Agribank Bac Thanh Hoa develops many modern and convenient digital banking services

With the goal of moving towards digital banking, meeting the requirements of modern banking management, the Bank for Agriculture and Rural Development of Vietnam - Bac Thanh Hoa Branch ( Agribank Bac Thanh Hoa) has created new transaction methods, ensuring safety, security, enhancing experience and increasing customer satisfaction...

Agribank Bac Thanh Hoa develops many modern and convenient digital banking services Agribank Bac Thanh Hoa staff introduces payment method via QR code.

Recently, in But Son town (Hoang Hoa), people have become familiar with electronic payment instead of using cash as before. Commercial stores and mini supermarkets have begun to fully equip POS machines for swiping cards and QR codes for quick payment. Many customers who have experienced it for the first time are also very satisfied because the operation is quite simple and fast.

Ms. Le Thi Thuy, owner of a mini supermarket in But Son town, has registered to use the QR code payment service of Agribank Hoang Hoa. During the sales process, the majority of customers use the QR service to pay without using cash. This not only helps the store save time and avoid counterfeit money, but also makes payment convenient.

Ms. Thuy said: “The QR code has been used at the store since the beginning of 2023, creating a lot of convenience for customers as well as sellers. Especially when there are many customers, payment and money checking operations are much faster and more efficient. Although it has been used for less than a year, currently non-cash transactions and payments via QR codes at the store account for about 40% of revenue.”

It is known that in the past time, Agribank Hoang Hoa has focused on implementing digital transformation solutions through many services such as payment, transfer, investment, credit, card, e-wallet, and many other services such as integration in the application, creating a comprehensive experience for customers to easily track accounts, transactions anywhere via mobile phones so that customers can control transaction time and do not have to go directly to the bank. Customers' regular banking transactions such as depositing, withdrawing money, transferring money, paying bills... to complex transactions such as opening an online account, depositing savings online, issuing cards, registering for Agribank E-Mobile Banking service, registering for loan applications have been done right in the system. Thereby, helping people use money transfer services, limit the use of cash, save costs, avoid mistakes in counting, transportation and limit risks for customers, contributing to helping people get closer to modern products and services, changing the habit of using cash.

Deputy Director of Agribank Bac Thanh Hoa Tran Thi Kim Anh said: "With the goal of moving towards digital banking, meeting the requirements of modern banking management, Agribank Bac Thanh Hoa has focused on developing and modernizing information technology infrastructure associated with human resource development. In particular, Agribank has researched and developed digital banking products and services, ensuring safety, security, enhancing customer experience and satisfaction, and implementing well the content of card payments and electronic banking to users. At the same time, the bank focuses on improving training and coaching for bank staff to ensure professional proficiency, good technology skills, and meeting the increasing needs of customers."

Agribank Bac Thanh Hoa has provided more than 200 convenient banking products and services to customers; over 150,000 customers have opened payment deposit accounts and used Agribank's products and services. In the card sector, Agribank Bac Thanh Hoa is one of the leading units in the card market with a total number of active cards reaching nearly 133,000 cards, 19 ATMs, 72 POS machines. Along with that, the unit has developed thousands of QR-Code points, most of which are business households with Agribank accounts equipped with free VietQR codes. Through payment acceptance points, QR codes, customers use their accounts and ATM cards, use Agribank E-Mobile Banking, eBanking services to make payments quickly and conveniently. There are hundreds of thousands of customers using E-Banking services (notification of payment account balance changes - SMS; SMS notification of savings deposit balance changes; SMS notification of loan balance changes; E-Mobile Banking, eBanking, payment for goods and services via e-wallet...

In particular, the unit has effectively deployed the eKYC identification method using biometric technology (face, fingerprint) allowing customers to register customer information (CIF) online, register to open an account online, use Agribank E-Mobile Banking service instead of having to go to the transaction counter, a total of 4,645 customers have successfully opened online accounts.

To develop digital banking services, Agribank Bac Thanh Hoa continues to enhance the application of technology to promote the development of electronic banking transaction channels on a modern technology platform. Along with that, it will complete the system of products and services, improve the quality and safety of transactions... to better meet the needs of the people.

Article and photos: Khanh Phuong

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