Implementing the direction of the Government and Thanh Hoa province on promoting non-cash payments, the Bank for Agriculture and Rural Development - Thanh Hoa Branch ( Agribank Thanh Hoa) has focused on investing, upgrading infrastructure, and developing electronic banking products and services. At the same time, actively coordinating with departments, branches, and units to promote propaganda and provide non-cash payment services to people.
Implementing the policy of paying monthly pensions and social insurance benefits to people through accounts, from July 2024 to now, Agribank Thanh Hoa has synchronously deployed solutions to support pension and social insurance beneficiaries to switch to receiving non-cash payments in many diverse and convenient forms. For beneficiaries who already have an account but have not registered to receive via account, bank officers and employees mobilize and promote the opening of accounts and receiving benefits via account. For salary beneficiaries to receive via non-cash payment methods, Agribank Thanh Hoa has created the most optimal conditions for beneficiaries to open ATM accounts with incentives such as free ATM card issuance, free monthly account management; providing ATM account numbers as quickly as possible to meet the declaration and registration work to switch to receiving via ATM accounts at payment points in a timely manner; assign staff to go to pension and social allowance payment points in residential areas to discuss and guide account openers on how to use and access utilities when using Agribank E-Mobile Banking accounts. With positive approaches, up to now, the bank has opened pension and social insurance allowance payment accounts for 21,474 customers.
Mr. Tran Ty, 72 years old, a retired cadre in Tan Son ward, Thanh Hoa city, said: “After being informed, I opened an account to receive my pension through an ATM account of Agribank Thanh Hoa. After 2 months of use, I found it very convenient. Every month I no longer have to go to fixed payment points to receive my salary. When I need cash, I can go to any ATM or bank to withdraw the amount I need to spend without any fees. In addition, when my pension is periodically transferred to my account, I authorize the bank to collect my electricity and water bills. I find paying my pension through my account both convenient and safe.”
To promote cashless payments, Agribank Thanh Hoa has focused on implementing many programs to support customers in opening accounts, opening payment cards and installing and using the Agribank Plus e-banking application. Investing in installing dozens of ATMs, CDMs, nearly 200 POS card swiping machines and thousands of payment points via QR-Code, VietQR... In addition, over the years, the bank has deployed collection services with hundreds of units and service providers in the fields of education, electricity, water, telecommunications, insurance, hospitals, and financial companies. Integrating utilities for collection and payment services on the National Service Portal; integrating tax, fee and charge payment services through e-wallets, on the Agribank E-Mobile Banking application; deploying tuition collection services for educational institutions using school management software of SSC, MISA .
Ms. Luong Thi Hong Thuy, Accountant of Nguyen Van Troi Primary School, Thanh Hoa City, said: "Previously, every month, the school collected boarding school meal fees from students. With the cash collection method, it took about 15 days to collect. After using cashless payment, the time was shortened by about 70%, parents saved time, the school reduced pressure on personnel, and avoided the risk of errors, loss, and counterfeit money after each tuition collection period."
Currently, the whole province has 307,082 registered Agribank Plus accounts, providing a solid foundation for the development of digital banking services. The total number of non-cash transactions in the first 9 months of 2024 was 22,253 thousand transactions, including transactions within and outside the system. This has demonstrated the choice and trust of people when trusting Agribank's services. Along with that, the bank has succeeded in disbursing 100% of loans through accounts, ensuring transparency and safety for customers' financial transactions.
The trend of using non-cash payment services in the province is forecasted to continue to increase in the coming time. Therefore, Agribank Thanh Hoa continues to promote communication activities, training and guiding customers to use non-cash payment solutions; increase convenient services, especially developing modern digital banking services. Thereby, helping customers save costs and transaction time, while contributing to the successful implementation of the project to develop non-cash payments in Thanh Hoa province in the period of 2021-2025, striving for an average growth rate of the number and value of non-cash payment transactions of 20-25%/year.
Article and photos: Khanh Phuong
Source: https://baothanhhoa.vn/agribank-thanh-hoa-day-manh-thanh-toan-nbsp-khong-dung-tien-mat-226354.htm
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