Gradually changing people’s habits

Recently, the Government has assigned the State Bank of Vietnam to lead and coordinate with the Ministry of Justice and relevant agencies to study and propose the Prime Minister to promulgate a Decision on piloting the use of telecommunications accounts. to pay for small-value services (Mobile – Money), to pilot new payment service models while there is no law to promptly ensure the management, especially for cross-border payment activities.

* Diverse forms of non-cash payment

Mr. Nguyen Xuan Song, Head of Corporate Banking Department of Bank for Investment and Development of Vietnam (BIDV), Bien Hoa branch, currently, most of the bank’s customers have used unused payment types. cash. The Bank has also implemented many activities to collect electricity and water bills … through such forms as Internet Banking, Mobile Banking, automatic debt collection. In addition, the bank also deployed more applications (app) on smartphones (smartphones) to support customers more conveniently when conducting online transactions.

Many companies, supermarkets, trade centers … have expanded many forms of payment such as: supporting payment by cards of most banks, applying consumer payment applications through integrated app in smartphone …

According to Mr. Truong Dinh Quoc, Deputy Sales Director of Dong Nai Power One-member Co., Ltd. (PC Dong Nai), in recent years, the company has expanded its electricity payment channels, signed cooperation contracts. With banks, intermediary payment organizations such as MoMo, ZaloPay, VNPay, Payoo, Airpay, ViettelPay … so that customers can conveniently pay for electricity through the collection points of banks, ATM cards, shops gadgets, supermarkets, or electronic payments …

Besides, Dong Nai PC has also launched a customer care app on smartphones. With this care app, customers can look up information on electricity usage, electricity bills, schedule to stop reducing electricity supply of customers and information of the Government and the electricity industry quickly and promptly.

Ms. Tran Thi Phuong Hien, Director of An Binh Commercial Joint Stock Bank (ABBank) in Dong Nai branch, said that besides coordinating with Dong Nai PC to deploy electricity payment activities in the form of non-money payment. On the other hand, the bank also deployed other online payment channels; At the same time, promoting communication to customers on how to use cards to pay for services, the utility of non-cash payment to gradually familiarize customers with card payment methods, electronics …

* Improved security

In order for the people to pay more and more attention to the form of non-cash payment which requires synchronization when deploying online payment channels; The State needs to invest in building infrastructure for people to use conveniently, as well as more incentives and incentives for individuals using cards and modern means in payment of public services …

According to Directive No. 01 / CT-NHNN of the State Bank of Vietnam in 2020, the task of promoting non-cash payment of the banking industry needs to renovate and complete information technology infrastructure and technology applications. modern to develop digital banking services; enhance security, safety and confidentiality in banking activities.

Mr. Pham Quoc Bao, Deputy Director of the State Bank of Vietnam, Dong Nai branch shared that, in order to achieve the goal of non-cash payment, the unit will direct commercial banks in the province. strengthening coordinated coordination in joining hands to contribute to changing the habits in people’s spending, modernizing technology, strengthening security, continuing to improve the legal corridor; ensure personal and safe information when cardholders lose cards …

Commercial banks in the province are actively offering new products and services, especially in coordination with state agencies and units, to organize non-cash payment methods for many public services, including strongly propagating and applying forms of online payment, card payment for the fields of health, education, pension payment, social insurance …