Accompanying businesses in digital transformation

Sacombank cooperates with partners to bring a series of technology solutions to each store, supporting individual businesses, business households, and small traders to gradually transform digitally.

Ms. Nguyen Thi Lan - a small business owner at Tan Dinh Market (Ho Chi Minh City) - Photo: DNCC

Household businesses make a significant contribution.

Ms. Nguyen Thi Lan, a long-time fruit vendor at Tan Dinh Market (Ho Chi Minh City), said she was initially confused when she heard she had to use electronic invoices directly connected to the tax authorities.

At over 60 years old, with a modest monthly income, she worries that the costs of software, equipment, and filing procedures will exceed her means.

"I'm only used to keeping records by hand, and when I hear about technology and new taxes, I get scared. I also think it will be very expensive if I have to buy more equipment," Ms. Lan shared.

Ms. Lan's story reflects the common reality of many small business owners struggling to adapt to the digitalization process, especially since Decree 70 mandates that business households must use electronic invoices via cash registers.

According to Ms. Nguyen Phuong Huyen, Director of the Individual Customer Division at Sacombank , household businesses not only make a significant contribution to GDP but also create millions of jobs and are considered the "backbone" of many industries, from agriculture and industry to trade and services.

"With their flexibility and high adaptability, individuals and household businesses are asserting their position as a powerful, resilient, and stable economic driving force."

Besides support from the government, organizations such as banks and technology companies will also play an important role in helping small businesses turn challenges into opportunities for more sustainable development," said Ms. Nguyen Phuong Huyen.

The bank directly visits the businesses to listen to and observe how they operate, conducts market research, and then designs solutions tailored to each customer group.

For individual business owners, household businesses, and small-scale traders, the bank deploys a team of staff to go directly to each market and store to assist with opening accounts, issuing QR codes, installing payment announcement speakers, and guiding them on how to use the Sacombank Pay application.

As a result, people are gradually becoming familiar with cashless payment processes, easily tracking income and expenses on their phones, and operating their businesses with greater peace of mind.

For businesses already familiar with technology, such as coffee chains, pharmacies, or grocery stores, the challenge is no longer about adapting to digital tools, but rather about managing operations and maintaining a flexible cash flow.

To address this, the bank collaborated with partners such as MISA and NextPay to provide a free 12-month comprehensive solution package, covering everything from cash flow, fund, and debt management to integration with electronic invoicing, accounting, and digital signature software.

Simultaneously integrates multi-platform sales management from physical stores to e-commerce websites; supporting inventory management, employee management, customer management, etc.

Supporting you every step of the way.

The bank is also ready to provide timely financial support to business households through flexible loans with preferential interest rates, simple procedures, and quick disbursement.

For unexpected capital needs, customers can use unsecured loans to proactively manage their business working capital.

"The nature of a grocery store is that you need to constantly restock, especially before holidays, when costs increase while sales revenue is slow to come in. Timely working capital helps me maintain sufficient inventory and not miss out on business opportunities."

"The bank provided flexible loan limits, allowing me to proactively manage my working capital. Borrowing and disbursing funds directly through the app is very convenient and fast," said Nguyen Anh Minh, the owner of a grocery store in Dong Nai.

For businesses converting to enterprises, Sacombank provides a comprehensive package of specialized account services, ranging from payment accounts, corporate cards, electronic banking services, interbank and intrabank transfers...to online tax payments.

Ms. Hien confidently transitioned to a business model, creating momentum for a breakthrough in business in the coming period - Photo: DNCC

"Transitioning to a corporate model is a direction we've long desired, but barriers related to capital, legal frameworks, technology, and especially costs remain major challenges."

However, with new policies from the authorities and the support of banks, things are gradually becoming more favorable. I believe that more and more households will boldly and confidently transform like us," shared Ms. La Xuan Hien, owner of an F&B business in Hanoi, who recently converted from a household business model.

With comprehensive solutions, Sacombank helps household businesses overcome three major barriers: finance, technology, and legal issues.

These forms of support not only help them overcome operational and regulatory compliance challenges, but also bring tangible benefits: increased revenue, cost savings, and more professional management.

"Sacombank not only provides tools but also brings peace of mind and motivation for business households to confidently develop. We are committed to accompanying business households and small traders at every stage, from the beginning to sustainable development in the digital age," Ms. Nguyen Phuong Huyen emphasized.

To learn more, visit https://www.sacombank.com.vn/trang-chu/khuyen-mai/khcn/chuong-trinh-uu-dai/dong-hanh-cung-ho-kinh-doanh.html

Alternatively, contact our hotline at 1800 5858 88 (toll-free) for specific advice and direct support.

VTK

Source: https://tuoitre.vn/dong-hanh-cung-ho-kinh-doanh-chuyen-doi-so-2025090915124291.htm