01 — The Client
One of Vietnam's leading private banks.
Techcombank is one of Vietnam's leading private joint-stock commercial banks, serving millions of individual and business customers. Its product and marketing teams work in an environment that demands both strict compliance and constant digital innovation: from building digital-banking features to running personalized campaigns across millions of customer segments.
02 — The Challenge
Generic AI training doesn't solve a bank's real problems.
The teams at Techcombank faced a problem common among Vietnamese enterprises: the AI training market offers plenty of options, but most are far too generic. Off-the-shelf courses tend to stop at theory and basic prompting, never connecting to the day-to-day operations of a financial institution built on process and compliance.
Each PRD took 4–6 hours to write by hand. User stories were rebuilt from scratch every time, with no shared standard. Prototype iterations were cut short to meet sprint deadlines. On the marketing side, data was analyzed manually and campaign content was produced one segment at a time — impossible to scale across a customer base of millions.
The problem wasn't that the teams didn't know about AI. It was that no one had shown them how to bring AI into the exact processes and tools they use every day.
03 — ZTO's Approach
A curriculum built from Techcombank's own products.
ZTO Labs didn't bring in a ready-made course and roll it out. The team designed two separate programs from the ground up, using Techcombank's own products, data and workflows as the learning material throughout.
Three decisions made the difference:
Every exercise, sample prompt and demo used Techcombank's Auto-Earning product as the working case: not a hypothetical example, but the very product learners build every day.
Instead of off-the-shelf templates, ZTO built a dedicated prompt set for each output the teams needed: writing PRDs, generating user stories, analyzing markets and creating campaign content.
ZTO designed the program so no one is left behind. Even without a technical background, learners can unlock the full potential of AI in their everyday work.
04 — Delivery
Two teams, two programs, one method.
ZTO ran two separate programs, each closely tailored to its team's work and built around Techcombank's real data, tools and products.
07/2025 – 09/2025 · 2 in-person sessions · 80 learners
Writing PRDs and user stories for their own banking products. Rapidly building interactive prototypes for real product ideas. Speeding up collaboration with the design team through AI.
10/2025 · 2 in-person sessions · 50 learners
Analyzing Techcombank's real market data with AI. Designing campaigns targeted at the bank's exact customer segments. Automating the workflow to produce personalized content for millions of customers.
05 — Results
Concrete change, measured right away.
Results were measured against Techcombank's real processes — not theoretical numbers.
After the program, the Product Owners walked away with a prompt set they could use from the very next workday. The marketing team gained an automated workflow to analyze data and create personalized content for millions of customers, instead of working segment by segment by hand. The program didn't just build skills — it reshaped how the whole team works.
06 — The Lesson
AI training only works when it starts from the learner's real work.
The Techcombank project shows the principle ZTO Labs applies to every program: AI training only truly works when it starts from the learner's real work, not illustrative examples.
Every exercise was tied to their real products. Every prompt ZTO wrote fit the right tool and the exact output they needed. Results were measured against processes already running, not a hypothetical baseline. Techcombank's learners left with skills they could apply right away, not academic theory.
That's ZTO's core difference: every program is designed from each organization's real problems, because no two organizations operate the same way.
Want your team applying AI from day one?
ZTO Labs designs every program around your organization's industry, tools and workflows, so each learner leaves with an AI workflow they can use on their very next workday.