BPC has partnered with BIDC, a subsidiary of BIDV and one of Cambodia’s fastest-rising commercial banks, to deploy its SmartVista platform, replacing legacy infrastructure and enabling EMV contactless issuing and acquiring.
The modernisation supports BIDC cardholders and merchant network with new secure payment features as well as the bank’s ambition to enter Cambodia’s top 10 by scale and top five in digital retail technology.
Now BIDC can design and offer modern EMV-supported contactless cards faster, and service them across its own mobile and branch channels. Merchants gain faster ‘tap-and-go’ acceptance and streamlined settlement, while customers benefit from simplified payments, account linking, safer e-commerce with 3D Secure, and consistent digital self-service. For the bank, the new stack consolidates operations, reduces time-to-market, and provides a scalable foundation for future growth.
Growth plans
“Offering modern card programmes and secure payment experiences to our customers are critical to our strategy and future growth,” said Mr. Nguyen Xuan Dung, Senior Executive Vice President BIDC. “The modernisation with BPC marks an important milestone in our transformation. We’ve moved from fragmented systems to a single platform that lets us launch new card products quickly, offer contactless acceptance, and extend secure services to customers wherever they bank. It strengthens our position today and sets us to scale at competitive speed as demand for modern payment solutions among Cambodians grows.”
BIDC selected BPC for SmartVista’s modular, secure, API-first design seeking one platform for diversification and national scheme compliance. The bank now runs a single card-management for domestic CSS and international Visa portfolios, offering contact and contactless EMV, multi-account multi-currency linkage per card, and policy-driven cards lifecycle controls.
Additionally, with modernisation of acquiring, the bank enhances its ATM and POS network with wider payment acceptance, faster clearing and settlement with a unified interface, and connection directly to CSS and Visa. Leveraging integrational capabilities of the platform and its open APIs, the bank integrates card services with its own mobile banking, giving customers in-app controls and ability to utilise virtual cards through the app. The bank is now capable of rolling out features rapidly without any disruption.
Digitalisation support
“BIDC was looking for one singular platform and SmartVista is designed just like that”, said Veasna Nguon, business development director (Cambodia, Laos and Myanmar), BPC. “We offer scalability and future-proven solutions and tools to deliver innovative secure digital payment experiences. We’re honored to support BIDC at its digitalisation journey as it accelerates retail banking in Cambodia.”
BIDC operates with a customer-centric mission of delivering convenient, reliable services to individuals, households, and SMEs. The bank is focused on digital innovation, operational excellence, and sustainable growth in Cambodia’s retail banking market.
Since go-live, BIDC cardholders experience faster seamless payments, safer online purchases, virtual cards usage and greater control over their own finances. Merchants benefit from quicker checkouts and simpler settlement while the bank gains real-time visibility, stronger fraud management and operational grip, and the scalability to introduce new propositions without disrupting day-to-day operations.
Looking ahead in 2026, BIDC and BPC plan to expand card features and connect additional scheme acceptance. On the network side, they expect to introduce cash-recycling machines. Roadmap priorities include deeper mobile integrations and broader merchant acceptance to support Cambodia’s cashless agenda.
