[Kyta Platform in Action] The Digital Transformation Journey of JACCS Vietnam with Kyta Platform

From an emergency response during the pandemic to a strategic digital foundation for 2025

Client Overview

JACCS is one of Japan's most established and trusted financial institutions, known in Vietnam for its strong presence in consumer credit, credit cards, and financial guarantee solutions. With a philosophy centered around "trust and reliability," JACCS continuously delivers comprehensive and innovative services to improve customers' quality of life.

In Vietnam, JACCS has successfully expanded its network and prioritized digital transformation to maintain leadership in a rapidly evolving financial landscape. Partnering with Kyta Platform marked a key strategic move in this journey.

Context and Challenges

During the COVID-19 Pandemic

The financial sector was temporarily paralyzed as transactions, contract signing, and fund disbursement faced severe disruption. For JACCS, processing thousands of loan applications monthly became a mission-critical challenge:

• Manual document workflows broke down as employees worked remotely

• Customers couldn’t visit in person to sign or submit loan documents

• Disbursement delays hurt revenue and undermine customer trust
  
  

Post-pandemic Strategy for 2025

What started as an emergency need in 2021 evolved into a long-term strategic imperative:

• Rising competition from fintech, digital banks, and automated lending platforms

• Increasing expectations for speed, personalization, and user experience

• Tightening regulations on personal data protection
  
  

JACCS understood that temporary fixes were not enough. A scalable, compliant, and integrated digital foundation was essential for sustainable growth.

Kyta Platform Solution

From urgent workaround to long-term platform

In 2021, JACCS deployed Kyta Platform to replace manual processes and ensure business continuity during lockdown. But as the solution expanded, its full potential for the financial services industry became clear:

• eContract & eCLM: End-to-end contract lifecycle management from drafting and negotiation to digital signing, archiving, and renewals. Digital signatures are certified and verified with government-trusted timestamping ("tich xanh").
  
  

• eRequest: A flexible, multi-level approval system with AI-assisted routing. Based on historical data, AI suggests optimal approval behaviors, cutting manual effort by up to 85%.
  
  

• eKYC & IDCheck: Electronic identity verification cross-checked with government databases, ensuring authenticity and audit-readiness.
  
  

• eCollaboration: Real-time document review and negotiation across departments with full comment history, version control, and transparency.
  
  

• Kyta Intelligent: Embedded AI to detect unusual clauses, send renewal alerts, generate dynamic reports, and enable smart search and data classification.
  
  

Key operational advantages

• Centralized management across one platform

• No-code/low-code configuration with user-friendly UI

• Seamless integration with internal systems such as CRM and core banking
  
  

Results & Business Impact

During the pandemic

• Contracts and fund disbursements continued without disruption, even with a 100% remote workforce

• Customers could sign from their smartphones and receive contracts instantly via email

• All transactions were traceable, verifiable, and secure
  
  

Post-pandemic achievements

• High-volume processing: Nearly VND 5,000 billion disbursed annually through electronic contracts

• Faster signing: Contract turnaround time reduced from 3–5 days to just hours or minutes for returning clients
  Cost savings: Cut 80% of printing, delivery, and paper storage costs

• Lean operations: Fewer manual approval layers, lower risk exposure

• Legal readiness: Courts have used Kyta-generated digital evidence in dispute resolution

• Customer satisfaction: Clients value the speed, transparency, and security of the digital experience
  
  

Conclusion and Future Outlook

The partnership between JACCS and Kyta Platform shows how a short-term emergency tool evolved into a long-term strategic platform.

Looking ahead, JACCS is exploring new use cases for Kyta Platform:

• Managing loan guarantees and multi-party contracts

• Leveraging behavioral data to improve credit offers

• Integrating big data and AI to personalize financial products
  
  

This case proves that digital transformation, when done holistically and intelligently, can be a catalyst for scaling operations, building trust, and creating lasting business resilience.

Frequently Asked Questions (FAQs)

1. When did JACCS start using Kyta Platform?
In 2021, as a business continuity measure during COVID-19. Today, it is the company’s core operational platform.

2. Are contracts signed on Kyta Platform legally valid?
Yes. Contracts are digitally signed and verified by Vietnam’s Ministry of Industry and Trade, with full legal enforceability.

3. Can customers sign remotely?
Yes. All that’s needed is a smartphone. No in-person meeting is required.

4. Can Kyta Platform support legal disputes?
Yes. Every action is logged, and the platform provides digital evidence admissible in court.

5. Can Kyta Platform expand to other financial products?
Yes. JACCS plans to apply it to loan guarantees, insurance contracts, customer data integration, and more in the future.