Quang Hop People's Credit Fund accelerates digital transformation with AI.

In addition to promoting digital transformation in its operations, Quang Hop People's Credit Fund (QTDND) is also pioneering the application of artificial intelligence (AI) in management, communication, and customer service, creating new momentum for sustainable development in the digital age.

The application of artificial intelligence (AI) and digital technology is helping Quang Hop People's Credit Fund improve management efficiency, enhance service quality, and better serve its members.

Digital transformation is creating a shift in business operations.

Amidst the ongoing digital transformation across the banking industry, Quang Hop People's Credit Fund has proactively embraced this trend, gradually applying modern technology to its management, operations, and service provision. With the support of the Vietnam Cooperative Bank (Co-opBank), the digitalization process at the unit is yielding many positive results, contributing to improved service quality for members and promoting local economic development.

The Quang Hop People's Credit Fund currently operates in Quang Ngoc and Quang Yen communes, Thanh Hoa province, an area with favorable conditions for trade, agricultural production, services, and small-scale handicrafts. With the attention of the State Bank of Vietnam, Region 7 Branch, capital allocation support from Co-opBank Thanh Hoa Branch, and the cooperation of the local government, the Fund has continuously developed in both scale and quality of operations.

As of April 30, 2026, Quang Hop People's Credit Fund had 1,836 members and a charter capital of nearly 9 billion VND. Thanks to the implementation of many flexible savings products, improved service quality, and the development of a friendly communication culture, the Fund has mobilized over 146.3 billion VND in savings deposits from the public. Outstanding loans reached over 135.4 billion VND, and notably, there were no bad debts.

The Fund's capital has become a crucial leverage point, helping many households and businesses invest in machinery, expand workshops, develop transportation services, and promote small-scale handicraft industries. This has contributed to job creation, increased income, and the development of the local economy.

In recent years, Quang Hop People's Credit Fund has identified digital transformation as one of its key tasks to enhance competitiveness and service quality.

Simultaneously, the Fund has invested in a comprehensive system of servers, surveillance cameras, security alarm devices, and upgraded management software. The application of technology helps to process business processes more quickly, accurately, and scientifically, significantly reducing manual operations.

In particular, the CF-eBank electronic banking service is proving to be highly effective. Over the past year, the system has processed nearly 4,000 in-transfer transactions with a total turnover of nearly 70 billion VND. All transactions were processed safely and accurately, contributing to increased customer satisfaction and trust in the Fund.

Furthermore, Quang Hop People's Credit Fund proactively utilizes social media platforms like Zalo to provide information on interest rates, promotional programs, and interact with customers. This helps to make customer service faster, more convenient, and more effective.

AI helps improve management efficiency and customer service.

A highlight in Quang Hop People's Credit Fund's digital transformation roadmap is the gradual integration of artificial intelligence (AI) into practical operations.

According to Mr. Pham Cao Cuong, Chairman of the Board of Directors of Quang Hop People's Credit Fund, AI has been effectively applied in the preparation for the General Meeting of Members for the 2026-2031 term. AI tools have supported the construction, editing, and completion of reports, speeches, program introductions, documentary film scripts, and many other documents.

“AI helps officials review the layout, edit wording, and arrange content logically, coherently, and appropriately for the solemn nature of the Congress. At the same time, the Foundation also uses AI technology to convert text into speech, support video editing, design illustrations, stage backdrops, and presentation slides,” Mr. Cuong said.

Another notable new feature is the application of digital technology to voting and elections through QR code scanning. This solution significantly reduces vote counting time, minimizes errors, and enhances transparency, openness, and professionalism in the organization of the Congress.

Beyond administrative functions, AI is also being applied in communication and product/service promotion. Through AI platforms, the Fund can create engaging content, images, and videos for communication, reaching customers more quickly while optimizing advertising costs.

In addition, the Fund has implemented an online loan application solution using QR codes. By simply scanning the code with a smartphone, customers can send their information and loan needs directly to the Fund. This solution helps shorten the initial application processing time, making it easier for people to access capital.

Partnering with members to develop the economy.

In reality, credit capital from the Quang Hop People's Credit Fund has become a "support system" for many households engaged in production and business in the area.

Mr. Nguyen Huu Phong, owner of a mechanical workshop in Quang Yen commune, said that his first loan of 200 million VND from the Fund helped him start his business and develop his production workshop. To date, his total outstanding loan balance at the Fund has exceeded 1 billion VND, which has been used to invest in production lines, expand his business scale, and create jobs for many local workers.

Meanwhile, Mr. Le Van Nien, residing in Hamlet 3, Quang Yen Commune - a long-time customer of the Fund - has been granted a credit limit of 500 million VND to develop livestock farming and diversified business. According to Mr. Nien, the stable capital source, along with simple procedures and quick disbursement, has helped his family expand their business, increase income, and develop a sustainable economy.

According to Ms. Nguyen Thi Huong, Director of Quang Hop People's Credit Fund, over the past two years, the Fund has sent many staff members to participate in training courses on digital transformation, technology application, and artificial intelligence. At the same time, the unit continues to invest in technological infrastructure to ensure data security, improve labor productivity, and enhance service quality.

“The application of AI and digital transformation in business operations is in line with current development trends. In the future, the Fund will continue to expand digital services, gradually perfect its modern governance model, improve service quality, and better serve its members,” Ms. Huong emphasized.

With a solid operational foundation, proactive innovation, and a commitment to digital transformation, Quang Hop People's Credit Fund is gradually asserting its role as an effective capital supply channel at the grassroots level. The application of AI and digital technology not only enhances the Fund's operational efficiency but also contributes to promoting local socio-economic development, aiming to build a modern, safe, and sustainable People's Credit Fund model in the digital age.

Source: https://thoibaonganhang.vn/qtdnd-quang-hop-tang-toc-chuyen-doi-so-bang-ai-182858.html