"Put away your wallet, hold your phone", people gradually prefer online payments

As a patient who regularly visits and receives treatment at local hospitals, Ms. Nguyen Thi Huong (65 years old, Dong Loc commune) has become proficient at paying hospital fees online. From being initially confused, her smartphone has now become an "e-wallet" that helps her save time, reduce waiting in line, and at the same time contribute to the medical industry modernizing the payment process in the context of an increasing number of patients.

“Before, every time I went for a health check-up, I had to prepare enough money to pay, but now I just need to do it on my phone. At first, I was confused, but the medical staff guided me so I gradually got used to it. Now I pay my electricity and water bills over the phone, so I don’t have to go anywhere,” Ms. Huong shared.

Older people are also gradually getting used to modern forms of payment.

A positive sign is that the rate of cashless payments among the elderly and in rural areas has increased significantly. This shows a clear shift, contributing to the formation of civilized consumer thinking in the community.

Not only the medical sector, educational institutions in the area are also increasing communication, forming cashless payment habits among parents and students.

A representative of Ha Tinh University said: The unit has actively connected with banks, supported students to register accounts, and operate on the app. In September 2025 alone, 100% of students paid tuition fees online through the school account. Paying tuition fees online helps the school limit the overload situation at the beginning of the semester, save service staff, reduce printing costs, and manage tuition fees more accurately, safely and quickly.

Paying tuition fees online helps Ha Tinh University limit overload at the beginning of each semester.

By mid-October 2025, the whole province had 1,423 POS machines, 45,346 points accepting non-cash payments, of which 1,423 accepted card points and 43,923 accepted QR code payment points. Card and QR code acceptance points were located at restaurants, gas stations, supermarkets, retail outlets and shops. Most of the merchants in traditional markets have integrated QR code scanning, making it convenient for people to shop and consume.

According to data from the State Bank of Vietnam Region 8, currently, the number of people aged 15 and over with transaction accounts at banks accounts for more than 87% of the total number of people aged 15 and over in the whole province. Notably, 100% of customers pay electricity bills without cash; customers pay water bills through banks and collection units at a rate of 90.37%; the result of non-cash payments to beneficiaries of social security policies reaches 96%; total tuition fees account for 95.7% of total revenue...

Card and QR code acceptance points are located at restaurants, supermarkets, stores..., creating convenience for customers.

Non-cash payments are becoming an important driving force in the development of the digital economy. When people pay by phone, the flow of money becomes more transparent, transaction costs are reduced, and the efficiency of public financial management is significantly improved.

Mr. Duong Van Hung - Deputy Head of Personal Customer Department I and Head of Digital Banking Group (BIDV Ha Tinh) said: "Electronic payment services are growing strongly in both quantity and quality. BIDV Ha Tinh is serving more than 360,000 customers, of which more than 60% use online payment services. Since the beginning of the year, the branch has had more than 40,000 new customers and 100% of them use online payment services. Currently, BIDV Smartbanking is also cooperating with many partners in the field of consumer services, providing cashback incentives of 6 - 10% when paying by credit card, helping users to be both convenient and economical".

The transition from cash transactions to digital payments is a key step for Ha Tinh to build a transparent, modern public administration to better serve the people. The province continues to direct relevant sectors and units to promote propaganda and guide people and organizations to access and use non-cash payment methods, especially in the field of public services. The goal is not only to help people clearly understand the benefits and necessity of electronic payments, but also to form civilized consumption habits in the community.

According to the general direction, each agency, unit and locality develops a plan to implement cashless payments, integrating this task into programs, projects and regular work plans to ensure practicality and effectiveness. The health and education sectors are assigned a core role in directing, inspecting and urging affiliated establishments to promote revenue and expenditure through electronic payment channels, striving to complete the targets of digital transformation of public finance in the area.

BIDV Ha Tinh staff guides customers on how to use BIDV Smartbanking digital banking.

According to Mr. Nguyen Van Trung - Deputy Director of the State Bank of Vietnam Region 8: The unit will direct commercial bank branches to continue to improve the quality and develop the network of accepting non-cash payments in the area; implement solutions to ensure security, safety and confidentiality in electronic payments for service users; strengthen the mechanism of cooperation, coordination and information exchange between the banking sector and the police... to promptly prevent, detect, investigate and handle violations of the law in payment activities; share the situation, methods and tricks of criminals in payment activities to promptly warn and recommend payment service providers and service users to prevent and stop the risk of exploiting payment activities for illegal activities.

Source: https://baohatinh.vn/bo-vi-cam-dien-thoai-nguoi-dan-dan-chuong-thanh-toan-online-post298464.html