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| Staff at the Yen Bien branch assist customers in installing useful applications on their phones. |
Improve management efficiency
Established in 2013, initially primarily handling transactions at the counter, the Yen Bien branch has recently shifted strongly towards a multi-channel service model, with digital banking playing a central role. Currently, in addition to providing credit to over 400 customers with a total outstanding loan balance of 303 billion VND, the branch is also actively developing electronic banking services, online payments, and cashless payments.
Through the Agribank Plus application, customers can perform many transactions anytime, anywhere, such as: transferring money, paying bills, paying tuition fees, paying via QR code, checking account balances, or managing cash flow without having to go to the bank. For business households, opening accounts, using QR code payments, and receiving balance change notifications makes sales more convenient, transparent, and professional.
Mr. Do Dinh Minh, from residential group 9 Quang Trung, Ha Giang 2 ward, shared: "Thanks to the capital from the Yen Bien branch, I expanded my food and animal feed business in Ha Giang 2 ward and Minh Tan commune. Previously, cash flow control was mainly done manually, which was time-consuming. Since receiving support from the Yen Bien branch to open a business account, install a lucky speaker system, and guide the use of digital services, monitoring transactions has become easier, reducing transaction time, minimizing errors, and improving management efficiency."
Customer-centric approach
Comrade Vu Duc Tuyen, Director of the Yen Bien Transaction Office, stated: "The goal of digital transformation is not only to apply technology but, more importantly, to improve the quality of customer service. Therefore, along with investing in the development of digital platforms, the unit pays special attention to improving the quality of its staff, building a professional, dedicated, and friendly transaction style by assigning staff to regularly guide customers in installing and using digital applications, especially for the elderly and customers in rural areas. Each transaction officer acts as both a service provider and a 'bridge' to help customers access new technologies. At the same time, we proactively review and improve transaction processes to be simpler, more convenient, and reduce waiting times for customers. Many procedures that previously required in-person work can now be processed through electronic platforms, saving time and costs."
Nevertheless, the development of digital banking still faces certain difficulties, as a segment of the population remains accustomed to using cash and is not yet familiar with technological applications; the lack of synchronized telecommunications infrastructure in some areas also affects the deployment of digital services.
In light of this situation, the Yen Bien branch continues to strengthen its efforts in disseminating information, providing direct guidance, and coordinating with local authorities and organizations to raise public awareness of the benefits of cashless payments and digital banking.
With a customer-centric approach, the Yen Bien branch will continue to expand its digital banking ecosystem, develop modern products and services, and improve service quality and customer experience. This will contribute to effectively achieving the national digital transformation goals and building a modern, transparent, and convenient financial system for the people.
Text and photos: Hoang Tuyen
Source: https://baotuyenquang.com.vn/kinh-te/202606/dong-luc-nang-cao-chat-luong-dich-vu-23f3bae/
