mar 29-Mar

66 Create out-of-stock demand phenomenon CAMPAIGN SENTIMENT EVALUATION PRODUCT SENTIMENT EVALUATION Prize Product availability Emotion to KOLs Product for female Campaign Rule Condition term Campaign Message Brand/Campaign Love Designs Quality in general Product size Colour Campaign Rule - Timing 7 74 Customer Service Campaign Rule - System Comfortability Campaign Result Price of Product 4 3 2

67 Create new short-term TREND of QUOTE The song Đi và yêu created high interaction from media. Many people have used the term Đi và Yêu for their personal post on facebook. Thus, it can be seen that the song from Soobin is very effective in creating viral.

68 Trend...

69 Create higher participants & purchase intent Although there was a short duration period in stage 2, the campaign was very successful in term of increasing Brand Mention and Purchase Intent level. Stage 1 (Data cover from Jan 18 th Mar 05) Stage 2 (Data cover from Mar 06 Mar 31st) PURCHASE INTENT 8.7% 10.4% PURCHASE INTENT BITIS MENTION 11.4% 11.6% BITIS MENTION CAMPAIGN INTENT TO JOIN 37.2% 36.4% CAMPAIGN INTENT TO JOIN CAMPAIGN VIRAL 42.7% 28.3% CAMPAIGN VIRAL

70 Agenda 1 Retail Banking Industry Overview On Social Media 2 Highlighted Consumer Insights For Banking Industry 3 Review PR Communication Activites And Campaign 4 Effective Influencer Marketing For Banking Industry

71 Effective Influencer Marketing For Banking Industry 4

72 PR in Digital Age :: Influencer Marketing?

73 3 types of influencers VIPs & Celebrities Professionals Singers/Actors / Miss Beauty Athletes /Musicians Gov Officials Sector leaders (Founders, C-level, Executive Directors) Media/Bloggers Citizens People/Customers/Subscribers/Fans Casual Blogger

74 3R which define INFLUENCE Popularity Proximity Goodwill Authority Trust Affinity Frequency Period Amplitude

75 Select the right Influencers for your brands Reach Deliver impressions to right audience Resonance Influence their opinions VIP/Celebs Professionals Citizens Reach Resonance Relevance Relevance Connect to brand or topic

76 PR Influencers Marketing

77 Strong product positioning via 13 different Influencers

78 Select right influencers for your objectives Understand influencers fan demographics (Who could be reached) 29.3% 23.8% 22.6% 32.9% 22.5% 69.7% 76.2% 76.4% 66.4% 76.5% 64.8% 72.7% 64.3% 65.2% 66.0% 32.4% 2.8% 24.2% 3.1% 32.8% 2.9% 26.1% 8.7% 28.2% 5.8% Others Others Others Others Others

79 Mix of KOLs in campaign (Celebrities) Pick and Mix influencers to reach more segments of customers on Social Media Fans: 8,402,619 Average post interactions: 15,000 Chi Pu Fans: 709,637 Average post interactions: 3,000 Quynh Anh Travel content: 5% Travel content: 27% Shyn

80 Mix of KOLs in campaign (Professionals) Pick and Mix influencers to reach more customers on Social Media Fans: 599,495 Average post interactions: 4,000 Travel content: 28% Nguyen Ngoc Thach Book author

81 Mix of KOLs in campaign (Casual bloggers) Pick and Mix influencers to reach more customers on Social Media Followers: 22,124 Average post interactions: 300 Travel content: 26% Nhi Dang Followers: 30,635 Average post interactions: 900 Travel content: 33% Rosie Nguyen

82 Influencer Marketing Strategy Brand provide guideline for influencer to produce their own contents and fit brand into it KOL s Channels Travel Communitites PR News Banner Ads Remember: CONTENT has to be life-style relevant

83 Tips: lifestyle brand advocacy from influencers Lần đi Ý chung với con bạn thân, đi mấy ngày không sao, đùng một cái đến ngày gần về thì nó phát hiện ra cái bóp bỏ toàn bộ tiền bạc và thẻ trong đó không cánh mà bay. Lúc đó hai đứa thiệt muốn đứng tim, may mà xử lý kịp bằng cách gọi điện về nước gấp để khóa thẻ các thể loại rồi tự an ủi nhau là thôi bỏ, của đi thay người. Nhưng dằn vặt cực kỳ vì số tiền mất tính ra là khoảng 70 triệu vì nghĩ là đi Châu Âu nên đem theo khá nhiều tiền để xài. Ban đầu mình cũng khuyên nó là tiền nên chia ra, bỏ trong túi một ít, bỏ ở khách sạn một ít, nhưng nó không nghe, vì kêu để ở khách sạn cũng không an toàn. Sau lần nó mất như vậy, mình bị sợ luôn, đi đâu cũng nhức đầu về việc phải giữ tiền ra sao. Nào là chia nhỏ ra, bỏ bóp một chút, balo một chút, vali một chút, khách sạn một chút, xong, nhiều khi trí nhớ cá vàng, đau đớn nhất là cất ở đâu cũng không nhớ, về kiếm không ra rồi tức khóc lóc vật vã như con thần kinh tuổi xế chiều, nhục không thể tả. Và rồi, mình đã tìm ra chân lý của việc dùng thẻ để đi mua sắm ở các nước, không lo giấu tiền, xài thẻ vừa tiện vừa an toàn. Xu hướng bây giờ là du lịch để tận hưởng, là dùng thẻ tín dụng để nhận được ưu đãi, thoải mái trải nghiệm. Đi đâu du lịch quăng vô ba lô dăm ba (chục) bộ đồ, thêm cái ví nhỏ với thẻ tín dụng thôi là yên tâm ròi. Và phương án của Thạch là chọn thẻ Citi Cash back đồng hành cho chuyến đi sắp đến. Kinh nghiệm đi ra sao sẽ chia sẻ cùng các bạn trong thời gian tới. #CITICASHBACK #CitiExperience Nguyen Ngoc Thach

84 How to evaluate Influencer Performance 01 Brand Replacement Ratio Campaign Sentiment Distribution Conversion Ratio Relevancy of Content Social Buzz & Engagement

85 Tips for brands It s Quality, Not Quantity Select the right Influencers, make smart combination recommended from Social Listening Content is king / has to be relevant Every customer is an influencer Social Advocacy strategy

86 For more advices NGUYEN HAI TRIEU CO-FOUNDER / PRESIDENT BOARD OF DIRECTORS M: Brand Health Tracking & Brand Audit Crisis Tracking & Management Campaign Success Measurement (PR & Social) Category Consumer Research / Trends Spotting Social Influencers Plan Social CRM (Customer Portrait, Leads, Prospects) Honored to provide Social insights and solutions for clients in the Banking, Finance, Insurance, Real Estate industries and several other top class clients in Vietnam.

87 THANK YOU FOR WATCHING