Agribank - Proactively creating digital banking, bringing services to every citizen

(Chinhphu.vn) - Based on the strategic orientation of Resolution 57-NQ/TW, along with Plan 77-KH/DU issued on February 28, 2025 and Action Program 40486/NHNo-NHS dated March 26, 2025, Agribank is creating a clear implementation mechanism, placing technology as the backbone, organization as the framework, people as the force, security as the shield, with the ultimate goal of bringing digital services to every citizen and "leaving no one behind".

Solid foundation

Based on Resolution 57-NQ/TW, Agribank has moved from policy to specific action. Plan 77-KH/DU and Action Program 40486/NHNo-NHS not only define goals but also clearly define the time schedule and implementation responsibilities.

From the end of 2024, Agribank proactively initiated the preparation phase, focusing on reviewing and perfecting internal policies, and upgrading technology infrastructure as a foundation for long-term steps. In the first quarter of 2025, the bank designed core solutions and piloted key products. By mid-2025, the process was accelerated with the expansion of scale, integration of national data, and replication of the smart transaction point model to ensure digital banking services are widely available from urban to remote areas.

From the second half of 2025, Agribank will move to the comprehensive operation phase, perfecting processes, establishing a mechanism to measure results and replicating effective initiatives. Throughout this roadmap is the principle of "No one is left out of digital transformation", ensuring that all staff, branches and transaction offices participate, and people and businesses in all regions of the country benefit.

Looking at this process, projects such as upgrading Core Banking, deploying Open SmartBank and Agribank Plus, applying SoftPOS, connecting eKYC with the population database, etc. are all set with specific timelines and linked to responsible people, turning vision into measurable results in reality.

Core solution – Bridge between banks and customers

The core products are not simply software, but a real bridge that brings banks closer to customers. (i) Open SmartBank and Agribank Plus allow opening accounts, depositing - withdrawing - borrowing online anytime, anywhere; (ii) SoftPOS turns smartphones into card acceptance points, helping small traders and businesses in rural areas easily access cashless payments; (iii) Open API expands cooperation with fintech and retail businesses, integrating Agribank services into the national digital ecosystem. In addition, AI, Big Data, and Cloud are applied to personalize services, detect risks early and optimize customer experience, especially in the product testing and refinement phase.

Regarding the transaction model, by mid-2025, Agribank will deploy more than 2,200 smart transaction counters across the system, helping to shorten service time, reduce administrative procedures and shift the focus from "procedures" to "value-added consulting." People clearly feel the change: streamlined procedures - short time - better experience.

Every position must act

Technology only works when there are people behind it who are clearly responsible. Plan 77, issued by the Agribank Party Committee on February 28, 2025, emphasizes the "5 clear" principle: clear people, clear work, clear responsibilities, clear time, clear results - and requires the inclusion of digitalization criteria in the action program. Each unit must develop an annual digital transformation plan, with the head directly responsible, reporting periodically on a quarterly basis, creating positive pressure to turn policies into concrete results.

In this roadmap, the role of Agribank staff is key. Each staff member must not only talk about digital transformation, but also practice digital transformation: opening digital accounts, using banking applications, and guiding customers at the counter. Specific actions build trust, helping customers be ready to accept new services. Linking digital transformation results to competition, reward, and appointment criteria has created a real motivation for action.

Digital human resources are prioritized for strong development. From the end of 2024, Agribank will deploy the "Digital Learning" program, build a digital skills training framework for staff at all levels, and cooperate with universities and research institutes to train and select talents. Recruitment and remuneration policies are adjusted to prioritize technology, data, and system administration personnel.

At the same time, Agribank encourages internal innovation through innovation competitions, replication of effective solutions, and multi-channel communication and customer guidance activities, from counter signs to instructional videos , helping to remove access barriers for farmers, small traders, businesses, and the elderly.

As digital services spread to remote areas, security and risk management become more urgent than ever. Agribank operates a multi-layered protection strategy, combining technical measures, management policies and strict monitoring mechanisms. (i) Technical layer: multi-factor authentication, biometrics, data encryption; (ii) Management layer: authorization, change control, internal audit; (iii) Monitoring layer: early warning system and real-time monitoring, helping to detect and respond promptly.

Along with prevention, Agribank improves response capacity, organizes periodic information security drills, applies AI and machine learning to analyze behavior, detect unusual transactions and forecast risks. Internal policies encourage testing within a safe framework, creating a space for solid and cautious innovation.

Customer trust is also reinforced by the quality of experience: regular satisfaction surveys, product updates based on feedback, development of personalized services such as financial management, incentive packages based on consumer behavior, and reward redemption programs. When people see the practical benefits - saving time, reducing costs, and receiving incentives, they will proactively accept and spread digital services.

"No one is left out of digital transformation" is no longer a slogan, but has become a command to act - concretized by targets, plans, responsibilities and results at each branch and each staff member. When Agribank brings digital services to farmers, small traders, workers, and village staff, the bank not only performs its business tasks, but also contributes to realizing the national goal: a digital economy - digital society, where financial services become a means of bringing opportunities, knowledge and safety to every corner of life.

The road ahead is still long, but if the roadmap is implemented seriously, persistently and responsibly, with clear reporting and evaluation according to the guiding documents, that vision will become a reality: Digital services to every citizen - Trust is kept - Agribank continues to be the core force of national digital transformation.

Mr. Minh

Source: https://baochinhphu.vn/agribank-chu-dong-kien-tao-ngan-hang-so-dua-dich-vu-den-tung-nguoi-dan-102251022174202392.htm