Accelerating digital transformation for the marine economy: Techcombank accompanies businesses and business households in Vung Tau, Tam Thang, Rach Dua (HCMC)

Vietnam Technological and Commercial Joint Stock Bank (Techcombank) in collaboration with the Ho Chi Minh City Department of Finance, the State Bank of Vietnam, Region 2 Branch, Ho Chi Minh City Tax Department, Vietnam Federation of Commerce and Industry (VCCI) Ba Ria - Vung Tau Branch, Vung Tau Ward People's Committee, Tam Thang Ward People's Committee and Rach Dua Ward People's Committee organized the "Conference to promote digital transformation and financial access for businesses and business households".

The event serves as a multi-faceted networking forum between regulatory agencies, banks, and the business community and household businesses to promote technology application, expand access to capital, and develop the local private sector.

The event serves as a multi-faceted networking forum between regulatory agencies, banks, and the business community and household businesses to promote technology application, expand access to capital, and develop the local private sector. Simultaneously, it demonstrates Techcombank 's long-term commitment to accompanying "Ho Chi Minh City, the future international megacity," on its digital transformation journey, enhancing competitiveness, and creating a comprehensive financial ecosystem, aiming to realize the Government and Ho Chi Minh City People's Committee's goals for marine economic development and digital transformation in the 2025-2030 period. Prior to this, Techcombank implemented this series of workshops in Di An and Dong Hoa wards, receiving positive feedback from the business community and household businesses.

The conference was attended by Mr. Nguyen Thanh Toan, Deputy Director of the Ho Chi Minh City Department of Finance; Mr. Truong Tan Vu, Deputy Director of the Ho Chi Minh City Department of Finance; Ms. Lam Thi Hong Ngoc, Deputy Director of the State Bank of Vietnam, Branch 2; and Ms. Mai Thi Nghia Le, Head of the Personal, Household and Other Taxes Department, Ho Chi Minh City Tax Department. Representing Techcombank were Mr. Ngo Anh Tuan, Senior Director of Payment Solutions and CASA Development, along with other key bank leaders. The event brought together over 200 delegates, including representatives from businesses and households in Vung Tau Ward, Tam Thang Ward, and Rach Dua Ward, as well as media representatives.

Following the merger, Ba Ria – Vung Tau is positioned as a national and international marine tourism center, a regional logistics and seaport hub, playing a crucial role in Ho Chi Minh City's "3 regions – 1 special zone – 3 corridors – 5 pillars" development model. This opens up significant opportunities for businesses and households in the tourism, trade, service, and logistics sectors in the three key wards of Vung Tau, Rach Dua, and Tam Thang. If they effectively leverage their existing strengths and capitalize on the favorable conditions from Resolution 68-NQ/TW and Decree 70/2025/ND-CP, small businesses and households in this area are poised for significant breakthroughs.

Accordingly, the conference was jointly organized to support SMEs and business households in attracting up to 15 million tourists per year, key inter-regional infrastructure projects such as the Bien Hoa - Vung Tau expressway, Long Thanh airport, and Ho Chi Minh City's Ring Road 4, along with preferential financial packages from the State and banks specifically for this important economic sector.

This is a strategic step by the city's leadership in implementing the Resolution, helping businesses and household businesses access policies effectively. At the conference, representatives from the Ho Chi Minh City Department of Finance and Taxation shared the preferential mechanisms of Resolution 68-NQ/TW, clarifying the roadmap to support household businesses in transitioning from lump-sum tax to declaration-based tax by 2026 – including exemption from business license fees and legal support in the transition. The Center for Supporting Businesses, Household Businesses, and Cooperatives also presented policies on free training, consulting, and legal services for household businesses transitioning into enterprises, contributing to the expansion of the private economic sector.

