Observing payment trends and banking transactions during this year's Lunar New Year (Year of the Snake), the long queues have disappeared, and the problem of overload has been resolved by banks through the application of advanced technological solutions in their operations.

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Customers conducting transactions at OneBank's automated transaction point. Photo: Nam A Bank

Mr. Tien Minh (a businessman at Binh Dien wholesale market in Ho Chi Minh City) said that for more than a year, he has rarely visited bank branches. Instead, he has gradually become accustomed to using automated transaction points or digital banking applications. “During the Tet holiday, goods are abundant, and the amount of cash and transfers increases significantly. In previous years, I had to carefully store my money and wait until the next working day to deposit it at the bank. However, in recent years, after closing my accounts during Tet, I usually deposit the money at automated transaction points, which operate continuously outside of business hours,” he added.

Meanwhile, Ms. Kim Chi (online business owner - Binh Duong ) said: “Most banking services nowadays, from paying for goods and utility bills to transferring money and even depositing savings, I can do from home, without having to go to the bank like before. I don't need a lot of cash daily either; instead, I usually use banking apps, which saves me time and improves my work efficiency.”

Customers like Mr. Minh and Ms. Chi have gradually shifted towards cash payments, digitizing transactions that previously required visiting a bank – a step that banks have been aggressively implementing recently. This gives customers more choices and eliminates limitations in their personal financial transactions.

Nam A Bank's OneBank 365+ automated transaction point is a prime example of the success of automated transaction point models that banks are investing in and promoting. With many outstanding features, OneBank has proven its superiority, providing customers with seamless, safe, and secure experiences.

At OneBank, customers can deposit or withdraw money from accounts at all Vietnamese banks using QR codes. Uniquely, here, customers can deposit money into Nam A Bank payment accounts held by different account holders, specifically for corporate clients. Simultaneously, customers can experience various transactions such as opening accounts, issuing ATM cards instantly, making online savings deposits, and applying for quick loans without any time or location restrictions.

At OneBank's automated transaction points, customers can experience shopping for tea and coffee from the Doi Dep brand as Tet gifts, and purchase high-end jewelry from IJC.

To meet the ever-increasing and diverse needs of customers, especially during holidays and Tet (Lunar New Year), OneBank has expanded its network to nearly 120 locations in key provinces and cities nationwide. OneBank has made a significant contribution to improving the quality and experience of customers, changing habits, and breaking down time constraints in banking and financial transactions.

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Customers experience the Open Banking digital banking service. Photo: Nam A Bank

Furthermore, with Nam A Bank's Open Banking digital banking application, customers can not only perform online banking transactions quickly, safely, and securely, such as: 24/7 fast money transfers using QR codes according to NAPAS standards, bill payments, opening accounts with attractive numbers, and easily opening online accounts with eKYC electronic identification, but also receive timely updates on financial information and stock market indices directly on the application, helping customers stay informed about market conditions anytime, anywhere.

Notably, Open Banking has pioneered cross-border payments via QR code in Thailand, and most recently in Laos and Cambodia. This feature meets the need for quick, secure, and convenient payments for Vietnamese tourists and businesses in these countries, contributing to the enhancement of bilateral payment experiences.

A representative from Nam A Bank stated: “As a pioneering bank in digital innovation, Nam A Bank is highly regarded for implementing a series of new technologies into its management and business operations. During the Lunar New Year 2025, Nam A Bank's digital ecosystem will significantly contribute to reducing the burden on traditional bank branches and enhancing the experience of modern banking services.”

Huynh Nhu