Ngan Luc – Vietnam’s Pioneer in ATM, CRM and STM Leasing Services

An Optimal Solution for Financial Institutions to Accelerate Digital Transformation and Expand Transaction Networks

As the financial and banking industry continues to accelerate digital transformation while optimizing capital expenditure, outsourcing banking self-service equipment has become an increasingly popular strategy among financial institutions worldwide. In Vietnam, Ngan Luc Investment and Development Joint Stock Company (NIAD) is currently the pioneer and the only company providing large-scale, professional, and nationwide ATM, CRM, and STM leasing services.

With strong financial capability, extensive implementation experience, and a comprehensive service ecosystem, NIAD has steadily established itself as a strategic partner in automated banking infrastructure solutions for banks and financial institutions.

Pioneering the Modern Banking Equipment Leasing Model

For many years, banks have traditionally invested significant capital in purchasing, deploying, and managing ATM networks to serve their customers. However, as financial institutions seek to optimize capital efficiency and enhance adaptability to emerging technologies, the equipment leasing model has increasingly demonstrated substantial advantages.

Through NIAD’s ATM, CRM, and STM leasing services, banks can rapidly expand their transaction networks without requiring large upfront capital investments, while significantly reducing the burden of asset management and equipment lifecycle management.

Beyond equipment provision, NIAD supports customers throughout the entire project lifecycle, including site surveys, transportation, installation, technical maintenance, and operational support, helping ensure stable, secure, and uninterrupted system operation.

Nearly 500 ATM/CRM/STM Machines Leased to BIDV Nationwide

A clear testament to NIAD’s implementation capability is its ongoing partnership with the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV), for which NIAD currently provides and leases nearly 500 ATM machines across the country.

The ATM systems invested in and supplied by NIAD have been deployed in numerous provinces and cities throughout Vietnam, meeting stringent requirements regarding equipment quality, implementation schedules, operational reliability, and banking security standards.

This long-term cooperation with BIDV not only demonstrates NIAD’s financial strength and industry expertise but also highlights the high level of trust placed in the service model the company provides.

Large-Scale Supply Capability with Rapid Deployment

One of NIAD’s key competitive advantages is its ability to supply large quantities of ATM, CRM, and STM equipment within short timeframes, enabling customers to quickly expand transaction networks or execute large-scale projects.

Supported by strong financial resources, proven project management experience, and an extensive network of international banking equipment partners, NIAD is capable of implementing multiple projects simultaneously across different regions while ensuring strict compliance with customer requirements regarding quality and timelines.

This capability is particularly valuable for banks undertaking network expansion initiatives, technology modernization programs, or large-scale equipment replacement projects.

Comprehensive Service Ecosystem

Unlike traditional equipment suppliers, NIAD has developed a comprehensive service ecosystem designed to support customers throughout the entire equipment lifecycle.

In addition to ATM, CRM, and STM leasing services, NIAD also provides banking technical services, equipment transportation, installation, maintenance, asset management, and various financial infrastructure support solutions. The integration of investment capability, operational expertise, and technical services enables NIAD to deliver comprehensive, seamless, and highly efficient solutions to its customers.

Supporting the Modernization of Vietnam’s Banking Industry

With nearly 20 years of experience supporting financial and banking infrastructure, NIAD continuously invests in resources and strengthens partnerships with leading domestic and international technology providers to enhance service quality and deliver the most advanced solutions available.

Looking ahead, NIAD remains committed to expanding its portfolio of next-generation ATM, CRM, STM, and intelligent self-service banking solutions. Through these initiatives, the company aims to help banks optimize operations, enhance customer experience, and accelerate digital transformation across Vietnam’s financial sector.

Backed by proven capabilities demonstrated through numerous large-scale projects, NIAD continues to strengthen its position as a trusted partner in automated banking infrastructure while leading the development of professional ATM, CRM, and STM leasing services in Vietnam.

NGAN LUC – Outstanding Value, Dedicated Partnership.