VPBank aims to help small traders manage money more easily

VPBank is rolling out a comprehensive digital financial ecosystem aimed at empowering individual business owners and small traders, simplifying their financial operations and enhancing their access to capital.

"The goal is to meet the diverse needs of each customer group, from mass market, premium customers to businesses and individual households," said Nguyễn Chí Hiền, Deputy Director of VPBank's Retail Customer Division. He highlighted that the bank's offering goes beyond single payment tools like QR codes or POS machines. Instead, it provides an integrated financial solution suite that covers payment collection, cash flow management, expense tracking, and optimization of capital for business needs.

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The goal is to meet the diverse needs of each customer group, from mass market, premium customers to businesses and individual households.

"Business households can use their VPBank payment account as a 'cash flow center,' clearly and transparently recording daily income and expenses. When combined with QR Code and POS, sales revenue is directly transferred to the account, helping owners easily track revenue, manage income and expenses, and operate their businesses more effectively," Hiền explained. The system also allows idle funds in the account to generate daily interest through the Super Sinh Lời solution, while maintaining flexibility for withdrawals.

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Business households can use their VPBank payment account as a 'cash flow center,' clearly and transparently recording daily income and expenses. When combined with QR Code and POS, sales revenue is directly transferred to the account, helping owners easily track revenue, manage income and expenses, and operate their businesses more effectively.

VPBank is also addressing the capital needs of these businesses through various financial solutions, including loans, online overdrafts, credit cards, and debit cards. Hiền emphasized that the transparency of cash flow within the bank's ecosystem serves as the basis for approving unsecured loans, overdrafts, or mortgage loans entirely online. This digital approach enables small traders to quickly access funds for inventory or business opportunities without cumbersome procedures.

Furthermore, the bank has introduced the Shop Thịnh Vượng solution to assist business owners in managing sales revenue, cash flow, and bookkeeping more conveniently. "With Shop Thịnh Vượng, all data from sales, accounting, and finance are synchronized on one system, helping business households not only sell but also manage their businesses more effectively and sustainably," Hiền added. VPBank plans to launch its 'Ngày An Tâm' program in the near future.

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With Shop Thịnh Vượng, all data from sales, accounting, and finance are synchronized on one system, helping business households not only sell but also manage their businesses more effectively and sustainably.