As Vietnam’s economy evolves towards a more digital, affluent and capital intensive future, Techcombank is investing heavily in AI, data and talent to expand beyond traditional banking. CEO Dr Jens Lottner explains how the bank is positioning itself at the centre of this next phase of growth – across wealth management, infrastructure financing and capital markets. As Vietnam pushes towards its ambition of becoming a high-income, innovation-driven economy by 2045, the country’s financial sector