Banks lead the "Popular Education" program

From “hand-holding” digital skills to expanding digital payments in daily life, the banking system is playing a core role in the “digital literacy” movement with the goal of popularizing digital skills, habits and utilities to all classes and regions.

Digital payments and connectivity are on the rise

According to statistics from the State Bank of Vietnam, in the first 9 months of 2025, non-cash payments (TTKDTM) nationwide grew by over 43.3% in number of transactions and over 24.2% in value compared to the same period in 2024. Transactions via the internet and mobile devices increased by 51.2% and nearly 37.8% in number, respectively. Meanwhile, payments via QR Code made a strong breakthrough with growth of 61.6% (in number) and nearly 150.7% (in value), respectively.

On the other hand, according to statistics from the Payment Department (SBV), cash withdrawals via ATMs decreased by nearly 17% (in terms of transaction volume). This shows that people are strongly shifting to online payment channels thanks to the increasingly close support of digital banking applications integrated on computers and mobile phones.

The above figures clearly demonstrate the positive results that the banking industry has contributed to the movement to popularize "digital literacy" - a policy that has been directly initiated by the Government with the expectation of becoming a "national, comprehensive, inclusive, and far-reaching" movement.

In fact, records from the State Bank show that by the end of October 2025, after the Government launched the digital literacy movement, the Governor of the State Bank directed the entire system of credit institutions to deploy this movement with the requirement of linking digital skills training with practical work, promoting online public services and standardizing digital processes in banks, thereby spreading to people and businesses.

Statistics from the State Bank of Vietnam show that the activity of connecting identification data through the banking system is now quite popular. As of early October 2025, more than 132.4 million personal records and 1.4 million organizational records have been biometrically compared. Currently, 57 credit institutions and 39 payment intermediaries have deployed the integration of citizen identification on mobile phones; 28 banks and 4 payment intermediaries have linked social security accounts with bank accounts via VNeID for automatic payment.

From the side of credit institutions, according to reports from a number of commercial banks, such as BIDV, Vietcombank, Agribank, VietinBank, TPBank, HDBank,SHB , MB... currently, applications and platforms supporting business digitalization; connecting to support payment collection and payment of public services are quite complete and widespread in most fields.

For example, the number of customers transacting via BIDV 's digital channels by September 2025 has reached over 16 million customers with more than 7 million transactions/day, the bank's SmartBanking X application has been able to integrate 2,500 services of 1,500 customers and partners. Vietcombank's VCB Digibank platform has currently served nearly 13 million customers, processed more than 6 million transactions/day and the bank's VCB DigiShop application has helped tens of thousands of business households apply electronic invoices while consolidating revenue, expenditure and payment utilities into the same integrated application.

Commercial banks proactively send staff directly to market stalls to support small traders and business households in using digital payment applications.

A fulcrum for expanding inclusive digital finance

According to the assessment of many branches of commercial banks and the Vietnam Bank for Social Policies (VBSP) in Ho Chi Minh City and Dong Nai, programs to popularize digital payments, skills in operating and using mobile devices and applications of banks are spreading rapidly in rural areas with models of "cashless markets 4.0", "cashless streets" and activities to collect hospital fees, tuition fees, and essential public services for individuals, business households and small enterprises.

From the perspective of technology infrastructure, according to experts, the current system of commercial banks and payment intermediary fintechs is a leading group of enterprises in the ability to integrate, connect applications, share data as well as security solutions, and protect information. Compared to other industries, the coordination and inter-sectoral cooperation capacity of the current system of credit institutions is assessed to be quite high and proactive and ready from payment; collection, disbursement to digital education programs for customers in all economic sectors.

In terms of information security and safety, the banking industry has recently spent more than 16% of its IT budget on information security. The warning system has handled about 600,000 suspicious accounts, warned of over 440,000 suspicious transactions, and prevented over VND 1,600 billion at risk of loss... These figures create a foundation for people to increasingly trust digital channels and digital applications connected by credit institutions.

In addition, it is also necessary to recognize that in the field of inclusive digital finance, digital education programs of banks such as Agribank and the Social Policy Bank are playing a very important role. Agribank aims to successfully train 500 digital ambassadors and digital cores in remote and isolated areas by 2026. Meanwhile, the Social Policy Bank system has also widely deployed digital education programs for customers in rural areas and cooperated with Mastercard in developing digital education products and projects at branches to bring digital skills to millions of poor households, women, and micro-enterprises. In addition, it is also necessary to mention the spread of the Mobile Money pilot program directed by the State Bank with nearly 10.9 million telecommunications accounts allowed to connect to pay for small transactions, helping tens of millions of people in rural and mountainous areas access and use digital financial applications conveniently and safely.

Source: https://thoibaonganhang.vn/ngan-hang-dan-dat-binh-dan-hoc-vu-so-173005.html