Happy Money: Service quality is the key to winning customers

(Dan Tri) - With Happy Money, quality lies not only in financial products, but also in the experience journey of each customer.

Customer experience is the key to business survival

According to Salesforce statistics, more than 50% of customers are willing to leave a brand if their needs are not met. In that context, “excellent customer experience” is the key to help businesses maintain trust.

Happy Money consultants serve with a friendly and dedicated spirit (Photo: Happy Money).

Mr. Le Hoai An, CFA, Founder of IFSS, training and banking consulting expert of Integrated Financial Solutions Joint Stock Company, shared a study by McKinsey that excellent customer experience helps businesses increase customer satisfaction by 10-20%; increase successful sales rate by 10-15%; reduce service costs by 20-50%; increase employee engagement by 20-30%.

“In other words, quality products combined with excellent customer experience are the way to help businesses keep the “fire” of trust, maintain and develop sustainable business operations,” Mr. An commented.

“At Happy Money, trust is maintained through transparency. All loan costs, interest rates, and terms are publicly disclosed, helping customers proactively consider their financial capabilities. These factors help Happy Money not only maintain the “fire” of trust, but also create a different service experience in the consumer finance industry,” said a company representative.

Awarding scholarships to talented students is one of Happy Money's annual activities (Photo: Happy Money)

Positioning on the financial map of Vietnam

Coming to Vietnam for the first time in 2019, with the ambition to enter the potential but also challenging consumer finance market due to social prejudices, Ro Min Ho, CEO of Happy Money, laid the first "bricks" to build the foundation of Happy Money.

From a small transaction office, providing flexible and preferential loan packages with the motto of focusing on customers, after nearly 7 years of operation, Happy Money has nearly 50 transaction offices, serving nearly 40,000 customers with nearly 60,000 loan contracts.

Happy Money not only provides single loan products but has built a diverse financial ecosystem, from popular consumer loans to specialized loan packages. This diversity helps the company flexibly meet the needs of many customer segments, while increasing the ability to expand market share compared to competitors focusing on single products.

Mr. Ro Min Ho - General Director of Happy Money - shared: "It is not only the name or brand image that customers remember, optimizing customer experience during the process of using products and services is the way businesses position themselves in the minds of consumers".

Thanks to its compliance with standards, transparent operations and focus on experience, Happy Money has gradually affirmed its solid position on the Vietnamese financial map, contributing to promoting inclusive finance and sustainable development.

Happy Money was honored at the Vietnam Excellent Brand Awards 2025 (Photo: Happy Money).

Making an emotional impression on Vietnamese consumers

In recognition of its efforts in product quality and services exceeding standards trusted by consumers, at the end of September, Happy Money received the "Excellent Vietnamese Brand 2025" award from the Asian Economic Research Institute.

This award recognizes and honors businesses that are firmly committed to building, maintaining and developing product quality; maintaining brand reputation and developing innovation, contributing to the economic development of Vietnam.

For Happy Money, this is a testament to the persistent journey of building a brand from the heart. Along with business goals, the company always devotes resources to community activities, from giving gifts to people in difficulty during the Covid-19 pandemic, giving scholarships to poor but studious students, to the "Supporting exam season" program and supporting people affected by natural disasters.

In 2025, Happy Money continues to spread love through a series of charity activities at the Central Hematology and Blood Transfusion Hospital and Sao Mai Center, bringing joy and motivation to the less fortunate.

Most recently, in October 2025, Happy Money awarded 10 scholarships to talented students of the Banking Academy. This is also an annual activity within the series of commitments of the business to accompany the school in the period 2021-2025.

“A brand is not what a business says about itself, but what customers feel after each experience. When the product is good enough and the service is sincere enough, the brand will naturally “touch” the user’s emotions,” Mr. Ro Min Ho affirmed.

Source: https://dantri.com.vn/kinh-doanh/happy-money-chat-luong-dich-vu-la-chia-khoa-chinh-phuc-khach-hang-20251105113019702.htm