June 22

Why I travelled to Vietnam to Launch Its First Digital Bank – Bryan Carroll

BBS Podcast



What you need to know about our guest:

Bryan Carroll is CEO of TNEX – TNEX is Vietnam’s first Digital Only Micro SME and GenZ lifestyle banking platform.

Bryan is a highly experienced practitioner in the areas of Digital Banking, Data Science, Digital Marketing, Information Security, and Technology Architecture. Before founding TNEX he held senior roles with many Banks, Fintechs, and Venture Capital companies across Europe, the Middle East, Asia, and North America, including Rabobank International, Alfabank Russia, Bank of Ireland, Royal Bank of Scotland Group, and National Bank of Abu Dhabi.

Bryan was recently named number 27 in the Top 100 Fintech Leaders globally by Fintech Magazine.

Related Links:

Company site: https://www.tnex.com.vn/

Company LinkedIn: https://www.linkedin.com/company/tnexvietnam/

LinkedIn Profile: https://www.linkedin.com/in/bryanpcarroll/

Company Facebook: https://www.facebook.com/tnexvietnam/

Company TikTok: https://www.tiktok.com/@tnexofficial/

Company Twitter: https://twitter.com/TNEX_Vietnam

Twitter Profile: https://twitter.com/bcarroll123

Company Instagram: https://www.instagram.com/tnex.vietnam/

Company YouTube: https://www.youtube.com/channel/UCPx7XRmJCV2aSdh0SMhFZJg

Email: [email protected] / [email protected]

The Question Bryan Enjoys Explaining:

"How do you make money? How are you gonna be profitable?"


In a digital model, you're actually going to make a profit digital sense, not a digital a hundred dollars bills. So, it's about frequency of usage and it's about engagement, having something compelling, differentiated, and relevant.

We are earning digital sense, but we are getting many interactions. Our costs are uni cost go down as we scale dramatically. And we're trending very positively.

It's about buying loyalty, not looking for quick wins and monetizing in a fair and open way in your interactions with the customers.

“The secret sauce for digital is get the culture right for the delivery and the manufacturer and banking." – Bryan Carroll 

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