Digital transformation has been “reaching every alley, knocking on every door”. Determining this as an inevitable trend, the Social Policy Bank (CSXH) in localities in the province has actively deployed digital applications, bringing timely and effective banking services to people, contributing to the implementation of national digital transformation.
Phu Tho Town Social Policy Bank guides people to transfer money via Mobile Banking application
Ms. Nguyen Thi Hien - Nguyen Du residential area, Au Co ward, Phu Tho town received a loan from the preferential social housing loan program. Ms. Hien and her husband are tailors, the burden of raising two children and an elderly mother makes the dream of a solid house seem far away. Through propaganda work, knowing about the preferential social housing loan program of the Bank for Social Policies with preferential interest rates, she boldly borrowed 250 million VND to build a house.
Having staff from the Phu Tho Town Social Policy Bank come to my house to guide me on how to install and use the Mobile Banking service. Seeing the convenience, Ms. Hien said: “Through this application on my mobile phone, I can know the number of principal and interest payment periods of my loan, transfer money to pay interest without having to go to the bank and can also grasp the Government's preferential credit policies for poor households and other policy households”.
Easy to understand and use application interface with many utilities
The Mobile Banking application is promoted, guided and supported by the commune transaction team staff with new features such as: Vn Shop shopping, order status management, shopping history lookup, hotel booking service, VNPay Taxi, traffic toll top-up service, etc. The information technology infrastructure is completed, the fast service speed is evaluated by customers as equal to that of commercial banks.
Comrade Nguyen Ngoc Lam - Director of Phu Tho Town Social Policy Bank said: "Currently, Phu Tho Town has 389 loan customers and policy credit workers using services and conducting transactions via Mobile Banking application. Of which, 137 customers borrow capital from the social housing loan program. They not only regularly use Mobile Banking to pay but also repay monthly interest and principal without having to go directly to the bank, just by simple operations on the phone".
Although Tan Son mountainous district still faces many difficulties, it still strives to overcome them and achieve positive results in the digital transformation of policy credit activities. Together with the Head of the Savings and Loan Group (TK&VV) of Zone 5, Tan Phu Commune, we visited the house of Ms. Ha Thi Den. In 2020, she received a loan of 50 million VND from the district's Social Policy Bank under the Production Development Program for ethnic minority households with special difficulties. Ms. Den invested in planting acacia and tea trees to improve her family's life. In 2022, Ms. Den's family escaped poverty.
Although she is 62 years old this year, Ms. Den has learned and mastered some money transfer operations on the Mobile Banking application on her phone. Wearing glasses, her hands shaking as she entered each password letter by letter, Ms. Den smiled toothlessly: "Actually, I still have to rely on my children and grandchildren to help me a lot. If I don't know something, I will learn it and get used to it."
Tan Son District Social Policy Bank guides the elderly to use Zalo and Mobile Banking applications
Comrade Nguyen Viet Tuan - Deputy Director of Tan Son District Social Policy Bank informed: "The unit has actively deployed digital applications to people in many forms, suitable to the characteristics of the localities, starting with the staff of the Social Policy Bank, staff of associations, entrusted organizations at all levels and Savings and Credit Groups. After experiencing the features on the application, the bank continues to propagate and mobilize customers to borrow capital to register for the service, open accounts, guide customers to use the service, coordinate with related units to support, directly answer customers and handle arising transactions according to regulations".
In the coming time, to increase the number of customers and policy credit workers using applications on mobile devices, the Provincial Social Policy Bank will promote coordination with organizations and unions at all levels to propagate, disseminate and guide customers about services via mobile phones; strengthen inspection and supervision to grasp the actual implementation of instructions to the Management Board of Savings and Credit Groups, and unions and unions at the commune level on how to read and understand the content of messages as well as provide practical instructions to customers to read and understand the content of messages sent by the Social Policy Bank. Continue to monitor, review and promptly update customer phone numbers when there are changes, new customers have not registered for the service. Periodically at the monthly Commune Transaction Point, in the meeting, continue to propagate the purpose and meaning of the digital applications of the Social Policy Bank.
The implementation of policy credit management applications will help make policy credit transactions transparent, helping members of the Board of Directors of the Vietnam Bank for Social Policies at all levels, leaders and staff of the Vietnam Bank for Social Policies and entrusted socio-political organizations grasp the effectiveness in the process of operating, monitoring, managing and operating social policy credit.
Poor households and other policy beneficiaries have access to financial products and services of the Vietnam Bank for Social Policies, contributing to improving financial literacy, promoting the efficiency of capital use, and gradually becoming familiar with digital technology, especially customers in rural and remote areas. Thereby, accelerating the progress of information technology application, implementing digital transformation in policy credit activities, as well as moving towards providing comprehensive financial services to customers.
Thuy Trang
Source: https://baophutho.vn/chuyen-doi-so-mo-duong-cho-tin-dung-chinh-sach-220371.htm
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