ryannguyenx.com
Writing
My notes on things that interest me, including product design, system design, banking, engineering management, personal takes, AI, and more.
- How bank Payment Gateway work in Vietnam?
A payment gateway is a bank's front door for money movement. VietQR scan at a street payment, NAPAS 24/7 account transfer on a mobile app, MoMo e-wallet transfer, and Visa card payment arrives at this single payment gateway
- Who regulates bank technology in Vietnam? A 2026 map
A practical map of the SBV units, banking rules, and engineering evidence that govern commercial bank technology in Vietnam.
- Customer data privacy in Vietnam digital banking context
Some insights of how privacy rules change data collection, cloud controls, cross-border transfers, and accountability if you build/own a digital banking layer
- What happen when interest rates move, using FED as case study
A practical chain from Federal Reserve rate changes to borrowing, asset choices, exchange rates, and emerging-market capital flows.
- How does a central bank "print" money?
A simplified 6-step of how central banks create reserves, buy bonds, ease financial conditions, and later revert that support.
- Using COBIT framework to govern your bank technology team
COBIT helps a bank connect enterprise goals to technology decisions, management work, and evidence that governance is working.
- Banking Enterprise Architecture - TOGAF and BIAN solve different problems
In context of Banking Enterprise Architecture, TOGAF gives an architecture process and governance structure, while BIAN gives reusable banking capability and service-domain details
- Buy or Build a Loan Origination System (LOS)?
A practical checklist for deciding whether a bank should buy an off-the-shelf LOS or build one around its loan process