Building a modern digital platform, accompanying businesses in developing the digital economy

In the context of the 4.0 industrial revolution and the strong development of the digital economy, digital transformation (DX) and non-cash payment are inevitable trends and core driving forces to promote e-commerce and enhance the competitiveness of local enterprises. As a pioneer in serving the "three rural" areas, Agribank Vinh Long Branch has been carrying out an important mission: bringing modern and convenient banking services to people and businesses, especially in rural, remote and isolated areas. At the same time, it is committed to accompanying the locality to realize the goal of developing the digital economy.

Accompanying businesses in digital transformation

Leaders of the Department of Industry and Trade of Vinh Long province visited the exhibition space of Agribank Vinh Long Branch at the workshop "Developing E-commerce - Promoting investment, supporting local enterprises in 2025" of the province.

With the motto "customer-centric", in recent times, Agribank Vinh Long Branch has not only built modern digital platforms to serve customers, provided capital for businesses to invest and develop the digital economy , but also always strived to bring practical values ​​to the community.

Mr. Le Van Bay, Deputy Director of Agribank Vinh Long Branch, said: In Vinh Long province, Agribank has 3 type I branches in operation, including: Agribank Vinh Long Branch, Agribank Ben Tre Branch and Agribank Tra Vinh Branch. This is the bank with the largest network in the province, with 29 type II branches and 53 transaction offices covering all wards and communes. Agribank's strategic orientation is to both promote the strength of the physical network and build a modern digital platform for all customers. We are committed to accompanying the provincial government to realize the province's digital economic goals.

Mr. Le Van Bay, Deputy Director of Agribank Vinh Long Branch, spoke at the workshop "Developing E-commerce - Promoting investment, supporting local enterprises in 2025" of Vinh Long province.

With the active support of Agribank, local businesses are making strong strides, both investing in expanding their operations and actively participating in digital transformation and developing the digital economy. Ms. Le Truc My, Director of My Ty Mai LLC, Vinh Long province, said: "Our company is focusing on developing on e-commerce platforms. We have been selling products on platforms such as Shopee, Facebook, TikTok. The company also takes advantage of programs organized by provincial departments, branches and sectors to bring products to the e-commerce platform of the Department of Industry and Trade and Fanpage channels. The development of e-commerce channels has brought very positive results. The company's products reach consumers faster and have the ability to expand the market across the country, even internationally. Compared to traditional marketing methods, e-commerce channels help us reach customers much more effectively. In particular, the support from Agribank is really a positive factor helping businesses confidently develop e-commerce. Especially when entering the peak production season such as Tet, the demand for capital increases, Agribank not only supports capital but also offers preferential interest rates. Thanks to this source of capital, we can boldly develop products products, stock up on goods to proactively source goods for sale through e-commerce channels".

Hong Tan Rice - Rice Company Limited, Vinh Long is a company specializing in the production and distribution of organic rice products, nutritious brown rice, and rice-based products. According to Ms. Tran Thanh Thuy, Deputy Director of Hong Tan Rice - Rice Company Limited, the company has been established for more than 2 years and its products are mainly consumed in the domestic market, through the distribution channel of macrobiotic products in Ho Chi Minh City. The company has 2 products that have been certified as OCOP in 2024: Huong Lai fragrant rice and Huong Sen fragrant rice, with growing areas located in Vinh Long. The company is completing documents to evaluate 2 other OCOP products in 2025.

Ms. Tran Thanh Thuy added: Although the company started in a short time, it chose Agribank as a companion bank in the business process thanks to its preferential interest rate policy. This is always the most important factor when a business associates with any credit institution. Agribank is a bank that always accompanies "agriculture" and is always closely connected with farmer customers. This is very convenient for the process of purchasing rice for processing, because almost all farmers have an account at Agribank and receive payment via bank transfer when supplying raw rice to the company. Thereby, it both strongly promotes the digitalization process in payment activities and meets the regulations of the Tax sector.

Mr. Le Van Bay, Deputy Director of Agribank Vinh Long Branch (right cover) visited the product display booth of Hong Tan Rice Company Limited.

Perfecting the digital ecosystem to serve customers

To achieve the goal of developing retail banking services on the information technology platform, Agribank has synchronously deployed many practical digital solutions, focusing on technologies suitable for people and rural traders. The bank has developed the Agribank Plus application integrating electronic identification technology (eKYC), allowing customers to open accounts and perform more than 160,000 regular transactions such as money transfers, bill payments, and online savings deposits without having to go to the counter. Agribank promotes non-cash payments through the application of advanced technologies such as biometric authentication and QR code payments (VietQR).

In Vinh Long, the VietQR solution has been successfully replicated in large traditional markets such as Vinh Long, Tra On, Long Ho, helping thousands of small traders access fast and safe payment methods. At the Tra Vinh branch, Agribank has coordinated to deploy a cashless hospital fee payment system, shortening waiting time for patients and increasing transparency. In addition, with the Agribank Loc Viet Card dedicated to rural areas, integrating debit and credit functions on the same chip, allowing for flexible overdraft limits (up to 100 million VND), contributing significantly to the fight against black credit.

To empower customers to self-serve, the Agribank Digital Banking model has been deployed to allow account opening, card issuance and online loan registration on-site, with the goal of being installed in rural, remote and isolated areas. Agribank builds an Electronic Payment and Open Banking Ecosystem through linking with major partners (VNPay, Momo, Payoo) and developing the OpenAPI platform, helping businesses easily integrate the bank's payment function into their e-commerce system and supply chain.

Agribank Vinh Long Branch introduced solutions to accompany digital transformation enterprises at the workshop "Developing e-commerce - Promoting investment, supporting local enterprises in 2025" of Vinh Long province.

According to Mr. Le Van Bay, Deputy Director of Agribank Vinh Long Branch, to promote digital transformation and develop e-commerce in Vinh Long sustainably, we recommend that the locality continue to prioritize the development of telecommunications infrastructure, broadband Internet and support the provision of facilities at public places. At the same time, the Department of Industry and Trade acts as a bridge, supporting e-commerce platforms and Vinh Long specialty supply chains to integrate with the bank's payment system, taking advantage of solutions such as Agribank's Open API. Continue to pilot the "Cashless Commune" model in potential areas to create a spillover effect and encourage other localities to learn. "Digital transformation is a long-term process, requiring the cooperation of the entire political system, businesses and people. Agribank Vinh Long commits to continue to make continuous efforts, accompany the provincial government, promote comprehensive digital transformation, contribute to the development of the digital economy and improve the quality of people's lives, towards a cashless society, green and sustainable economy" - Mr. Le Van Bay shared.

MINH HUYEN

Source: https://baocantho.com.vn/xay-dung-nen-tang-so-hien-dai-dong-hanh-cung-doanh-nghiep-phat-trien-kinh-te-so-a192099.html