Techcombank, with its advanced technology platform and comprehensive financial solutions, is a pioneer in supporting all customer segments – from household businesses and SMEs to large enterprises – on their journey towards sustainable development. At the conference, the bank introduced customized financial and digital solutions for each customer group, helping to optimize costs, save time, and expand business opportunities.

On the sidelines of the conference, guests had the opportunity to experience Techcombank's digital banking products firsthand, from financial management and payment platforms to online lending solutions, integrated accounting and electronic invoicing, optimized for each type of business activity of enterprises and household businesses. For household businesses, Techcombank introduced a comprehensive digital solution in a single account, helping to: Easily manage revenue and cash flow; Access capital quickly with flexible interest rates; Optimize idle funds and enjoy multi-tiered benefits. In particular, the newly launched "Installment Loan for Household Businesses" product allows loans up to 36 months, with quick approval and competitive interest rates, supporting household businesses in expanding their scale in a short time.

For household businesses transitioning to enterprises, Techcombank continues to support them through the Techcombank Business platform, helping to increase transparency in governance, improve access to capital, and enhance operational efficiency. The bank also collaborates with partners to provide free sales software, electronic invoices, and electronic contracts, assisting household businesses in familiarizing themselves with the modern enterprise model.

With the coordination of all parties, the Conference became an information bridge and a platform for forming a comprehensive digital transformation support ecosystem, contributing to the effective implementation of the private sector development goals set forth in Resolution 68.

Ms. Phan Thi My Ha, owner of an entertainment service business in Vung Tau ward, shared: “The conference provided a lot of practical and useful information. I was particularly impressed with how Techcombank provided detailed step-by-step instructions on account creation and management through the application. Thanks to these simple, comprehensive solutions, small business owners like me can manage cash flow more professionally, comply with legal regulations, and have peace of mind knowing we have a safe and flexible source of loans to expand our business in the future.”

Speaking at the event, Mr. Bui Ngoc Nam – Regional Director of Techcombank – affirmed: “Techcombank sincerely thanks the leaders of the Department of Finance, the State Bank of Vietnam Region 2, the Ho Chi Minh City Tax Department, and the authorities of Vung Tau Ward, Tam Thang Ward, and Rach Dua Ward for their trust and support in assisting businesses and enterprises in the area. With superior digital financial solutions, we are committed to supporting the business community and small and medium-sized enterprises to optimize operations, enhance competitiveness, contribute to the city's GRDP goals, and fully utilize the strengths of Ba Ria - Vung Tau as the main driving force for the future development of the international megacity of Ho Chi Minh City.”

Besides face-to-face meetings, Techcombank also organizes many practical support activities for household businesses, such as webinars "Changing to Adapt – Partnering with Household Businesses in the New Context" with the participation of tax and accounting experts; or the "Start-up with Zero Capital – Ready to Break Through with Techcombank" program, which runs until the end of December 2025, helping household businesses transform, entrepreneurs start up, and businesses expand easily without worrying about initial costs.

INFORMATION ABOUT TECHCOMBANK

Techcombank, a joint-stock commercial bank in Vietnam, is currently one of the largest joint-stock banks in Vietnam and a leading bank in Asia, with a vision to transform the financial industry and elevate the quality of life. Techcombank pursues a customer-centric strategy by providing retail and corporate banking solutions and services to empower its customers financially. Techcombank currently serves 16.5 million individual and corporate customers through its digital banking platform and mobile banking application, as well as its nationwide network of branches and transaction offices. Techcombank's ecosystem approach, implemented across key economic sectors with partners, continues to differentiate it in one of the world's fastest-growing economies. Techcombank has been rated AA- and Ba3 by FiinRatings and Moody's, respectively. Techcombank also received a BB rating from S&P, the highest rating among joint-stock commercial banks in Vietnam.

Source: https://techcombank.com/thong-tin/thong-bao/techcombank-dong-hanh-cung-doanh-nghiep-va-ho-kinh-doanh-tang-toc-chuyen-doi-so-cho-kinh-te-bien